Erik Yohe | executive |
Jeremy Ford | executive |
William Furr | executive |
Tom Wendler | analyst |
Wood Lay | analyst |
Graham Dick | analyst |
Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings Third Quarter 2023 Earnings Conference Call and Webcast. [Operator Instructions] I would now like to turn the conference over to Erik Yohe with Hilltop Holdings.
Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, allowance for credit losses, liquidity and sources of funding, the impact and potential impacts of inflation, stock repurchases and dividends and impacts of interest rate changes as well as such other items referenced in the presence of our presentation are forward-looking statements.These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties.
Our actual results, capital, liquidity and financial condition may differ materially from these statements due to a variety of factors, including the precautionary statements referenced in our presentation and those included in our most recent annual and quarterly reports filed with the SEC.Please note that the information presented is preliminary and based upon data available at this time. Except to the extent required by law, we expressly disclaim any obligation to update earlier statements as a result of new information.