Q4 2021 Hilltop Holdings Inc Earnings Call Transcript
Good morning. My name is Candice, and I will be your conference operator today. At this time, I would like to welcome everyone to the Hilltop Holdings Fourth Quarter 2021 Earnings Conference Call. (Operator Instructions) I would now like to hand the conference over to Erik Yohe. Erik, you may begin.
Thank you. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, allowance for credit losses, the impact and potential impacts of COVID-19 or disruptions in the global or national supply chains, stock repurchases and dividends, and impacts of interest rate changes as well as such other items referenced in the process of our presentation are forward-looking statements.
These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and
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