|Randy Newman||Chairman, President and CEO|
|Karin Taylor||EVP and Chief Risk Officer|
|Jeff Rulis||D.A. Davidson|
|Bob Shone||Piper Sandler|
|William Wallace||Raymond James|
Good morning, and welcome to the Alerus Financial Corporation Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note that this event is being recorded.
This call may include forward-looking statements, and the company's actual results may differ materially from those indicated in any forward-looking statements. Important factors that could cause actual results to differ materially from those indicated in the forward-looking statements are listed in the earnings release and the company's SEC filings.