 Independent Bank Corporation NASDAQ:IBCP Q3 2022 Earnings Conference Call October 25, 2022 11:00 AM ET Company Participants William Kessel - President and Chief Executive Officer Joel Rahn - Executive Vice President and Head of Commercial Banking Gavin Mohr - Executive Vice President and Chief Financial Officer Conference Call Participants Erik Zwick - Hovde Group Operator Hello, and welcome to todays call. My name is Candice, and I will be your moderator. 