 QCR Holdings, Inc. NASDAQ:ABCB Q3 2022 Earnings Conference Call October 28, 2022 9:00 AM ET Company Participants Palmer Proctor - CEO Nicole Stokes - CFO Jon Edwards - Chief Credit Officer Conference Call Participants Kevin Fitzsimmons - D.A. Davidson Companies Brady Gailey - KBW Jennifer Demba - Truist Securities David Feaster - Raymond James Christopher Marinac - Janney Montgomery Scott Operator Hello, everyone, and thank you for joining the Ameris Bancorp Third Quarter 2022 Conference Call. 