Andres Viroslav | Director of Investor Relations |
Damian Kozlowski | President & Chief Executive Officer |
Paul Frenkiel | Chief Financial Officer & Principal Accounting Officer |
Frank Schiraldi | Piper Sandler |
Michael Perito | KBW |
Good morning ladies and gentlemen and welcome to the Bancorp Inc.'s. Q4 and Fiscal 2022 Earnings Conference Call. [Operator Instructions] This call is being recorded on Friday, January 27, 2023.
I would now like to turn the conference over to Andres Viroslav. Please go ahead.