Bank7 Corp.

Welcome to Bank 7 Corp's third quarter earnings call. Before we get started, I'd like to highlight the legal information and disclaimer on page 20 of the investor presentation. Those who do not have access to the presentation, management is going to discuss certain topics that contain forward-looking information which is based on the management's beliefs as well as assumptions made by and information currently available to management. Although management believes that the expectations reflected in such forward-looking statements are reasonable, they can give no assurance that such expectations will be correct. Such statements are subject to certain risks, uncertainties, and assumptions including, among other things, the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Should one or more of these risks materialize, or should any underlying assumptions prove incorrect, actual results may vary materially from those expected. Also, please note that this conference call contains references to non-GAAP financial measures. You can find reconciliations of these non-GAAP financial measures to GAAP financial measures in the 8K that was filed this morning by the company. Now representing the company in today's call, we have Brad Haynes, Chairman. Tom Travis, President and CEO, J.T. Phillips, Chief Operating Officer, Estes, Credit Officer, and Kelly Harris, Chief Financial Officer. With that, I'll turn the call over to Mr. Tom Travis.

Good morning. Thank you for joining us today. We're very pleased with our third quarter and our year-to-date results as well. In the early part of 22, we were busy preparing for our systems integration of the most recent acquisition that occurred in early June, and it was very successful. At the same time, our commercial bankers were extremely busy with a robust loan pipeline. So as we moved into the third quarter, we felt good about it, and we all talked about that. As we had successfully managed the seamless conversion and then adopted a great group of new team members. So we met the expectations we had for the quarter, actually exceeded them slightly. We expanded our NEM. We grew our loan book. We returned back to our extremely low efficiency ratio. And that all added up to record profits, double-digit increase in earnings per share. So we added a significant amount of value to the shareholders. A lot of hard work done by our team members. And just our daily focus on our core discipline of executing at the highest level on every transaction. And we're just delighted with the quarter. So with that being said, we're here to answer any questions. Thank you.

Thank you.