Will Matthews: Good morning, and welcome to SouthState's fourth quarter 2022 earnings call. This is Will Matthews, and I am here with John Corbett, Steve Young and Jeremy Lucas. John and I will make a few prepared remarks and then we'll open it up for questions. As always, a copy of the earnings release and the presentation slides are located on our website on the Investor Relations tab. Before we begin our remarks, I want to remind you that comments we make may include forward-looking statements within the meaning of the federal securities laws and regulations. Any such forward-looking statements we may make are subject to the Safe Harbor rules. Please review the forward-looking disclaimer and Safe Harbor language in the press release and presentation for more information about our forward-looking statements and risks and uncertainties, which may affect us. Now I will turn the call over to John Corbett, our CEO.