Justin Horstman | Director of Investor Relations |
Jerry Baack | Chairman, President and Chief Executive Officer |
Joe Chybowski | Chief Financial Officer |
Jeff Shellberg | Chief Credit Officer |
Nick Place | Chief Lending Officer |
Brendan Nosal | Piper Sandler |
Jeff Rulis | D.A. Davidson |
Ben Gerlinger | Hovde Group |
Good morning, and welcome to the Bridgewater Bancshares 2022 Fourth Quarter Earnings Call. My name is Joe and I will be your conference operator today. All participants have been placed in a listen only mode during the duration of the call. After Bridgewater’s opening remarks, there will be a question-and-answer session [Operator Instructions]. Please note that today's call is being recorded.