Simmons First National Corporation

Ladies and gentlemen, thank you for standing by and welcome to the Simmons First National Corporation first quarter 2022 earnings call and webcast. 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 1 on your telephone. If you require any further assistance, please press star 0. I would like to turn the call over to your host, Ed Billick. You may begin.

Good morning, and thank you for joining our first quarter earnings call. My name is Ed Billick, Director of Investor Relations at Simmons First National Corporation. Joining me today are several members of our executive management team, led by our Chairman and CEO, George Makris. The purpose of our call is to discuss the information and data provided by Simmons in his quarterly earnings release issued this morning, and to discuss our outlook for the remainder of 2022. We have invited institutional investors and analysts from the equity firms that provide research on Simmons to participate in in the Q&A. All other guests on the conference call are in listen-only mode. A recording of today's call will be posted on our website, SimmonsBank.com, under the Investor Relations page for at least 60 days. During today's call, we will make forward-looking statements about our future plans, goals, expectations, estimates, projections, and outlook. I'd remind you that you should not place undue reliance on any forward-looking statement, as actual results might differ materially from those projected in or implied by the forward-looking statements due to a variety of factors. Additional information concerning some of these factors is contained in our SEC filings, including, without limitation, the description of certain risk factors contained in our Form 10-K for the year ended December 31, 2021, and the forward-looking information section of our earnings release issued this morning. Simmons assumes no obligation to update or revise any forward-looking statements or other information. Finally, during this call, we will discuss certain non-GAAP financial metrics we believe provide useful information to investors. Additional disclosures regarding non-GAAP metrics, including the reconciliations of these non-GAAP metrics to GAAP, are contained in our earnings release and investor presentation, which are included as exhibits to the Form 8K we filed this morning with the SEC and are also available on our investor relations page of our website, SimmonsBank.com. Operator, we are ready to begin the Q&A session.

Ladies and gentlemen, if you have a question or a comment at this time, please star than the one key on your touchstone telephones. If your question has been answered or you wish to move yourself from the key, please press the pound key. Our first question comes from David Feasterman James.