First Financial Bancorp.

Hello everyone and welcome to today's First Financial Bancorp Third Quarter 2022 Earnings Conference Call and Webcast. My name is Victoria and I will be your operator for today. If you would like to ask a question, please press star 1 on your telephone keypad. If you would like to withdraw your question, please press star 2. When preparing to ask your question, please ensure that your line is unmuted locally. I'll now pass over to your host, Scott Crawley, Corporate Controller, to begin. Please go ahead.

Thanks, Victoria.

Good morning, everyone, and thank you for joining us on today's conference call to discuss First Financial Bank Corp's third quarter and year-to-date 2022 financial results. Participating on today's call will be Archie Brown, President and Chief Executive Officer, Jamie Anderson, Chief Financial Officer, and Bill Herrod, Chief Credit Officer. Both the press release we issued yesterday and the accompanying slide presentation are available on our website at www.bankatfirst.com under the Investor Relations section. We'll make reference to the slides contained in the accompanying presentation during today's call. Additionally, please refer to the forward-looking statement disclosure contained in the third quarter of 2022 earnings release, as well as our SEC filings for a full discussion of the company's risk factors. The information we provide today is accurate as of September 30th, 2022, and we will not be updating any forward-looking statements to reflect facts or circumstances after this call. I'll now turn it over to Archie Brown. Thanks, Scott. Good morning, everyone, and thank you for joining us for today's call. Yesterday afternoon, we announced our financial results for the third quarter. I'm very pleased with our performance, which was highlighted by strong long growth, stable asset quality, and exceptional earnings. Adjusted earnings per share increased approximately 9% from the second quarter due to record revenue, which was driven by an 18% increase in net interest income. For the quarter, we achieved adjusted earnings per share of $0.61, a 1.4% return on average assets and a 23.12% return on average tangible common equity. Recent rate increases continue to positively impact our asset-sensitive balance sheet. Our net interest margin expanded in the third quarter by 53 basis points as yields on assets increased much more rapidly than deposit costs. Credit trends remain stable across the portfolio with slight reductions in non-performing loan and net charge-off ratios. Even with these improvements, our loan loss reserve grew modestly to account for loan growth and the intermediate economic outlook. We're very pleased with loan growth in the third quarter. Loan balance has increased by $377 million, or 15.9% on an annualized basis. Growth in the quarter was, again, broad-based and was driven by increases in CNI, consumer, and residential mortgage. Given our expectations for the economy in the near term, and moderating loan pipelines, we expect loan growth to ease in the coming months. Non-interest income was once again negatively impacted by rising rates and changes made to our overdraft program in the second quarter of this year. We also experienced an expected decline in foreign exchange income from a record second quarter, and mortgage activity weakened further. Fee income continues to reflect the strength of our diversified businesses, and we expect a modest increase in the coming quarter as our leasing business grows. With that, I'll now turn the call over to Jamie to discuss third quarter results in more detail. After Jamie's discussion, I'll wrap up with some additional forward-looking commentary. Jamie. Thank you, Archie. Good morning, everyone.