|Randy Newman||Chairman, President and CEO|
|Ryan Goldberg||Chief Revenue Officer|
|Karin Taylor||Chief Risk Officer|
|Jeff Rulis||DA Davidson|
|Nathan Race||Piper Sandler|
Good morning, and welcome to the Alerus Financial Corporation Earnings Conference Call. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. Please note 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 forward-looking statements are listed in the earnings release and the company's SEC filings.