Q4 2022 First National Financial Corp Earnings Call Transcript
Good morning, ladies and gentlemen, and welcome to First National's Fourth Quarter Analyst Call. (Operator Instructions). Now it's my pleasure to turn the call over to Jason Ellis, President and Chief Executive Officer of First National. Please go ahead, sir.
Welcome to our call, and thank you for participating. Rob Inglis, our Chief Financial Officer, joined me and will provide his commentary shortly. Before we begin, I will remind you that our remarks and answers may contain forward-looking information about future events or company's future performance. This information is subject to risks and uncertainties and should be considered in conjunction with the risk factors detailed in our MD&A. I'll start today with our expectations, and we expect mortgages under administration to grow in 2023 despite lower demand for credit to start the year. That expectation is based on 3 main assumptions: First, although we will experience a reduction in new originations in the first half of
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