Cort O'Haver | President and Chief Executive Officer |
Torran Nixon | President |
Ronald Farnsworth | Chief Financial Officer |
Frank Namdar | Chief Credit Officer |
Jacque Bohlen | Director, Investor Relations |
Jeff Rulis | D.A. Davidson |
Brandon King | Truist Securities |
Jared Shaw | Wells Fargo Securities |
Christopher McGratty | Keef, Bruyette & Woods |
Good day and thank you for standing by. Welcome to the Umpqua Holdings Corporation, First Quarter 2022, Earnings Call. All lines have been placed on mute to prevent background noise. [Operator Instructions]. At this time, I will like to introduce Jacque Bohlen, Investor Relations Director for Umpqua, to begin to conference call.