Q3 2019 F.N.B. Corp Earnings Call Transcript

Oct 17, 2019 / 12:15PM GMT
Operator

Hello, and welcome to the F.N.B. Corporation Third Quarter 2019 Earnings Call. (Operator Instructions) Please note, today's call is being recorded.

I'd now like to turn the conference over to Matt Lazzaro, Manager of Investor Relations. Mr. Lazzaro, please go ahead.

Matthew J. Lazzaro - F.N.B. Corporation - Manager of IR

Thank you. Good morning, everyone, and welcome to our earnings call. This conference call of F.N.B. Corporation and the reported files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to and not as an alternative for our reported results prepared in accordance with GAAP. Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation materials and our earnings release. Please refer to these non-GAAP and forward-looking statement disclosures contained in our earnings release, related presentation materials and our reports and

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