Banner Corporation

Hello, everybody, and thank you for joining Banner Corporation's fourth quarter 2021 earnings call. My name is Bethany, and I'll be your operator for the call today. If you would like to register a question at Q&A, please press star followed by one on your telephone keypad. I will now hand the call over to your host, Mark Greskovich, President and CEO of Banner Corporation. Mark, over to you.

Thank you, Bethany, and good morning, everyone. I would also like to welcome you to the fourth quarter and full year 2021 earnings call for Banner Corporation. As is customary, joining me on the call today is Peter Connor, our Chief Financial Officer, Jill Rice, our Chief Credit Officer, and Rich Arnold, our Head of Investor Relations. Rich, would you please read our forward-looking safe harbor statement?

Sure, Mark. Good morning. Our presentation today discusses Banner's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures, and statements about Banner's general outlook for economic and other conditions. We also may make other forward-looking statements in the question and answer period following management's discussions. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ are available in the earnings press release that was released yesterday and a recently filed Form 10-Q for the quarter ended September 30th, 2021. Certain of these risk factors may be particularly acute as a result of the rapid implementation of organizational changes and strategic projects related to Banner Forward. Forward-looking statements are effective only as of the date they are made, and Banner assumes no obligation to update information concerning its expectations. Mark?