SB Financial Group, Inc.

Good morning and welcome to the SB Financial third quarter 2022 conference call webcast. I'd like to inform you that this conference call is being recorded and all participants are in listen-only mode. We'll begin with remarks by management and open the conference to the investment community for questions and answers. I'll turn the conference over to Sarah Mekas with SB Financial. Please go ahead, Sarah.

Good morning, everyone. I'd like to remind you that this conference call is being broadcast live over the Internet and will be archived and available on our website at ir.yourstatebank.com. Joining me today are Mark Klein, Chairman, President, and CEO, and Tony Cosentino, Chief Financial Officer. This call may contain forward-looking statements regarding SBC Financial's performance, anticipated plans, operational results, and objectives. Forward-looking statements are based on management expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those expressed on our call today. We have identified a number of different factors within the forward-looking statements at the end of our earnings release, which you are encouraged to review. SB Financial undertakes no obligation to update any forward-looking statement, except as required by law, after the date of this call. In addition to the financial results presented in accordance with GAAP, this call will also contain certain non-GAAP financial measures. The reconciliation of GAAP to non-GAAP measures is included in our earnings release.

I will now turn the call over to Mr. Klein. Thank you, Sarah, and good morning, everyone.