Banner Corporation

Hello, and welcome to the Banner Corporation's third quarter 2023 conference call and webcast. All lines have been placed on mute during a presentation portion of the call, with an opportunity for question and answer at the end. If you would like to ask a question, please press star followed by one on your telephone keypad. I would now like to turn the conference call over to our host, Mark Ressus-Fitch, President and CEO of Banner Corporation. Please go ahead.

Thank you, Banner. And good morning, everyone. I would also like to welcome you to the third quarter 2023 earnings call for Banner Corporation. Joining me on the call today is Rob Butterfield, Banner Corporation's 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, 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. 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 10-Q for the quarter ended June 30, 2023. 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?