Origin Bancorp, Inc.

Good morning and welcome to the Origin Bank Corp, Inc. First Quarter 2022 Earnings Conference Call. 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 joining us today. 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 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 six of our earnings press release filed with the SEC yesterday. All comments made during today's call are subject to the safe harbor statement in our slide presentation and earnings release. I'm joined this morning by Ordnance Bank Corp's Chairman, President, and CEO, Drake Mills. our Chief Financial Officer, Steve Brawley, President and CEO 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. Now, I'll turn the call over to you, Dre.

Thank you, Chris, and good morning. Looking at the start of 2022 and how we are positioned moving forward, I am pleased with the fundamentals of our core business. Despite the external factors that are affecting the broader economy, I am proud of how we performed in the first quarter and how our teams drove significant growth by adding long-term relationships. This continued organic growth reflects our strategy and focus on building value through our clients. Total loans held for investment, excluding PPP and mortgage warehouse, were $4.66 billion, which is a 3.6% increase compared to last quarter and a 14.5% increase on an annualized basis and puts us in a great position to meet our expectations. Total deposits grew $196.5 million, or 3%, compared to last quarter, and 12.1% annualized. Lance will get into more detail on our loan deposit growth, but I would add that our growth in loans, and specifically non-interest-bearing deposits, is a reflection of our strategy and focus on profitable relationships throughout our markets. Looking at the income statement, we reported $20.7 million of net income, $25.6 million of pre-tax, pre-provision earnings, and a diluted EPS of 87 cents. We released $327,000 in credit reserves. Jim will provide more color on our credit portfolio, but I am pleased with our overall credit performance. Most of you are familiar with the origin story and you know that we are an organization who takes great pride in our corporate culture. It's not something we just talk about, but we build on it every day. It is truly a competitive advantage for us in our markets as we attract new customers and equally as important as we attract new bankers. During the first quarter, We added seven new producers, primarily in our Texas markets. We continue to capitalize on opportunities in Dallas, Fort Worth, and Houston. Slide 8 shows the consistent growth we've experienced in Texas from the standpoint of loans and deposits. I am optimistic that our new bankers, as well as our existing teams, will continue to drive meaningful growth. Now I'll turn it over to Lance.