Lynn Harton | Chairman and CEO |
Jefferson Harralson | CFO |
Rich Bradshaw | President and CBO |
Rob Edwards | CRO |
Catherine Mealor | KBW |
Stephen Scouten | Piper Sandler Companies |
Brandon King | Truist |
Michael Rose | Raymond James |
Kevin Fitzsimmons | D.A. Davidson |
David Bishop | The Hovde Group |
Russell Gunther | Stephens |
Christopher Marinac | Janney |
Good morning and welcome to the United Community Banks Second Quarter 2023 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, pre-tax, pre-credit 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.
Copies of the second quarter's earnings release and investor presentation were filed last night on Form 8-K with the SEC, and a replay of this call will be available in the Investor Relations section of the company's website at ucbi.com.