 CullenFrost Bankers, Inc. CFR Q3 2022 Earnings Conference Call October 27, 2022 2:00 PM ET Company Participants A.B. Mendez Senior Vice President and Director-Investor Relations Phil Green Chairman and Chief Executive Officer Jerry Salinas Group Executive Vice President and Chief Financial Officer Conference Call Participants Steven Alexopoulos JPMorgan Dave Rochester Compass Point John Pancari Evercore ISI Brady Gailey KBW Jennifer Demba Truist Securities Ebrahim Poonawala Bank of America Operator Greetings. 