UMB Financial Corporation (NASDAQ:UMBF) Q4 2021 Earnings Conference Call January 26, 2022 9:30 AM ET
Company Participants
Kay Gregory - Investor Relations
Mariner Kemper - President and Chief Executive Officer
Ram Shankar - Chief Financial Officer
James Rine - Chief Executive Officer, UMB Bank
Conference Call Participants
Jared Shaw - Wells Fargo Securities
Nathan Race - Piper Sandler
Chris McGratty - KBW
Disclaimer*: This transcript is designed to be used alongside the freely available audio recording on this page. Timestamps within the transcript are designed to help you navigate the audio should the corresponding text be unclear. The machine-assisted output provided is partly edited and is designed as a guide.
Operator
00:02 Good morning and welcome to the UMB Financial Fourth Quarter 2021 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded.
00:35 I would now like to turn the conference over to Kay Gregory of Investor Relations. Please go ahead.
Kay Gregory
00:43 Good morning and welcome to our fourth quarter and full-year 2021 call. Mariner Kemper, President and CEO; and Ram Shankar, CFO, will share a few comments about our results. And Jim Rine, CEO of UMB Bank; and Tom Terry, Chief Credit Officer, will be available for the question-and-answer session.
01:01 Before we begin, let me remind you that today's presentation contains forward-looking statements, which are subject to assumptions, risks, and uncertainties. These risks are included in our SEC filings and are summarized on Slide 42 of our presentation. Actual results may differ from those set forth in forward-looking statement, which speak only as of today.
01:23 We undertake no obligation to update them except to the extent required by securities laws. All earnings per share metrics discussed on this call are on a diluted share basis. Our
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