Stellar Bancorp, Inc. (NYSE:STEL) Q4 2022 Earnings Conference Call January 27, 2023 9:00 AM ET
Company Participants
Courtney Theriot - Chief Accounting Officer of Stellar Bank
Robert Franklin - Chief Executive Officer
Steve Retzloff - Executive Chairman
Ray Vitulli - President of the Company and CEO of Stellar Bank
Paul Egge - Senior Executive Vice President and CFO
Joe West - Senior Executive Vice President and Chief Executive Credit Officer of Stellar Bank
Conference Call Participants
David Feaster - Raymond James
Brad Milsaps - Piper Sandler
Matt Olney - Stephens
Will Jones - KBW
Operator
Good day and thank you for standing by. Welcome to the Stellar Bancorp Inc. Fourth Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question and answer session. [Operator Instructions] Please be advised today’s conference is being recorded.
I would now like to hand the conference over to your speaker today to Courtney Theriot, Chief Accounting Officer of Stellar Bank. Please go ahead.
Courtney Theriot
Good morning and thank you to all who have joined our call today. We would like to welcome you to our earnings call for the fourth quarter of 2022. This morning’s earnings call will be led by Stellar’s CEO Bob Franklin and CFO Paul Egge.
Also in attendance today are Steve Retzloff, Executive Chairman of the company; Ray Vitulli, President of the company and CEO of the Bank and Joe West, Senior Executive Vice President and Chief Executive Credit Officer of the Bank.
Before we begin, I need to remind everyone that some of the remarks made today constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend all such statements to be covered by the Safe Harbor provisions for forward-looking statements contained in the act. Also note that if we give guidance about future results, that guidance is only a reflection of management’s beliefs at the time the statement is made and such beliefs are subject to change. We disclaim any obligation to publicly update any forward-looking statements, except as maybe required by law. Please see the last page of the text in this morning’s earnings release, which is available on our website at ir.stellarbancorpinc.com for additional information about the risk factors associated with forward-looking statements. At the conclusion of our remarks, we will open the line and allow time for questions.