Origin Bancorp, Inc.

Good morning, and welcome to the Orange and Bancorp, Inc. First Quarter Earnings Conference Call. My name is Tom, and I'll be your EverCall Coordinator. The format of the call includes prepared remarks from the company, followed by a question and answer session. All attendees will be on a listen-only mode until the Q&A portion of the call. Please note, this event is being recorded. I would now like to turn the conference call over to Chris Riegelman, Director 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 referred to during this call. Please refer to page 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 of you joining by phone, please note the slide presentation is available on our website at www.ir.origin.bank. Please also note that our safe harbor statements are available on page 7 of our earnings release file with the SEC yesterday. 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 Origin Bank Corp's Chairman, President and CEO, Drake Mills, President and CEO of Origin Bank, Lance Hall, our Chief Financial Officer, Wally Wallace, Chief Risk Officer, Jim Crotwell, our Chief Accounting Officer, Steve Brawley, and our Chief Credit and Banking Officer, Preston Moore. After the presentation, we will be happy to address any questions you may have. Drake, the call is yours.

Thanks, Chris, and thanks for being with us this morning. I am proud of the employees of Origin and their commitment to the strategic path we are currently on. We all know there are macroeconomic factors impacting the markets, but we have proven through previous cycles that our focus remains on serving our customers, our communities, our shareholders, regardless of where we are in the cycle. During last quarter's earnings call, we introduced Optimize Origin, our plan to deliver sustainable elite-level financial performance. I am pleased with the overwhelming focus and commitment our employees have on accomplishing this goal and the progress we've made since launch. As we continue to communicate, we expect the strategic actions that we have taken and will continue to implement will drive us to an ROA run rate of 1% or greater by the fourth quarter this year. Our ultimate target is is for our ROA to be in the top quartile of our peers. In the first quarter, we identified the next steps in reaching our run rate goal through the restructuring of our mortgage business. This has been an area of focus for us through Optimize Origin, and we believe through a partnership model, we will create efficiencies that will lead to an annual pre-tax earnings improvement of approximately $1.5 million beginning in the second half of the year. I am pleased with our results for the quarter, and particularly our net interest margin expansions. Our bankers are doing a great job of managing costs, and it shows in our results. Net interest income continues to improve quarter over quarter, and our annualized ROA was 93 basis points. Our management team is focused on delivering results, and I'm proud of how we started the year. Now I'll turn it over to Lance and the team.