Pamela Kennard | Investor Relations Analyst |
Marty Birmingham | President & Chief Executive Officer |
Jack Plants | Executive Vice President, Chief Financial Officer & Treasurer |
Alex Twerdahl | Piper Sandler |
Damon DelMonte | KBW |
Erik Zwick | Hovde Group |
Hello, everyone and welcome to the Financial Institutions Fourth Quarter and Full Year 2022 Earnings Conference Call. My name is Bruno, and I will be operating your call today. [Operator Instructions]
I will now hand over to your host, Pamela Kennard, Investor Relations Analyst. Pamela? Please go ahead.