Q4 2021 National Bank Holdings Corp Earnings Call Transcript
Good morning, everyone, and welcome to the National Bank Holdings Corporation 2021 Fourth Quarter Earnings Call. My name is April, and I will be your conference operator for today. (Operator Instructions) As a reminder, this call is being recorded for replay purposes. I would now like to remind you that this conference call will contain forward-looking statements, including, but not limited to the statements regarding the company's strategy, loans, deposits, capital, net interest income, noninterest income, margins, allowance, taxes and noninterest expenses.
Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks, uncertainties and other factors, which are disclosed in more detail in the company's most recent filings with the U.S. Securities and Exchange Commission. These statements speak only as of the date of this call, and National Bank Holdings Corporation undertakes no obligation to update or revise these statements.
In addition, the call today will reference certain non-GAAP measures, which National Bank Holdings
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