 Southern Missouri Bancorp, Inc. NASDAQ:SMBC Q4 2022 Earnings Conference Call July 26, 2022 10:30 AM ET Company Participants Lora Daves - CFO Matt Funke - President and Chief Administrative Officer Greg Steffens - President and CEO Conference Call Participants Andrew Liesch - Piper Sandler Kelly Motta - KBW Operator Good morning or good afternoon all and welcome to the Southern Missouri Bancorp Quarterly Earnings Conference Call. My name is Adam and I will be your operator today. 