CapitalSource (CSE) Q2 2012 Earnings Call July 30, 2012 5:30 pm ET Executives Dennis Oakes - Senior Vice President of Investor Relations James J. Pieczynski - Chief Executive Officer, Director, Member of Asset, Liability & Credit Policy Committee and President of Capitalsource Bank Douglas H. Lowrey - Chief Executive Officer of CapitalSource Bank, President of CapitalSource Bank and Director of CapitalSource Bank John A. Bogler - Chief Financial Officer, Executive Vice President - Capitalsource Bank and Chief Financial Officer - Capitalsource Bank Analysts Mark C. DeVries - Barclays Capital, Research Division Aaron James Deer - Sandler O'Neill + Partners, L.P., Research Division Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division Jennifer H. Demba - SunTrust Robinson Humphrey, Inc., Research Division Moshe Orenbuch - Crédit Suisse AG, Research Division Sameer Gokhale - Janney Montgomery Scott LLC, Research Division Henry J. Coffey - Sterne Agee & Leach Inc., Research Division Scott Valentin - FBR Capital Markets & Co., Research Division Daniel Furtado - Jefferies & Company, Inc., Research Division PresentationOperator
Good afternoon, and welcome to the CapitalSource 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 Dennis Oakes. Please go ahead. Dennis Oakes Thank you, Amy. Good afternoon, everyone, and thank you for joining the CapitalSource Second Quarter 2012 Earnings Call. With me today are CapitalSource CEO, Jim Pieczynski; CapitalSource Bank Chairman and CEO, Tad Lowrey; and John Bogler, our Chief Financial Officer. This call is being webcast live on the company website and a recording will be available later this evening. Our earnings press release and website provide details on accessing the archived call. We have also posted a presentation on our website. It provides additional detail on certain topics, which will be covered during our prepared remarks, though we will not be making specific references to the presentation. Investors are urged to carefully read the forward-looking statements' language in our earnings release and investor presentation; but essentially, they say the following: Statements made on this call, which are not historical facts, may be deemed forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All forward-looking statements, including statements regarding future financial operating results, involve risks, uncertainties and contingencies, many of which are beyond the control of CapitalSource and which may cause actual results to differ materially from anticipated results. CapitalSource is under no obligation to update or alter our forward-looking statements whether as a result of new information, future events or otherwise, and we expressly disclaim any obligation to do so. And finally, more detailed information about risk factors can be found in our reports filed with the SEC.