Citizens Republic Bancorp's CEO Discusses Q1 2012 Results - Earnings Call Transcript

Citizens Republic Bancorp, Inc. (CRBC)

Q1 2012 Earnings Call

April 27, 2012 10:00 AM ET

Executives

Kristine Brenner – Director, IR

Cathleen Nash – President and CEO

Lisa McNeely – EVP and CFO

Mark Widawski – EVP and Chief Credit Officer

Brian Boike – SVP and Treasurer

Analysts

Terry McEvoy – Oppenheimer & Company

John Barber – KBW

Matthew Schultheis – Boenning & Scattergood

Presentation

Operator

Good day everyone, and welcome to today’s program. At this time, all participants are in a listen-only mode. Later you’ll have the opportunity to ask questions during the question-and-answer session. (Operator Instructions) I will be standing by should you need any assistance today.

It is now my pleasure to turn the conference over to Mrs. Kristine Brenner. Ma’am, go ahead.

Kristine Brenner

Thank you. Good morning, and welcome to the Citizens Republic Bancorp’s First Quarter Conference Call. This call is being recorded and will be archived for 90 days on the Investor Relations page on our website www.citizensbanking.com.

The format of our call today will be Cathy Nash, President and Chief Executive Officer providing highlights for the quarter; Lisa McNeely, Chief Financial Officer; and Mark Widawski, Chief Credit Officer will provide details of the quarter. Cathy Nash will share some concluding remarks then we will open the line up for questions from research analysts and Brian Boike, our Treasurer is also here to answer questions.

During this conference call, statements may be made that are not historical facts such as those regarding Citizens’ future financial and operating results, plans, objectives, expectations and intentions. Such forward-looking statements are subject to risks and uncertainties, which include but are not limited to those discussed in Citizens’ annual and quarterly reports filed with the SEC.

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