Jacque Bohlen | IR Director |
Cort O'Haver | President and CEO |
Tory Nixon | President, Umpqua Bank |
Ron Farnsworth | CFO |
Frank Namdar | Chief Credit Officer |
Jared Shaw | Wells Fargo |
Jeff Rulis | D.A. Davidson |
Brandon King | Truist |
Andrew Terrell | Stephens |
Matthew Clark | Piper Sandler |
Chris McGratty | KBW |
Good morning, and welcome to the Umpqua Holdings Corporation's Fourth Quarter 2022 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there'll be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.
At this time, I would like to introduce Jacque Bohlen, Investor Relations Director at Umpqua to begin the conference call.