Zions Bancorp. (ZION) Q2 2012 Earnings Call July 23, 2012 5:30 pm ET Executives James R. Abbott - Senior Vice President of Investor Relations & External Communications Harris H. Simmons - Chairman, Chief Executive Officer, President, Member of Executive Committee and Chairman of Zions First National Bank Doyle L. Arnold - Vice Chairman, Chief Financial Officer and Executive Vice President Analysts Jennifer H. Demba - SunTrust Robinson Humphrey, Inc., Research Division Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division John G. Pancari - Evercore Partners Inc., Research Division Paul J. Miller - FBR Capital Markets & Co., Research Division Ryan M. Nash - Goldman Sachs Group Inc., Research Division Kenneth M. Usdin - Jefferies & Company, Inc., Research Division Ken A. Zerbe - Morgan Stanley, Research Division Brian Klock - Keefe, Bruyette, & Woods, Inc., Research Division Arjun Sharma David Rochester - Deutsche Bank AG, Research Division Joe Morford - RBC Capital Markets, LLC, Research Division Stephen Scinicariello - UBS Investment Bank, Research Division Todd L. Hagerman - Sterne Agee & Leach Inc., Research Division Marty Mosby - Guggenheim Securities, LLC, Research Division PresentationOperator
Good day, ladies and gentlemen, and thank you for standing by, and welcome to the Zions Bancorporation's Second Quarter Earnings Call. This call is being recorded. And now I'll turn the time over to James Abbott. Sir, the floor is yours. James R. Abbott Thank you, Hewey. Good evening. We welcome you to this conference call to discuss our second quarter 2012 earnings. Our primary participants today will be Harris Simmons, Chairman and Chief Executive Officer; and Doyle Arnold, Vice Chairman and Chief Financial Officer.