Bryan Jordan - Chairman, Chief Executive Officer, President, Member of Credit Policy & Executive Committee, Member of Executive & Risk Committee, Chief Executive Officer of First Tennessee Bank, President of First Tennessee Bank and Director of First Tennessee Bank William C. Losch - Chief Financial Officer, Executive Vice President, Chief Financial Officer of Bank and Executive Vice President of Bank Analysts Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division Brady Gailey - Keefe, Bruyette, & Woods, Inc., Research Division John G. Pancari - Evercore Partners Inc., Research Division Emlen B. Harmon - Jefferies & Company, Inc., Research Division Kevin Barker - FBR Capital Markets & Co., Research Division Christopher Gamaitoni - Compass Point Research & Trading, LLC, Research Division Kevin Fitzsimmons - Sandler O'Neill + Partners, L.P., Research Division Matthew H. Burnell - Wells Fargo Securities, LLC, Research Division Russell Gunther - BofA Merrill Lynch, Research Division Christopher W. Marinac - FIG Partners, LLC, Research Division David J. Bishop - Stifel, Nicolaus & Co., Inc., Research Division PresentationOperator Good day, ladies and gentlemen, and welcome to the First Horizon National Corporation First Quarter 2012 Earnings Call. [Operator Instructions] As a reminder, this conference call is being recorded. I will turn the conference over to your host, Aarti Bowman of Investor Relations. Please begin. Aarti Bowman Thank you, operator. Please note that the press release and financial supplement, which announced our earnings as well as the slide presentation we'll use in this call this morning, are posted in the Investor Relations section of our website at www.fhnc.com.