|Clint Stein||President & Chief Executive Officer|
|Aaron Deer||Chief Financial Officer|
|Chris Merrywell||Chief Operating Officer|
|David Feaster||Raymond James|
|Jeff Rulis||D.A. Davidson|
|Jon Arfstrom||RBC Capital Markets|
|Matthew Clark||Piper Sandler|
Ladies and gentlemen, thank you for standing by. Welcome to the Columbia Banking System's Fourth Quarter and Full Year 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we'll conduct a question-and-answer session. Instructions will be given at that time.