F.N.B. Corporation (FNB) Q2 2012 Earnings Conference Call July 24, 2012 10:00 AM ET Executives Cindy Christopher – Manager of Investor Relations Vincent J. Delie, Jr. – President & Chief Executive Officer Gary L. Guerrieri – Chief Credit Officer Vincent J. Calabrese – Chief Financial Officer Analysts Damon DelMonte – KBW Frank Schiraldi – Sandler O'Neill Mac Hodgson – SunTrust Robinson Humphrey David Darst – Guggenheim Securities Mike Shafir – Sterne Agee Tom Frick – FBR Capital Markets John Mooren – Macguire Capital PresentationOperator
Good day and welcome to the F.N.B. Corporation’s Second Quarter 2012 Earnings Conference Call. At this time, all participants are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. Instructions will be provided at that time. As a reminder, today's conference is being recorded. And now, I would like to turn the conference over to Cindy Christopher, Manager of Investor Relations for F.N.B. Corporation. You may begin. Cindy Christopher Thank you and good morning everyone. Welcome to our second quarter of 2012 earnings call. This conference call of F.N.B. Corporation and the reports that are filed with the Securities and Exchange Commission often contain forward-looking statements. All forward-looking statements involve risks, uncertainties and contingencies that could cause F.N.B. Corporation's actual results to differ materially from historical or projected performance. Please refer to the forward-looking statement disclosure contained in our second quarter of 2012 earnings release, related presentation materials and in our reports and registrations statements F.N.B. Corporation files with the Securities and Exchange Commission and available on our corporate Website. F.N.B. Corporation undertakes no obligation to revise these forward-looking statements to reflect events or circumstances after the date of this call.