Renasant Corporation

evening, and welcome to the Renaissance Corporation 2022 second quarter earnings conference call and webcast. 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 questions. To ask a question, you may press star then one on your telephone keypad. 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 Renaissance Corporation. Please go ahead.

Good morning, and thank you for joining us for Renaissance Corporation's 2022 Second Quarter Webcast and Conference Call. Participating in this call today are members of Renaissance'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. Such 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, everyone. We appreciate you joining the call today. Before Kevin and Jim discuss the results for the second quarter, I will offer observations on the first half and the remainder of 2022. Starting with loan growth, the first half has brought solid increases throughout the bank. We anticipate additional growth, but likely at a more moderate pace for the balance of the year. The focus on expense control plus the benefit of higher rates has benefited profitability and we anticipate further improvement in the second half of 2022. Importantly, the balance sheet continues to reflect good liquidity, asset quality, and capital levels. We remain focused on core deposits as our primary funding source, and this has contributed to our first-half success. I will now turn the call over to Kevin.