 UMB Financial Corporation NASDAQ:UMBF Q1 2022 Results Conference Call April 26, 2022 9:30 AM ET Company Participants Kay Gregory - IR Mariner Kemper - President and CEO Ram Shankar - CFO Jim Rine - CEO, UMB Bank Tom Terry - Chief Credit Officer Conference Call Participants Timur Braziler - Wells Fargo Nathan Race - Piper Sandler Chris McGratty - KBW David Long - Raymond James Operator Hello and welcome to todays UMB Financial First Quarter 2022 Financial Results Conference Call. My name is Elliot and I will be coordinating your call today. 