Below is transcript of the Huntington Bancshares Incorporated (NASDAQ:HBAN)’s Fourth Quarter 2014 Earnings Conference Call, held on January 22, 2015, at 10:00 a.m. EST. Elizabeth Park Capital Management, Lmr Partners and Seawolf Capital was among Huntington Bancshares Incorporated (NASDAQ:HBAN) shareholders at the end of the third quarter.
Huntington Bancshares Incorporated (NASDAQ:HBAN) is a multi-state diversified regional bank holding company. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial, small business, consumer banking services, mortgage banking services, automobile financing, equipment leasing, investment management, trust services, brokerage services, customized insurance programs, and other financial products and services.
Todd Beekman – Director, Investor Relations
Steve Steinour – Chairman, President and Chief Executive Officer
Mac McCullough – Chief Financial Officer
Dan Neumeyer – Chief Credit Officer
Scott Siefers – Sandler O’Neill
Mathew O’Connor – Deutsche Bank
Bob Ramsey – FBR
Jon Arfstrom – RBC Capital Markets
Geoffrey Elliott – Autonomous Research
Erika Najarian – Bank of America
Good morning. My name is Anastasia and I will be your conference operator today. At this time I would like to welcome everyone to the Huntington Bancshares (NASDAQ:HBAN)’s Fourth Quarter Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. Thank you. Todd Beekman, Director of Investor Relations, you may begin your conference.
Todd Beekman, Director, Investor Relations
Thank you, Anastasia and welcome. I’m Todd Beekman the Managing Director of Strategy and Investor Relations for Huntington (NASDAQ:HBAN). Copies of the slides that we will be reviewing can be found on our website at huntington.com. This call is being recorded and will be available as a rebroadcast starting about an hour after the close of the call. Slides two and three have several aspects, basis of today’s presentation. I encourage you to read these, but let me point out one key disclosure. This presentation will reference non-GAAP financial measures. And in that regard, I direct you to comparable GAAP financial measures and a reconciliation to comparable GAAP financial measures within the presentation, initial earnings-related material we released this morning and related 8-K filed today, all of which can be found on our website.
Turning to slide four, today’s discussion, including the Q&A period, will contain forward-looking statements. Such statements are based on information and assumptions available at this time and are subject to changes, risks and uncertainties, which may cause actual results to differ materially. We assume no obligation to update such statements. For a complete discussion of risks and uncertainties, please refer to this slide, material filed with the SEC including our most recent 10-K, 10-Q and 8-K filings. As noted on slide five, presenters today are Steve Steinour, Chairman, President and Chief Executive Officer and Mac McCullough, Chief Financial Officer. Dan Neumeyer, Chief Credit Officer will also participate in Q&A portion of the call. Let’s get started by turning to slide six. Steve?