Bank OZK

The conference will begin shortly. To raise your hand during.

Ladies and gentlemen, thank you for standing by and welcome to the Bank OZK third quarter 2022 earnings call. At this time, all participants are on a listen only mode. After the speaker's presentation, there'll be a question and answer session. To ask a question during the session, you'll need to press star one one on your telephone. I would like to turn the call over to your host, Jay Staley. You may begin.

Good morning. I'm Jay Staley, Director of Investor Relations and Corporate Development for Banko ZK. 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 Hamblin, President, Tim Hicks, Chief Financial Officer, and Cindy Wolf, Chief Operating Officer. We will now open the lines for your questions. Let me now ask our operator, Kevin, to remind our listeners how to queue in for questions.