 CVB Financial Corp. NASDAQ:CVBF Q3 2022 Earnings Conference Call October 20, 2022 10:30 AM ET Company Participants Dave Brager President and Chief Executive Officer Allen Nicholson Executive Vice President and Chief Financial Officer Conference Call Participants Kelly Motta KBW David Feaster Raymond James Tim Coffey Janney Montgomery Adam Butler Piper Sandler Operator Good morning, ladies and gentlemen, and welcome to the Third Quarter of 2022 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call. My name is Sawada, and I am your operator for today. 