Greg Seward | Chief Risk Officer and General Counsel |
James Mahan | Chairman and Chief Executive Officer |
William Losch | Chief Financial Officer |
Huntley Garriott | President |
Steve Smits | Chief Credit Officer |
Steven Alexopoulos | JPMorgan |
Crispin Love | Piper Sandler |
Michael Perito | KBW |
Good day and thank you for standing by. Welcome to the Q4 2022 Live Oak Bancshares Inc. Earnings Conference Call. [Operator Instructions]
And I would now like to hand the conference over your speaker today Mr.