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Q4 2019 UMB Financial Corp Earnings Call Transcript
Good morning and welcome to the UMB Financial Corporation Fourth Quarter 2019 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, Director of Investor Relations. Please go ahead.
Good morning, and welcome to our fourth quarter and year-end call. Mariner Kemper, President and CEO; and Ram Shankar, CFO, will share a few comments about our results. Jim Rine, CEO of UMB Bank, 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. Actual results and other future circumstances or aspirations may differ from those set forth in any forward-looking statement. Details about factors that may cause them to differ are contained in our SEC filings. Forward-looking statements speak only as of today, and we undertake no
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