Palmer Proctor | CEO |
Nicole Stokes | CFO |
Jon Edwards | Chief Credit Officer |
Kevin Fitzsimmons | D.A. Davidson Companies |
Brady Gailey | KBW |
Jennifer Demba | Truist Securities |
David Feaster | Raymond James |
Christopher Marinac | Janney Montgomery Scott |
Hello, everyone, and thank you for joining the Ameris Bancorp Third Quarter 2022 Conference Call. My name is Darius, and I'll be the operator for today. [Operator Instructions]. I now have the pleasure of handing over to your host, Nicole Stokes, Chief Financial Officer. Please go ahead, Nicole.