Kay Gregory | Investor Relations |
Mariner Kemper | President and Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
James Rine | Chief Executive Officer, UMB Bank |
Jared Shaw | Wells Fargo Securities |
Nathan Race | Piper Sandler |
Chris McGratty | KBW |
00:02 Good morning and welcome to the UMB Financial Fourth Quarter 2021 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded. 00:35 I would now like to turn the conference over to Kay Gregory of Investor Relations. Please go ahead.