 Bank OZK NASDAQ:OZK Q4 2022 Earnings Conference Call January 20, 2023 11:00 AM ET Company Participants Jay Staley - Investor Relations George Gleason - Chairman and Chief Executive Officer Brandon Hamlin - President Tim Hicks - Chief Financial Officer Cindy Wolfe - Chief Operating Officer Conference Call Participants Steph Scouten - Piper Sandler Manan Gosalia - Morgan Stanley Timur Braziler - Wells Fargo Catherine Mealor - KBW Matt Olney - Stephens Jennifer Demba - Truist Michael Rose - Raymond James Brian Martin - Janney Montgomery Operator Good day and thank you for standing by. Welcome to the Bank OZK Fourth Quarter 2022 Earnings Conference Call. 