Robert Franklin | CEO |
Paul Egge | SEVP, CFO |
Steve Retzloff | Executive Chairman |
Ray Vitulli | President |
Joe West | SEVP, Chief Credit Officer |
Courtney Theriot | Chief Accounting Officer |
Eric Spector | Raymond James |
Matt Olney | Stephens |
Will Jones | KBW |
Brad Milsaps | Piper Sandler |
Good day and thank you for standing by. Welcome to the Stellar Bancorp First Quarter 2023 Earnings Call. At this time, all participants are in a listen-only mode. After the presentation, there will be a question-and-answer session. [Operator Instructions].