 CullenFrost Bankers, Inc. CFR Q1 2022 Earnings Conference Call April 28, 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 Michael Rose - Raymond James Brady Gailey - KBW Ebrahim Poonawala - Bank of America Jennifer Demba - Truist Securities Steven Alexopoulos - JPMorgan Jon Arfstrom - RBC Capital Markets Bill Carcache - Wolfe Research Dave Rochester - Compass Point Peter Winter - Wedbush Securities Operator Greetings and welcome to the CullenFrost Bankers First Quarter 2022 Earnings Conference Call. 