Banner Corporation

Good morning or good afternoon all and welcome to the Banner Corporation third quarter 2022 conference call and webcast. My name is Adam and I'll be your operator today. If you'd like to ask a question during the Q&A portion of today's call, you may do so by pressing star followed by one on your telephone keypad. I will now hand over to Mark Grescovich, President and CEO to begin. So Mark, please go ahead when you are ready.

Thank you, Adam, and good morning, everyone. I would also like to welcome you to the third quarter 2022 earnings call for Banner Corporation. As is customary, joining me on the call today is Peter Conner, 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. 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, forecast 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. 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 the most recently filed form 10Q for the quarter ended June 30th, 2022. Forward-looking statements are effective only as of the day they are made and Banner assumes no obligation to update information concerning its expectations. Mark.