Noah Fields | Head, IR |
Michael Collins | Chairman and CEO |
Craig Bridgewater | Group CFO |
Michael Schrum | President and Group Chief Risk Officer |
Alex Twerdahl | Piper Sandler |
Timur Braziler | Wells Fargo Securities |
David Feaster | Raymond James |
Tim Switzer | KBW |
Good morning. My name is Dave, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 2022 Earnings Call for The Bank of N.T. Butterfield & Son Limited. After today’s presentation, there will be an opportunity to ask questions.