SB Financial Group(SBFG) - 2022 Q4 - Earnings Call Transcript

Thank you. Good morning, everyone. I'd like to remind you that this conference call is being broadcast live over the Internet, and will be archived and available on our website at ir.yourstatebank.com. Joining me today are Mark Klein, Chairman, President and CEO; and Tony Cosentino, Chief Financial Officer. Asset quality metrics remain strong with NPAs at just 38 basis point. And for the second consecutive year, we reported net recoveries on loans. As a result of our quarterly and annual loan growth, our lo ...