Sal DiMartino | Investor Relations & Strategic Planning |
Thomas Cangemi | President & Chief Executive Officer |
John Pinto | Chief Financial Officer |
Lee Smith | President of Mortgage |
Ebrahim Poonawala | Bank of America |
Mark Fitzgibbon | Piper Sandler |
Dave Rochester | Compass Point |
Brody Preston | UBS |
Manan Gosalia | Morgan Stanley |
Steven Alexopoulos | JPMorgan |
Chris McGratty | KBW |
Peter Winter | D.A. Davidson |
Matthew Breese | Stephens |
Christopher Marinac | Janney |
Good morning, everyone. This is Sal DiMartino. Thank you for joining the management team of New York Community for today's conference call. We apologize for the long wait time for the call, but we were having technical issues with our vendor. Today's discussion of the company's 2022 results will be led by President and CEO, Thomas Cangemi, along with the company's Chief Financial Officer, John Pinto; and Lee Smith, President of Mortgage.