CrossFirst Bankshares, Inc. (NASDAQ:CFB) Q4 2022 Earnings Conference Call January 24, 2023 11:00 AM ET

Company Participants

Mike Maddox - President and CEO

Ben Clouse - CFO

Randy Rapp - President

Heather Worley - Director, IR

Conference Call Participants

Brady Gailey - KBW

Andrew Liesch - Piper Sandler

Matt Olney - Stephens

Michael Rose - Raymond James

Operator

Good morning and welcome to the CrossFirst Bankshares' Fourth Quarter and Full Year 2022 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. [Operator Instructions]. Please note this event is being recorded.

I would now like to turn the conference over to Heather Worley. Please go ahead.

Heather Worley

Good morning, and welcome to CrossFirst Bankshares fourth quarter and full year 2022 earnings conference call. I’m Heather Worley, Managing Director, Investor Relations.

Before we begin, please be aware this call will include forward-looking statements, including statements about our business plans, the impact of the acquisition of Central, expansion in growth opportunities and our future financial performance. These comments are based on our current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially from these statements. Our forward-looking statements are as of the date of this call, and we do not assume any obligation to update or revise them, except as required by law. Statements made on this call should be considered together with the risk factors identified in today's earnings release and our other filings with the SEC.

We may also refer to adjusted or non-GAAP financial measures. A reconciliation of non-GAAP financial measures to GAAP financial measures can be found in our earnings release. These non-GAAP financial measures are not meant to be a substitute for or superior to financial measures prepared in accordance with GAAP.

This presentation will include remarks regarding the fourth quarter and full year results from Mike Maddox, President and CEO of CrossFirst Bankshares; Randy Rapp, President of CrossFirst Bank; and Ben Clouse, CFO of CrossFirst Bankshares. At the conclusion of our prepared remarks, our operator Andrea will facilitate a Q&A session.

At this time, I would like to turn the call over to Mike, who will begin on Slide 4 of the presentation. Mike?

Mike Maddox

Thank you, Heather. Good morning, everyone, and thank you for joining us to discuss CrossFirst fourth quarter and full year 2022 operating results. 2022 was our best year on record by a number of different measures. As we turn to 2023, we are well positioned to build on our success and optimize our investments that we've made in 2022 that will shape our future growth and expansion.