Bank OZK (NASDAQ:OZK) Q3 2020 Earnings Conference Call - Final Transcript

Oct 23, 2020 • 11:00 am ET


Bank OZK (NASDAQ:OZK) Q3 2020 Earnings Conference Call - Final Transcript


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Ladies and gentlemen, thank you for standing by and welcome to the Bank OZK Third Quarter 2020 Earnings Conference Call. [Operator Instructions]

It is now my pleasure to introduce Tim Hicks.

Tim Hicks

Good morning. I am Tim Hicks, Chief Administrative Officer and Executive Director of Investor Relations for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. In today's Q&A session, we may make forward-looking statements about our expectations, estimates and outlook for the future. Please refer to our earnings release, management comments and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements. Joining me on the call to take your questions are, George Gleason, Chairman and CEO; Greg McKinney, Chief Financial Officer; and Brannon Hamblen, President and COO of our Real Estate Specialties Group.

To make the most efficient use of the time we have for this call, we'd ask that you please limit your questions to one or two at a time and then re-enter the queue for any follow-up questions if needed. We will now open up the lines for your questions. Let me ask our operator Andrew to remind our listeners how to queue in for questions.