 Stellar Bancorp, Inc. NASDAQ:STEL Q3 2022 Earnings Conference Call October 28, 2022 9:00 AM ET Company Participants Courtney Theriot - Chief Accounting Officer of Stellar Bank Robert Franklin - Chief Executive Officer Steve Retzloff - Executive Chairman Ray Vitulli - President of the Company and CEO of Stellar Bank Paul Egge - Senior Executive Vice President and CFO Joe West - Senior Executive Vice President and Chief Executive Credit Officer of Stellar Bank Conference Call Participants David Feaster - Raymond James Matt Olney - Stephens Inc. Will Jones - KBW Brad Milsaps - Piper Sandler Operator Good day, and thank you for standing by. Welcome to the Stellar Bancorp Inc. Third Quarter 2022 Earnings Conference Call. 