WesBanco, Inc.

Hello, and welcome to the WestBanco Inc. 3rd Quarter 2022 Earnings Conference Call. All participants will be in the send-only mode. Should you need assistance, please sit down with a conference specialist for 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 trust-to-own phone. To withdraw your question, please press star, then two. Please note, today's event is being recorded. And now I'd like to turn the conference over to your host today, John Iannone. Mr. Haino, please go ahead.

Thank you. Good morning, and welcome to WestBanco, Inc.' 's third quarter 2022 earnings conference call. Leading the call today are Todd Claussen, President and Chief Executive Officer, Jeff Jackson, Senior Executive Vice President and Chief Operating Officer, and Dan Weiss, Executive Vice President and Chief Financial Officer. Today's call an archive of which will be available on our website for one year, contains forward-looking information. Cautionary statements about this information and reconciliations of non-GAAP measures are included in our earnings-related materials issued yesterday afternoon, as well as our other SEC filings and investor materials. These materials are available on the investor relations section of our website, westancra.com. All statements speak only as, October 26, 2022, and WestBanco undertakes no obligation to update them. I would now like to turn the call over to Todd. Todd?

Thank you, John, and good morning, everyone. On today's calls, we will review our results for the third quarter of 2022 and provide an update on our operations and current 2022 outlook. Key takeaways from the call today are solid financial performance demonstrated by loan growth net interest margin expansion, and discretionary cost control. A robust deposit base that continues to provide us with strong, low-cost deposit flows during a time of quickly rising interest rates, and WestBanco remains a well-capitalized financial institution with strong liquidity, balance sheet, and credit quality metrics. I'd also like to introduce Jeff Jackson, our Chief Operating Officer and my anticipated successor upon my retirement at the end of next year. Jeff's experience at both First Horizon and IBM is exceptional, and throughout his career, he has successfully built and led teams and delivered top-tier results. In the few short months that we have worked together, I am proud to say that I am impressed by his knowledge, his ideas, and his energy. He is a great addition to the West Banko family and someone who is well-equipped to lead our company well into the future. Welcome, Jeff.