 Northeast Bank NASDAQ:NBN Q4 2022 Earnings Conference Call July 26, 2022 10:00 AM ET Company Participants Rick Wayne - President and Chief Executive Officer Jean-Pierre Lapointe - Chief Financial Officer Pat Dignan - Executive Vice President and Chief Credit Officer Conference Call Participants Alexander Twerdahl - Piper Sandler Operator Welcome to the Northeast Bank Fourth Quarter Fiscal Year 2022 Earnings Call. My name is Jenny. 