Brookline Bancorp, Inc.

2023 Earnings Conference Call. All participants will be in listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded. I'd now like to turn the conference over to Brookline Bancorp's attorney, Laura Vaughan. Please go ahead.

Thank you, Alex, and good afternoon, everyone. Yesterday, we issued our earnings release and presentation, which is available on the Investor Relations page of our website, BrooklynBainCorp.com, and has been filed with the SEC. We will not be doing a slide set this quarter. This afternoon's call will be hosted by Paul A. Pearl and Carl M. Carlson. This call may contain forward-looking statements with respect to the financial conditions, results of operations, and business of Brooklyn BainCorp. Please refer to page 2 of our earnings presentation for our forward-looking statement disclaimer. Also, please refer to our other filings with the Securities and Exchange Commission, which contain those factors that could cause actual results to differ materially from these forward-looking statements. Any references mentioned in this presentation to non-GAAP measures are only made to assist you in understanding Brooklyn Bankrupt's results and performance trends and should not be relied on as financial measures of actual results or future predictions. For a comparison and reconciliation to GAAP earnings, Please see our earnings release. I'm pleased to introduce Brookline Bainford's Chairman and CEO, Paul Holt.

Thanks, Laura, and good afternoon, everyone. Thank you for joining us for today's earnings call. Yesterday, we reported net income for the quarter of $22.7 million, or 26 cents a share. Our bankers remain active, and we continue to see lots of opportunities to bank strong new relationships in our markets. The loan portfolio grew by $40 million, and customer deposits grew by $88 million in the quarter. Non-performing assets increased slightly in the quarter off historically low levels and remain less than half of 1% of total assets. Net charge-offs for the quarter were $11 million, which were largely previously reserved for. Net charge-offs over the past 12 months represent approximately 14 basis points, while the allowances The loan loss represents 127 basis points of total loans. I'll now turn you over to Carl, who will review the second quarter results.