CVB Financial Corporation

Good morning, ladies and gentlemen, and welcome to the third quarter of 2022 CVB Financial Corporation and its Subsidiary Citizens Bank Business Bank Earnings Conference Call. My name is Tawanda, and I am your operator for today. At this time, all participants are in a listen-only mode. Later, we will conduct a question and answer period. Please note that this call is being recorded. I would now like to turn the presentation over to your host for today. Your speaker for today is Dave Bradshaw. You may begin.

Good morning, everybody, and I apologize for the delay. Alan's going to start us off, and then he'll turn it over to me.

Thank you. All right. Good morning, everyone. Thanks for joining today. We're going to be reviewing our financial results for the third quarter of 2022. Our comments today will refer to the financial information that was included in the earnings announcement released yesterday. To obtain a copy, please visit our website at www.cbbank.com and click on the Investors tab. The speakers on this call claim the protection of the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995. For more complete discussion of the risks and uncertainties that may cause actual results to differ materially from our forward-looking statements, please see the company's annual report on Form 10-K, for the year ended December 31st, 2021. And in particular, the information set forth in item 1A, risk factors therein. For a more complete version of the company's safe harbor disclosure, please see the company's earnings release issued in connection with this call. I'm now going to turn the call back over to Dave Breger. Dave? Thank you, Alan, and good morning, everyone.