Andres Viroslav | Director, IR |
Damian Kozlowski | CEO, President & Director |
Paul Frenkiel | EVP, Strategy, Secretary, CFO & Principal Accounting Officer |
Michael Perito | KBW |
Frank Schiraldi | Piper Sandler & Co. |
Good day, and welcome to the Bancorp, Inc.'s Third Quarter 2022 Earnings Conference Call. [Operator Instructions]. Please note today's event is being recorded. I would now like to turn the conference over to Andres Viroslav, investor Relations. Please go ahead.