William Kessel | President & CEO |
Joel Rahn | EVP & Head of Commercial Banking |
Gavin Mohr | EVP & CFO |
Erik Zwick | Hovde Group |
Matthew Renck | KBW |
Brendan Nosal | Piper Sandler |
Welcome and thank you for joining the Independent Bank Corporation 2022 Fourth Quarter and Full Year Earnings Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions]
Now let me turn the call over to Brad Kessel, President and CEO.