Kay Gregory | Director of IR and Senior VP |
Mariner Kemper | President and CEO |
Ram Shankar | CFO |
Jim Rine | CEO of UMB Bank |
Tom Terry | Chief Credit Officer |
Timur Braziler | Wells Fargo |
Nathan Race | Piper Sandler |
Nick Moutafakis | KBW |
John Rodis | Janney |
Good morning, and thank you for attending today's UMB Financial Second Quarter 2022 Conference Call. My name is Daniel and I will be your moderator for today's call. [Operator Instructions]. I would now like to pass the conference over to our host, Kay Gregory, UMB Investor Relations.
You may now proceed.