Simmons First National Corporation

And welcome to the Simmons First National Corporation Third Quarter 2023 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your touchtone phone. To withdraw your question, please press star, then 2. Please note this event is being recorded. I would now like to turn the conference over to Ed Billick. Please go ahead.

Good morning, and welcome to Simmons First National Corporation's third quarter 2023 earnings call. Joining me today are several members of our executive management team, including our executive chairman, George Makris, CEO, Bob Fellman, and president and CFO, Jay Brogdon. Before we begin the Q&A, I would like to remind you that our third quarter earnings materials, including the press release and presentation deck, are available on our website at SimmonsBank.com under the Investor Relations tab. During today's call, we will make forward-looking statements about our future plans, goals, expectations, estimates, projections, and outlook, including, among others, our outlook regarding future economic conditions, interest rates, and lending and deposit activity, credit quality, liquidity, and an interest margin. These statements involve risks and uncertainties, and you should therefore not place undue reliance on any forward-looking statement, as actual results could differ materially from those expressed 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 earnings release and investor presentation furnished with our Form 8-K today. our Form 10-Q for the quarter ended March 31, 2023, and our Form 10-K for the year ended December 31, 2022, including the risk factors contained in that Form 10-K. These forward-looking statements speak only as of the date they are made, and Simmons assumes no obligation to update or revise any forward-looking statements or other information. Finally, in this presentation, 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 also included as exhibits to the Form 8K we filed this morning with the SEC and are also available on the investor relations page of our website, SimmonsBank.com. Operator, we are ready to begin the Q&A session.

Thank you. We will now begin the question and answer session. To ask a question, you may press star, then 1 on your touchtone phone. If you're using a speakerphone, please pick up your handset before pressing the keys. To draw your question, please press star, then 2. At this time, we will pause momentarily to assemble our roster. Our first question comes from Brady Gailey with KPW. Please go ahead.