Bank OZK

Good day, and thank you for standing by. Welcome to the BankOZK first quarter 2022 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question and answer session. To ask a question during a session, you will need to press star 1 on your telephone. Please be advised that today's conference is being recorded, and if you require any further assistance, please press star 0. I would now like to hand the conference over to your speaker today, Jay Staley. Please go ahead.

Good morning. I'm Jay Staley, Director of Investor Relations and Corporate Development for BankoZK. 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, Brannon Hamblin, President, Tim Hicks, Chief Credit and Administrative Officer, and Cindy Wolfe, Chief Banking Officer. We will now open up the lines for your questions. Let me now ask our operator, Victor, to remind our listeners how to queue in for questions.

As you're ready to ask a question, you will need to press star 1 on your telephone. And to withdraw your question, just press the pound key. Please stand by while we compile the Q&A roster. Our first question comes from the line of Timber Braziller from Wells Fargo. Your line is open. Hi, good morning. Good morning, Tamara.