 Northeast Bank NASDAQ:NBN Q1 2023 Earnings Conference Call November 1, 2022 10:00 AM ET Company Participants Rick Wayne - President CEO Jean-Pierre Lapointe - CFO Pat Dignan - EVP Chief Credit Officer Conference Call Participants Alexander Twerdahl - Piper Sandler Operator Welcome to the Northeast Bank First Quarter Fiscal Year 2023 Earnings Call. My name is Shannon, and I will be your operator for todays call. 