Live Oak Bancshares, Inc. (LOB) Q3 2022 Earnings Call Transcript

Live Oak Bancshares, Inc. (NYSE:LOB) Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET

Company Participants

Greg Seward - Chief Risk Officer and General Counsel
James Mahan - Chairman and Chief Executive Officer
William Losch - Chief Financial Officer
Huntley Garriott - President
Neil Lawrence - President & Director

Conference Call Participants

Steven Alexopoulos - JPMorgan
Crispin Love - Piper Sandler
Michael Perito - KBW

Operator

Thank you for standing by, and welcome to Live Oak Bancshares Third Quarter 2022 Earnings Conference Call. [Operator Instructions]

I would now like to hand the conference over to General Counsel and Chief Risk Officer at Live Oak Bank, Greg Seward.

Greg Seward

Thank you, and good morning, everyone. Welcome to Live Oak's Third Quarter 2022 Earnings Conference Call. We are webcasting live over the Internet, and this call is being recorded. To access the call over the Internet and review the presentation materials that we will reference on the call, please visit our website at investor.liveoakbank.com and go to today's call on our event calendar for supporting materials. Our third quarter earnings release is also available on our website.

Before we get started, I would like to caution you that we may make forward-looking statements during today's call that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from our expectations are detailed in the materials accompanying this call and in our SEC filings. We do not undertake to update the forward-looking statements to reflect the impact of circumstances or events that may arise after the date of today's call. Information about any non-GAAP financial measures referenced, including reconciliation of those measures to GAAP measures, can also be found in our SEC filings and in the presentation materials.

I will now turn the call over