Horizon Bancorp, Inc.

and welcome to the Horizon Bancorp, Inc. conference call to discuss financial results for the third quarter of 2023. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then 1 on your telephone keypad. To withdraw your question, please press star, then 2. Please note this event is being recorded. Before turning the call over to management, please remember that today's call may contain statements that are forward-looking in nature. These statements are subject to risk. uncertainties, and other factors that could cause actual results to differ materially from those discussed, including those factors noted in slide presentation. Additional information about factors that could cause actual results to differ materially is contained in Horizon's most recent form, Tank A, and its later filings with the Securities and Exchange Commission. In addition, management may refer to certain non-GAAP financial measures that are intended to help investors understand Horizon's business. Reconciliations for these measures are contained in the presentation. The company assumes no obligation to update any forward-looking statements made during the call. For anyone who does not already have a copy of the press release, and supplemental presentation issued by Horizon yesterday, they can access at the company's website, horizonbank.com. Representing Horizon today are the Executive Vice President and Chief Commercial Banking Officer, Lynn Kerber, the Executive Vice President and Chief Financial Officer, Mark Secor, and Chief Executive Officer and President, Thomas Brame. At this time, I would like to turn the call over to Mr. Thomas Brame.

Please, go ahead. Good morning, and thank you for participating.

We're pleased to share our third quarter results that were highlighted by a strong loan growth led by our commercial banking team, resilient and stable core deposit portfolios, and an increase in our non-interest income performance. Not unlike the first half of 2023, the team continues to manage expenses very well, and you'll see in our presentation, our credit quality performance remains a positive foundation for the franchise. Within our comments today, we'll update you on our fourth quarter and full year outlook as we continue to strategically manage our balance sheet, portfolios, and pricing, and expand revenue sources, conservatively manage risk, and maintain ample capital and liquidity that we believe will position us well as we move into 2024. To offer more detail into our third quarter results, let me introduce Lynn Kerver, our Executive Vice President and Chief Commercial Banking Officer, to provide insight into our lending and credit performance. Lynn?