Gregory Seward | EVP & General Counsel |
James Mahan | Chairman & CEO |
Steven Smits | Chief Credit Officer |
William Losch | CFO |
Neil Underwood | President & Director |
Renato Derraik | Chief Digital Officer |
Huntley Garriott | President, Live Oak Banking Company |
Steven Alexopoulos | JPMorgan Chase & Co. |
Jennifer Demba | Truist Securities |
Michael Perito | KBW |
Christopher Donat | Piper Sandler & Co. |
William Wallace | Raymond James & Associates |
Good afternoon, ladies and gentlemen, and welcome to the Q3 Live Oak Bancshares Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode.
We will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions].