Bank OZK

Good day, everyone, and thank you for standing by. Welcome to BankOZK's second quarter 2024 earnings conference call. At this time, all participants are in a listen-only mode. After the presentation, there will be a question and answer session. To participate, you will need to press star 1-1 on your telephone. You will then hear a message advising your hand is raised. To withdraw your questions, simply press star 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to the Director of Investor Relations, Jay Staley. Please proceed.

Good morning. I'm Jay Staley, Director of Investor Relations and Corporate Development 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 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 Wolfe, Chief Operating Officer. We will now open up the lines for your questions. Let me now ask our operator, Carmen, to remind our listeners how to queue in for questions.

Thank you. Yes. And as a reminder, that is star 1-1 to get in the queue and wait for your name to be announced. To remove yourself, press star 1-1 again. One moment for our first question. And it comes from the line of Matt Olney with Stevens. Please proceed.