Triumph Financial, Inc.

Good morning. Welcome to the Triumph Bancorp conference call to discuss our second quarter 2022 financial results. Before we get started, I would like to remind you that this call may include forward-looking statements. Good morning. Welcome to the Triumph Bancorp conference call to discuss our second quarter 2022 financial results. Before we get started, I would like to remind you that this call may include forward-looking statements. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to publicly revise any forward-looking statement. For details, please refer to the Safe Harbor Statement in our shareholder letter and earnings release published last evening. All comments made during today's call are subject to that Safe Harbor Statement. I'm joined this morning by Triumph's Vice Chairman and CEO, Aaron Graff, our Chief Financial Officer, Brad Voss, Todd Ritterbush, President of TBK Bank, Jeff Brenner, our CEO of Triumph Business Capital, and Melissa Foreman, our President of Triumph Pay. With that housekeeping out of the way, I'd like to turn the call over to Aaron.

Good morning, everyone. We hope that the shareholder letter we published last evening was helpful for you in preparing for this call. At this time, we're ready to open the call up for any questions.

All right, if you have any questions, feel free to use the raise hand feature and activate your camera. Our first question comes from Michael Rose from Raymond James. Michael, feel free to ask your question.