Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings Second Quarter Earnings Conference Call. At this time, all participants are in listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder, today's conference is being recorded. I would now like to turn the conference over to our host, Mr. Craig Blunden. Please go ahead, sir.

Thank you. Good morning, everyone. This is Craig Blunden, Chairman and CEO of Provident Financial Holdings. And on the call with me is Donavon Ternes, our President, Chief Operating and Chief Financial Officer. Before we begin, I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company's general outlook for economic and business conditions. We also may make forward-looking statements during the question-and-answer period following management's presentation. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the Risk Factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed last Friday, from the Annual Report on Form 10-K for the year ended June 30, 2022, and from the Form 10-Qs and other SEC filings that were filed subsequent to the Form 10-K. Forward-looking statements are effective only as of the date they are made, and the company assumes no obligation to update this information. To begin with, thank you for participating in our call. I hope that each of you has had an opportunity to review our earnings release which describes our second quarter results. In the most recent quarter, we originated $74.3 million of loans held for investment, declined from $84.6 million in the prior sequential quarter. During the most recent quarter, we also experienced $28 million of loan principal payoffs and payments, which is down from the $31.7 million in the September 2022 quarter and at the lower end of the quarterly range. Currently, competition…

[Operator Instructions] At this time, it does appear there are no questions from the phone lines.

All right. Thank you. Well, we look forward to talking with everybody again next quarter. At our investor conference call. Thank you.

And ladies and gentlemen, today's conference will be available for replay after 11:00 a.m. Pacific today through February 6. You may access the AT&T replay system at any time by dialing 1866-207-1041 entering the access code 2446007. International participants may dial 402-970-0847. And those numbers again are 1866-207-1041 and 402-970-0847, again, entering the access code 2446007. That does conclude your conference for today. Thank you for your participation and for using AT&T Teleconference Services. You may now disconnect. End of Q&A: