Bank OZK

Thank you for standing by, and welcome to the BankOZK second quarter 2022 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'll need to press star 1 on your telephone. As a reminder, today's program may be recorded. And now I'd like to introduce your host for today's program, Jay Staley, Director of Investor Relations. Please go ahead, sir. Good morning.

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 Hamlin, President, Tim Hicks, Chief Financial Officer, and Cindy Wolf, Chief Operating Officer. We will now open up the lines for your questions. Let me now ask our operator, Jonathan, to remind our listeners how to queue in for questions.

Certainly. Once again, if you have a question at this time, please press star, then 1. One moment for our first question. Our first question comes in line. It's from Wells Fargo. Your question, please.