Renasant Corporation

Good morning and welcome to the Renaissance Corporation 2023 First Quarter Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal 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 touch-tone phone. To withdraw from the question queue, please press star then two. Please note this event is being recorded. I'd like to turn the call over to Kelly Hutchinson, Chief Accounting Officer. Please go ahead.

Good morning, and thank you for joining us for Renasant Corporation's quarterly 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. Such factors include, but are not limited to, changes in the mix and cost of our funding sources, 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 and your interest in Renasant. Before Kevin and Jim discuss the results for the first quarter, I would like to reflect on the environment and the outlook for the balance of the year. The baseline of all decision making at Renasant Bank is the safe and sound operation of our institution. Only after that box is checked do we turn to considerations of profitability and growth in that order. Recent events in the banking industry reinforced how essential it is that we continue to approach our operations in this manner. Although sometimes this approach can weigh on your term profitability, I believe it helps insulate the company and our shareholders from adversity. We are not immune from our industry pressures, but I believe Renasant is well situated to serve our customers and produce attractive results for shareholders. While the economic outlook is unclear, Renasant has granular core funding, a diverse loan portfolio, and strong capital base. Our goal is to further build upon these balance sheet strengths and to continue pursuing profitability improvement. We have reduced costs in recent periods, but believe there is more to accomplish. There are also ways for us to enhance revenue growth and our efforts to increase operating leverage. We look forward to the rest of the year, and now I will turn the call over to Kevin.