BankFinancial Corporation

Good day, and thank you for standing by, and welcome to Bank Financial Corporation 2023 Q2 Earnings Conference Call. At this time, our participants are in a listen-only mode. After the speaker's presentation, there'll be a question and answer session. To ask a question during the session, you'll need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. I'd now like to introduce your host for today's call, Chairman and CEO F. Morgan Geyser. Please go ahead.

Good morning, and welcome to the second quarter 2023 Investor Conference call. At this time, I'd like to have our forward-looking statement read.

The remarks made at this conference may include forward-looking statements within a meaning of Section 21E of the Securities Exchange Act of 1934. We attend all forward-looking statements to be covered by the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995 and are including this statement for purposes of invoking these safe harbor provisions. Forward-looking statements involve significant risks and uncertainties and are based on assumptions that may or may not occur. They are often identifiable by the use of the words believe, expect, intend, anticipate, estimate, project, plan, or similar expressions. Our ability to predict these results or the actual effects of our plans and strategies is inherently uncertain and actual results may differ from those predicted. For further details on the risks and uncertainties that could impact our financial conditions and results of operation, please consult the forward-looking statements declaration and the risk factors we have included in our reports to the SEC. These risks and uncertainties should be considered in evaluating forward-looking statements. We do not undertake any obligation to update any forward-looking statement in the future. And now I'll turn the call over to Chairman and CEO, Mr. F. Morgan Geyser.