Noah Fields | Vice President, Investor Relations |
Michael Collins | Chairman and Chief Executive Officer |
Craig Bridgewater | Group Chief Financial Officer |
Michael Schrum | President and Group Chief Risk Officer |
Timur Braziler | Wells Fargo |
Will Nance | Goldman Sachs |
Michael Perito | KBW |
David Feaster | Raymond James |
Good morning, everyone. My name is Sashnavi, and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2022 Earnings Call for the Bank of N.T. Butterfield and Son Limited. [Operator Instructions].