Bank OZK

Good day, and thank you for standing by. Welcome to the BankOVK Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during this session, you will need to press star 1 on your telephone. Please be advised that today's conference is being recorded. If you require any further assistance, please press star then 0. I would like to hand the conference over to your host today, Mr. Tim Hicks. Please go ahead.

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 make 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 to remind our listeners how to queue in for questions.

Again, if you have a question at this time, please press star then 1 on your touchtone telephone. If your question has been answered or you wish to remove yourself from the queue, please press the pound key. And our first question comes from the line of Catherine Millar with KBW. Your line is open. Please go ahead.