Erik Yohe | Executive Vice President of Corporate Development |
Jeremy Ford | President and Chief Executive Officer |
William Furr | Chief Financial Officer |
Michael Rose | Raymond James |
Thomas Wendler | Stephens, Inc. |
Woody Lay | KBW |
Hi, everyone, and welcome to the Hilltop Holdings' Fourth Quarter 2022 Earnings Conference Call and Webcast. My name is Bruno, and I will be the operator of your call today. [Operator Instructions]
I will now hand over to your host, Erik Yohe. Please go ahead.