 Banner Corporation NASDAQ:BANR Q4 2022 Earnings Conference Call January 20, 2023 11:00 AM ET Company Participants Mark Grescovich - President and Chief Executive Officer Rich Arnold - Head of Investor Relations Jill Rice - Chief Credit Officer Peter Conner - Chief Financial Officer Conference Call Participants Jeff Rulis - D.A. Davidson David Feaster - Raymond James Andrew Liesch - Piper Sandler Andrew Terrell - Stephens Kelly Motta - KBW Tim Coffey - Janney Montgomery Scott Operator Hello, everyone, and welcome to todays conference, Banner Corporation Fourth Quarter 2022 Conference Call and Webcast. 