Craig M. Dwight | CEO |
Jim Neff | Executive Vice President |
Mark E. Secor | CFO |
Noe S. Najera | Senior Vice President for Retail Lending |
Dennis J. Kuhn | Executive Vice President and Chief Commercial Banking Officer |
Lynn M. Kerber | Executive Vice President and Senior Commercial Credit Officer |
Terry McEvoy | Stephens |
David Long | Raymond James |
Damon Delmonte | KBW |
Brian Martin | Janney Montgomery |
Nathan Race | Piper Sandler |
Good morning, everyone. And welcome to the Horizon Bancorp conference call to discuss financial results for the three months, ended December 31st, 2021.All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. We do ask [Indiscernible] one question and a single follow-up.