Bank OZK

Good day and thank you for standing by. Welcome to the Bank OZK fourth quarter 2022 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you need to press star 11. You will then hear an automating message advising your hand is raised. Please be advised that today's conference is being recorded I would now like to hand the conference over to 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, Brandon Hamblin, President, Tim Hicks, Chief Financial Officer, and Cindy Wolf, Chief Operating Officer. We will now open up the line for your questions. Let me now ask our operator, Victor, to remind our listeners how to queue in for questions.

As a reminder, to ask a question, you need to press star 11 on your telephone. Please stand by. We'll compile the Q&A roster. Your first question will come from the line of... Steph Scotland from Piper Sandler. Your line is open.