 Wintrust Financial Corporation NASDAQ:WTFC Q4 2022 Earnings Conference Call January 19, 2023 11:00 AM ET Company Participants Edward Wehmer - Founder and CEO Tim Crane - President David Dykstra - Vice Chairman and COO Richard Murphy - Vice Chairman and CLO Dave Stoehr - Chief Financial Officer Kate Boege - General Counsel Conference Call Participants Jon Arfstrom - RBC Capital Markets David Long - Raymond James Chris McGratty - KBW Terry McEvoy - Stephens Ben Gerlinger - Hovde Group Brandon King - Truist Jeff Rulis - D.A. Davidson Operator Welcome to Wintrust Financial Corporations Fourth Quarter and Full Year 2022 Earnings Conference Call. 