Courtney Theriot | Chief Accounting Officer of Stellar Bank |
Robert Franklin | Chief Executive Officer |
Steve Retzloff | Executive Chairman |
Ray Vitulli | President of the Company and CEO of Stellar Bank |
Paul Egge | Senior Executive Vice President and CFO |
Joe West | Senior Executive Vice President and Chief Executive Credit Officer of Stellar Bank |
David Feaster | Raymond James |
Brad Milsaps | Piper Sandler |
Matt Olney | Stephens |
Will Jones | KBW |
Good day and thank you for standing by. Welcome to the Stellar Bancorp Inc. Fourth Quarter 2022 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.