 Heritage Financial Corporation NASDAQ:HFWA Q3 2022 Earnings Conference Call October 20, 2022 1:00 PM ET Company Participants Jeff Deuel - CEO Donald Hinson - CFO Tony Chalfant - Chief Credit Officer Bryan McDonald - President and COO Conference Call Participants Eric Spector - Raymond James Jeff Rulis - DA Davidson Eleanor Hagan - KBW Operator Good morning. Thank you for attending todays Heritage Financial Corporation Q3 2022 Earnings Call. 