Lynn Harton | Chairman & Chief Executive Officer |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | President & Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Jennifer Demba | Truist Securities |
Kevin Fitzsimmons | D. A. Davidson |
Brody Preston | Stephens Incorporated |
Christopher Marinac | Janney Montgomery |
Michael Rose | Raymond James |
Brad Milsaps | Piper Sandler |
Stuart Lotz | KBW |
Good morning, and welcome to United Community Bank's Fourth Quarter 2021 Earnings Call. Hosting the call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards. United's presentation today includes references to operating earnings, pretax, precredit earnings and other non-GAAP financial information.
For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the Financial Highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com.