Q4 2020 UMB Financial Corp Earnings Call Transcript

Jan 27, 2021 / 02:30PM GMT
Operator

Good day, and welcome to the UMB Financial Fourth Quarter and Full Year-End 2020 Financial Results Conference Call. (Operator Instructions) Please note, this event is being recorded.

I would now like to turn the conference over to Kay Gregory. Please go ahead.

Kay Gregory - UMB Financial Corporation - Director of IR & Senior VP

Good morning, and welcome to our fourth quarter and year-end 2020 call. Mariner Kemper, President and CEO; and Ram Shankar, CFO, will share a few comments about our results; Jim Rine, CEO of UMB Bank; and Tom Terry, Chief Credit Officer, will also be available for the question-and-answer session.

Before we begin, let me remind you that today's presentation contains forward-looking statements, all of which are subject to assumptions, risks and uncertainties, including the currently unknown potential impacts of the COVID-19 crisis. These risks are included in our SEC filings and are summarized on Page 2 of our presentation. Actual results and other future circumstances or aspirations may differ from those set forth in

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