Valley National Bancorp

The conference will begin shortly. To raise and lower your hand during Q&A, you can dial star 1 1. The conference will begin shortly. To raise and lower your hand during Q&A, you can dial star 1 1.

Good morning, and welcome to Valley's fourth quarter 2022 earnings conference call.

Presenting on behalf of Valley today are CEO Ira Robbins, President Tom Iadanza, and Chief Financial Officer Mike Agadorn. Before we begin, I would like to make everyone aware that our quarterly earnings release and supporting documents can be found on our company website at valley.com. When discussing our results, we refer to non-GAAP measures which exclude certain items from reported results. Please refer to today's earnings release for reconciliations of these non-GAAP measures. Additionally, I would like to highlight slide two of Ernie's presentation and remind you that the comments made during this call may contain forward-looking statements related to Valley National Bank Corp and the banking industry. Valley encourages all participants to refer to our SEC filings, including those found on forms 8K, 10Q, and 10K, for a complete discussion of forward-looking statements. With that, I'll turn the call over to Ira Robbins.