Origin Bancorp, Inc.

Good afternoon. Welcome to the Origin Bank Corp, Inc. Third Quarter 2020 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 a question. To ask a question, you may press star, then one on your touchtone phone. To withdraw your question, please press star, then two. Please note this event is being recorded. I would now like to turn the conference over to Chris Riegelman, Head of Investor Relations. Please go ahead.

Good morning and thank you for being with us. We issued our earnings press release yesterday afternoon, a copy of which is available on our website, along with a slide presentation that we will refer to during this presentation. Please refer to slide two of our slide presentation, which includes our safe harbor statements regarding forward-looking statements and the use of non-GAAP financial measures. For those joining by phone, please note the slide presentation is available on our website at www.origin.bank. Please also note that our Safe Harbor Statements are available on page 5 of our earnings release filed yesterday with the SEC. All comments made during today's call are subject to the Safe Harbor Statements in our slide presentation and earnings release. I'm joined this morning by Oregon Bank Corp's Chairman, President, and CEO, Drake Mills, our Chief Financial Officer, Steve Brawley, President of Origin Bank, Lance Hall, our Chief Risk Officer, Jim Crotwell, and our Chief Credit and Banking Officer, Preston Moore. After the presentation, we'll be happy to address any questions you may have. At this time, I'll turn the call over to you, Drake.

Thanks, Chris, and good morning. Our third quarter results continue to solidify confidence throughout our organization that we have the right people, the right relationships, and the right markets supported by great infrastructure, strong capital, and credit quality to not only work through this pandemic, but strengthen relationships while remaining in a position to capitalize on opportunities. This is detailed through our unique and defined culture shown on slide four. We'll get into more detail later in the presentation, but I want to provide a high-level overview of our strong results for the quarter starting on slide five. Total assets increased to $7.1 billion, while net income came in at over $13 million, or 56 cents of diluted EPS. Our pre-tax, pre-provision earnings increased, finishing the quarter at $29.9 million, and our net interest income, also a high for our company, is up by approximately $4.3 million from the prior quarter to $50.6 million for the quarter. Even through the uncertainty of 2020, there are many bright spots throughout our markets and the company. Our bankers remain extremely focused on strengthening relationships, and our mortgage and mortgage warehouse teams have done an incredible job of taking advantage of the current rate environment and capitalizing on disruption in the marketplace. As we have stated since the beginning of the pandemic, we remain committed to the health and safety of our employees and customers, to being a partner within our communities, to protecting our balance sheet and taking steps to manage expenses. I'm proud of the results of the quarter. and optimistic about the many opportunities before us. I'll turn it over to Lance to go through how we support our customers, as well as discussion on loans and deposits. Lance?