Axos Financial, Inc. (NYSE:AX) Q1 2023 Earnings Conference Call October 27, 2022 5:00 PM ET

Company Participants

Johnny Lai - Corporate Development & Investor Relations

Greg Garrabrants - President & Chief Executive Officer

Derrick Walsh - Executive Vice President & Chief Financial Officer

Andy Micheletti - Executive Vice President of Finance

Conference Call Participants

Gary Tenner - D.A. Davidson

Andrew Liesch - Piper Sandler

David Feaster - Raymond James

Michael Perito - KBW

Edward Hemmelgarn - Shaker Investments

Operator

Greetings. Welcome to the Axos Financial, Inc. Q1 2023 Earnings Call. [Operator Instructions] Please note, this conference is being recorded.

I will now turn the conference over to Johnny Lai. You may begin.

Johnny Lai

Thank you and good afternoon, everyone. Thanks for your interest in Axos. Joining us today for Axos Financial, Inc.'s first quarter 2023 financial results conference call are the company's President and Chief Executive Officer, Greg Garrabrants; and Executive Vice President, Chief Financial Officer; Derek Walsh; and Executive Vice President of Finance, Andy Nicoletti. Greg and Derek will review and comment on the financial and operational results for the 3 months ended September 30, 2022, and we will be available to answer questions after the prepared remarks.

Before I begin, I would like to remind listeners that prepared remarks made on this call may contain forward-looking statements that are subject to risks and uncertainties, and that management may make additional forward-looking statements in response to your questions. These forward-looking statements are made on the basis of current views and assumptions of management regarding future events and performance. Actual results could differ materially from those expressed or implied in such forward-looking statements as a result of risks and uncertainties. Therefore, the company claims the safe harbor protection pertaining to forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. This call is being webcast, and there will be an audio replay available in the Investor Relations section of the company's website located at axosfinancial.com for 30 days. Details for this call were provided on the conference call announcement and in today's earnings press release. Before handing over the call to Greg, I'd like to remind our listeners that in addition to the earnings press release, we also issued an earnings supplement for this call. All of these documents can be found on Axos Financial website.

With that, I'd like to turn the call over to Greg.