Banner Corporation

Good morning, ladies and gentlemen. Thank you for joining and being present at the Banner Corporation's first quarter 2022 conference call and webcast. My name is Irene and I will be coordinating today's call. If you would like to ask a question during the presentation, you may do so by pressing star one on your telephone keypad. In case you have joined us online, you have the possibility to press the flag icon on your web browser and to ask a question. I will now hand you over to your host. Mark Grescovich, President and CEO to begin. Mark, please go ahead.

Thank you, Irene, and good morning, everyone. I would also like to welcome you to the first quarter 2022 earnings call for Banner Corporation. As is customary, joining me on the call today is Peter Connor, our Chief Financial Officer, Joe 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. 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 discussion. Additionally, we provided an investor presentation that can be found in the investor relations section of our website, bannerbank.com. 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 from the earnings press release that was released yesterday and a recently filed Form 10-K for the year ended December 31st, 2021. Forward-looking statements are effective only as of the date they are made and Banner assumes no obligation to update information concerning its expectations.