Tim Schools | President & CEO |
Denis Duncan | CFO |
Chris Tietz | Chief Credit Policy Officer |
Stephen Scouten | Piper Sandler |
Brett Rabatin | Hovde Group |
Catherine Mealor | KBW |
Kevin Fitzsimmons | D.A. Davidson |
Jennifer Demba | Truist Securities |
Feddie Strickland | JMS |
William Wallace | Raymond James |
00:03 Good morning, everyone and welcome to CapStar Financial Holdings' Fourth Quarter 2021 Earnings Conference Call. Hosting the call today are CapStar -- from CapStar are Tim Schools, President and Chief Executive Officer; Denis Duncan, Chief Financial Officer, and Chris Tietz, Chief Credit Policy Officer. Please note that today's call is being recorded. A replay of the call and the earnings release and presentation materials will be available on the Investor Relations page of the company's website at capstarbank.com. 00:35 During this presentation, we may make comments, which constitute forward-looking statements within the meaning of the federal securities laws.