Craig Dwight | Chairman and Chief Executive Officer |
Thomas Prame | President |
Mark Secor | Executive Vice President and Chief Executive Financial Officer |
Lynn Kerber | Executive Vice President and Chief Commercial Banking Officer |
Noe Najera | Executive Vice President and Senior Retail and Mortgage Lending Officer |
Terry McEvoy | Stephens |
David Long | Raymond James |
Nathan Race | Piper Sandler |
Damon DelMonte | KBW |
Brian Martin | Janney Montgomery |
Good morning, everyone, and welcome to the Horizon Bancorp Conference Call to discuss Financial Results for the Fourth Quarter and Full Year of 2022. [Operator Instructions] There will be a question-and answer session after today's remarks. [Operator Instructions] Please note, this event is being recorded.
Before turning the call over to the management, please remember that today’s call may contain statements that are forward-looking in nature. These statements are subject to risks, uncertainties and other factors that could cause actual results to differ materially from those discussed, including factors noted in the slide presentation.