Dominic Ng - Chairman, Chief Executive Officer, Member of Executive Committee, Chairman of East West Bank and Chief Executive Officer of East West Bank Julia S. Gouw - Vice Chairman, President, Chief Operating Officer, Member of Executive Committee, Vice Chairman of East West Bank, President of East West Bank and Chief Operating Officer of East West Bank Irene H. Oh - Chief Financial Officer, Principal Accounting Officer, Executive Vice President, Chief Financial Officer of the Bank and Executive Vice President of the Bank Analysts David Rochester - Deutsche Bank AG, Research Division Joe Morford - RBC Capital Markets, LLC, Research Division Aaron James Deer - Sandler O'Neill + Partners, L.P., Research Division Lana Chan - BMO Capital Markets U.S. Jennifer H. Demba - SunTrust Robinson Humphrey, Inc., Research Division Julianna Balicka - Keefe, Bruyette, & Woods, Inc., Research Division Herman Chan - Wells Fargo Securities, LLC, Research Division Gary P. Tenner - D.A. Davidson & Co., Research Division Brett D. Rabatin - Sterne Agee & Leach Inc., Research Division Michael Turner - Compass Point Research & Trading, LLC, Research Division PresentationOperator Good morning, and welcome to the East West Bancorp Second Quarter 2012 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Kelly Adams, Senior Vice President. Please go ahead. Kelly Adams Thank you. Good morning, and thank you for joining us to review the financial results of East West Bancorp for the second quarter of 2012. Here to review the results are Dominic Ng, Chairman and Chief Executive Officer; Julia Gouw, President and Chief Operating Officer; and Irene Oh, Executive Vice President and Chief Financial Officer. We will then open the call to questions.