Q4 2022 Hilltop Holdings Inc Earnings Call Transcript
Hi, everyone, and welcome to the Hilltop Holdings Fourth Quarter 2022 Earnings Conference Call and Webcast. My name is Bruno, and I will be the operator of your call today. (Operator Instructions) I will now hand over to your host, Erik Yohe. Please go ahead.
Thank you, Bruno. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, allowance for credit losses, the impact and potential impacts of inflation, stock repurchases and dividends and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation, are forward-looking statements. These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties.
Our actual results, capital, liquidity and financial condition may differ
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