Renasant Corporation

Good day, and welcome to the Renaissance Corporation 2021 Year End and Fourth Quarter Earnings Conference Call and Webcast. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing star, then zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on a touch-tone 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 Kelly Hutchison with Renasant Corporation. Please go ahead.

Good morning, and thank you for joining us for Renasant Corporation's 2021 Fourth Quarter Webcast and Conference Call. Participating in this call today are members of Renasant's Executive Management Team. Before we begin, please note that many of our comments during this call will be forward-looking statements which involve risk and uncertainty. There are many factors that could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements. Although business activity in the markets in which we operate increased significantly relative to 2020, The spread of multiple variants during 2021, including the most recent Omicron variant, reminds us that the impact of the pandemic and the federal, state, and local measures taken to arrest the virus may remain significant factors impacting our financial condition and operating results for the foreseeable future. Other factors include, but are not limited to, interest rate fluctuation, regulatory changes, portfolio performance, and other factors discussed in our recent filings with the Securities and Exchange Commission, including our recently filed earnings release, which has been posted to our corporate site, www.renaissance.com, at the Press Releases link under the News and Market Data tab. We undertake no obligation, and we specifically disclaim any obligation, to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events, or changes to future operating results over time. In addition, some of the financial measures that we may discuss this morning are non-GAAP financial measures. A reconciliation of the non-GAAP measures to the most comparable GAAP measures can be found in our earnings release. And now I will turn the call over to our President and Chief Executive Officer, Mitch Waycaster.

Thank you, Kelly. Good morning. We appreciate you joining the call today. Before Kevin and Jim discuss results for the fourth quarter and our near-term outlook, I want to reflect on 2021 and the opportunities ahead. First, I am so very proud of our team as they persevered through the challenges of the health crisis. I want to thank our team for their extraordinary efforts, putting each other and customers first throughout the year. Financially, we produced solid earnings, strengthened capital levels, and ended the year with considerable balance sheet liquidity. Additionally, we published an ESG report in 2021, which documents our efforts in a number of important areas, including diversity and inclusion. We expect to issue a new ESG report in 2022. As we look to the new year, the economic strength of our markets is evident, and the outlook for growth is good. Industries that remained hard hit by COVID in early 2021 have largely rebounded and are better positioned. Business activity across the footprint is vibrant and causes us to be hopeful on improving long growth. I am optimistic about the coming year and sharing with you the results. I will now turn the call over to Kevin.