Q4 2022 First Merchants Corp Earnings Call Transcript
Good day, and thank you for standing by. Welcome to the First Merchants Corporation Fourth Quarter Earnings Conference Call. (Operator Instructions) Please be advised that this conference call is being recorded.
Before we begin, management would like to remind you that today's call contains forward-looking statements with respect to the future performance and financial condition of First Merchants Corporation that involve risks and uncertainties. Further information is contained within the press release, which we encourage you to review.
Additionally, management may refer to non-GAAP measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures. The press release available on the website contains financial and other quantitative information to be discussed today as well as reconciliation of GAAP to non-GAAP measures.
I would now like to turn the call over to Mark Hardwick, CEO. Please go ahead.
Well, Good morning, and
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