Stellar Bancorp, Inc.

The conference will begin shortly. To raise and lower your hand during Q&A, you can dial star 1 1.

Good day and thank you for standing by. Welcome to the Stellar Bank Corp Inc. 4th Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during this session, you will need to press star 1-1 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 1-1 again. Please be advised today's conference is being recorded. I would now like to hand the conference over to your speaker today, Courtney Cherio, Chief Accounting Officer. Please go ahead.

Good morning, and thank you to all who have joined our call today. We would like to welcome you to our earnings call for the fourth quarter of 2022. This morning's earnings call will be led by Stellar's CEO, Bob Franklin, and CFO, Paul Egge. Also in attendance today are Steve Retzlaff, Executive Chairman of the company, Ray Vitulli, President of the company and CEO of the bank, and Joe West, Senior Executive Vice President and Chief Credit Officer of the bank. Before we begin, I need to remind everyone that some of the remarks made today constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend all such statements to be covered by the safe harbor provisions for forward-looking statements contained in the act. Also note that if we give guidance about future results, that guidance is only a reflection of management's beliefs at the time the statement is made, and such beliefs are subject to change. We disclaim any obligation to publicly update any forward-looking statement, except as may be required by law. Please see the last page of the text in this morning's earnings release, which is available on our website at ir.stellerbankorpinc.com. for additional information about the risk factors associated with forward-looking statements. At the conclusion of our remarks, we will open the line and allow time for questions. I will now turn the call over to our CEO, Bob Franklin.