Matthew Clark - Piper Sandler Chris McGratty - KBW Gary Tenner - D.A. Davidson Andrew Terrell - Stephens Steven Gardner Our strong capital levels provide us with significant optionality and flexibility in terms of balance sheet management. Our performance in this environment demonstrates the resiliency of our relationship-based commercial banking business model. Our bankers develop and maintain high-quality, long-tenured client relationships based on a relentless commitment to provide best-in-class service. ...