Greg Seward | General Counsel |
Chip Mahan | Chairman and Chief Executive Officer |
William Losch | Chief Financial Officer |
Huntley Garriott | President |
Renato Derraik | Chief Information and Digital Officer |
Steve Smits | Chief Credit Officer |
Steven Alexopoulos | JPMorgan |
Crispin Love | Piper Sandler |
Michael Perito | KBW |
Jennifer Demba | Truist Securities |
Good day, everyone, and thank you for standing by. Welcome to the First Quarter of 2022 Live Oak Bancshares Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today’s conference is being recorded.