Banner Corporation

Welcome to Banner Corporation's first quarter 2024 conference call and webcast. My name is Lydia and I'll be your operator today. If you'd like to ask a question after the prepared remarks, you can do so by pressing star followed by one on your telephone keypad. I'll now hand you over to Mark Greskovich, President and CEO, to begin. Please go ahead.

Thank you, Lydia, and good morning, everyone. I would also like to welcome you to the first quarter of 2024 earnings call for Banner Corporation. Joining me on the call today is Rob Butterfield, Banner Corporation Chief Financial Officer, Jill Rice, our Chief Credit Officer, and Rich Arnold, our Head of Investor Relations. Rich, would you please read our forward-looking safe harbor statement?

Sure, Mark. Good morning. Our presentation today discusses Banner'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 Banner's general outlook for economic and other conditions. We also may make other forward-looking statements in the question and answer period following management's discussion. 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 are available from the earnings press release that was released yesterday and a recently filed Form 10-K for the year ended December 31st, 2023. Forward-looking statements are effective only as of the day they are made and Banner assumes no obligation to update information concerning its expectations. Mark?