|Katie Lorenson||Chairman, President & CEO|
|Karin Taylor||Chief Risk Officer|
|Jeff Rulis||D.A. Davidson|
|Nathan Race||Piper Sandler|
Good morning, and welcome to the Alerus Financial Corporation Earnings Conference Call. All participants will be in listen-only mode. [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.