Paul Nungester | EVP and CFO |
Gary Small | President and CEO |
Brendan Nosal | Piper Sandler |
Michael Perito | KBW |
Christopher Marinac | Janney Montgomery Scott |
Good morning, and welcome to the Premier Financial Corp. Fourth Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded.