 First Citizens BancShares, Inc. NASDAQ:FCNCA Q3 2022 Earnings Conference Call October 27, 2022 8:30 AM ET Company Participants Deanna Hart Senior Vice President-Investor Relations Frank Holding Chairman and Chief Executive Officer Craig Nix Chief Financial Officer Tom Eklund Treasurer Marisa Harney Chief Credit Officer Conference Call Participants Brady Gailey KBW Stephen Scouten Piper Sandler Brian Foran Autonomous Christopher Marinac Janney Operator Ladies and gentlemen, thank you for standing by, and welcome to the First Citizens BancShares Third Quarter 2022 Earnings Conference Call. At this time, all participants are in listen-only mode. 