 OceanFirst Financial Corp. NASDAQ:OCFC Q4 2022 Earnings Conference Call January 20, 2023 11:00 AM ET Company Participants Jill Hewitt - SVP and Investor Relations Christopher Maher - Chairman and Chief Executive Officer Joe Lebel - President and Chief Operating Officer Pat Barrett - Executive Vice President and Chief Financial Officer Conference Call Participants Frank Schiraldi - Piper Sandler Daniel Tamayo - Raymond James Michael Perito - KBW David Bishop - Hovde Group Christopher Marinac - Janney Montgomery Scott Manuel Navas - DA Davidson Matthew Breese - Stephens Inc. Operator Hello everyone, and welcome to the OceanFirst Financial Corp. Earnings Conference Call. My name is Daisy, and I will be coordinating your call today. 