Cullen/Frost Bankers ' CEO Discusses Q1 2012 Results - Earnings Call Transcript

Cullen/Frost Bankers, Inc. (CFR)

Q1 2012 Earnings Call

April 25, 2012 11:00 am ET


Greg Parker - EVP & Director, IR

Dick Evans - Chairman & CEO

Phil Green - EVP & CFO


Brady Gailey - KBW

Dave Rochester - Deutsche Bank

Brett Rabatin - Sterne Agee

James Ellman - Ascend

Preeti Dixit - JPMorgan

Emlen Harmon - Jefferies

Matt Olney - Stephens

Terry McEvoy - Oppenheimer

Jennifer Demba - SunTrust Robinson



Good morning. My name is Christy and I will be your conference operator today. At this time, I would like to welcome everyone to the Cullen/Frost Bankers first quarter earnings conference call. (Operator Instructions) After the Speaker' remarks there will be a question-and-answer session. (Operator Instructions). Thank you. I would now turn the conference over to Greg Parker, Executive Vice President and Director of Investor Relations. Please go ahead.

Greg Parker

Thank you. This morning’s conference call will be led by Dick Evans, Chairman and CEO, and Phil Green, Group Executive Vice President and CFO. Before I turn the call over to Dick and Phil, I need to take a moment to address the Safe Harbor provisions.

Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend such statements to be covered by the Safe Harbor provisions for forward-looking statements covered in the Private Securities Litigation Reform Act of 1995 as amended.

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