Axos Financial, Inc. (NYSE:AX) Q3 2022 Earnings Conference Call April 28, 2022 5:00 PM ET

Company Participants

Johnny Lai – Senior Vice President-Corporate Development and Investor Relations

Greg Garrabrants – President and Chief Executive Officer

Derrick Walsh – Executive Vice President and Chief Financial Officer

Andy Micheletti – Executive Vice President-Finance

Conference Call Participants

David Feaster – Raymond James

Andrew Liesch – Piper Sandler

Gary Tanner – D.A. Davidson

Edward Hemmelgarn – Shaker Investments

Michael Perito – KBW

Operator

Greetings. Welcome to the Axos Financial, Inc. Q3 2022 earnings call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator instructions] Please note this conference is being recorded.

I will now turn the conference over to your host Senior Vice President of Corporate Development and Investor Relations, Johnny Lai. You may begin.

Johnny Lai

Thanks, Kyle. Good afternoon, everyone, and thanks for your interest in Axos. Joining us today for Axos Financial, Inc’s third quarter 2022 financial results conference call are the company's President and Chief Executive Officer, Greg Garrabrants; and Executive Vice President and Chief Financial Officer, Derrick Walsh; and Executive Vice President of Finance, Andy Micheletti. Greg and Derrick will review and comment on the financial and operational results for the three and nine months ended March 31, 2022, and they 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. All of these documents can be found on the Axos Financial website.

With that, I would like to turn the call over to Greg for his opening remarks.