Cullen/Frost Bankers, Inc. (CFR) Q4 2018 Earnings Conference Call January 31, 2019 11:00 AM ET Company Participants A.B. Mendez - SVP and Director of Investor Relations Phil Green - Chairman and CEO Jerry Salinas - Group EVP and CFO Conference Call Participants Brady Gailey - KBW Jennifer Demba - SunTrust Peter Winter - Wedbush Securities Ebrahim Poonawala - Bank of America Merrill Lynch Brett Rabatin - Piper Jaffray Jon Arfstrom - RBC Capital Markets Good day, ladies and gentlemen and welcome to the Cullen ...