Bank OZK

Thank you for standing by, and welcome to the BankOZK Third Quarter 2021 Earnings Conference Call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you'll need to press star 1 on your telephone. As a reminder, today's program is being recorded. I would now like to introduce your host for today's program, Tim Hicks, Chief Credit and Administrative Officer. Please go ahead, sir.

Good morning. I'm Tim Hicks, Chief Credit and Administrative Officer for Bank OZK. Thank you for joining our call this morning and participating in our question and answer session. In today's Q&A session, we may focus on forward-looking statements about our expectations, estimates, and outlook for the future. Please refer to our earnings release, management comments, and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements. Joining me on the call to take your questions are George Gleason, Chairman and CEO, Brandon Hamlin, President, Greg McKinney, Chief Financial Officer, and Cindy Wolfe, Chief Banking Officer. We will now open up the lines for your questions. Let me ask our operator, Jonathan, to remind our listeners how to cue in for questions.

Certainly. Once again, if you have a question, please press star and then 1. And if you wish to remove yourself from the queue, please press the pound key. Our first question comes from the line of Ken Zerbe from Morgan Stanley. Your question, please.