Kay Gregory | Investor Relations |
Mariner Kemper | President and Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
Jim Rine | Chief Executive Officer, UMB Bank |
Chris McGratty | KBW |
Nathan Race | Piper Sandler |
Hello, everyone, and welcome to the UMB Financial Fourth Quarter 2022 Financial Results Call. My name is Davey, and I'll be coordinating your call today. [Operator Instructions]
I would now like to hand the call over to your host, Kay Gregory with Investor Relations to begin.
So, Kay, please go ahead.