Slides 2 and 3 note several aspects of the basis of today's presentation. I encourage you to read these. Let me point out one key disclosure. This presentation will reference to GAAP -- non-GAAP financial measures. In that regard, I direct you to the comparable GAAP financial measures and the reconciliation to the comparable GAAP financial measures within the presentation. Additional earnings-related material that we released this morning and the related 8-K filed today, all of which can be found on our website.Turning to Slide 4. Today's discussion, including Q&A period, may contain forward-looking statements. Such statements are based on information and assumptions available at this time and are subject to change, risk and uncertainties, which may cause results to differ materially. We assume no obligation to update such statements. For a complete discussion of risks and uncertainties, please refer to the slide and material filed with the SEC, including our most recent 10-K, 10-Q and 8-K filings. Slide 5. Now turning to today's presentation. Participants will be Steve Steinour, CEO; Don Kimble, our CFO; Dan Neumeyer, our Chief Credit Officer; and joining us for the Q&A will be Nick Stanutz, Senior Vice President, Head of Auto and Corporate Real Estate. Let's get started turning to Slide 6, and Don? Donald R. Kimble Thanks, Todd, and welcome, everyone. We'll begin with a review of our second quarter performance highlights; and then Dan will provide an update on credit; and then Steve will continue with an update on our OCR strategy; and then close with the discussion of our expectations for the remainder of this year. Turning to Slide 7, we reported net income of $152.7 million dollars or $0.17 per share. That's equal to last quarter, but up 5% and 6%, respectively, from the year-ago quarter. Total revenue decreased $17.9 million, or 3% from the first quarter, all due to a decline in noninterest income, as the first quarter included 2 large gains. Noninterest income declined by $31.5 million at the first quarter, included a $23 million gain from our auto loan securitization, and an $11.4 million bargain purchase gain associated with the Fidelity Bank acquisition.