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.