Brookline Bancorp, Inc.

I'd now like to turn the conference over to Brookline Bancorp's attorney, Laura Vaughan. Please go ahead.

Thank you, Emily, and good afternoon, everyone. Yesterday, we issued our earnings release and presentation, which is available on the investor relations page of our website, brooklinebancorp.com, and has been filed with the SEC. This afternoon's call will be hosted by Paul A. Peralt and Carl M. Carlson. This call may contain forward-looking statements with respect to the financial condition and results of operations, and business of Brookline Bancorp, please refer to page two of our earnings presentation for our forward-looking statement disclaimer. Also, please refer to our other filings for the Securities and Exchange Commission, which contain risk factors that could cause actual results to differ materially from these forward-looking statements. Any references made during this presentation to non-GAAP measures are only made to assist you in understanding Brookline Bancorp'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 Workline Bancorp's Chairman and CEO, Paul Perrault.

Thanks, Laura, and good afternoon, all, and thank you for joining us for today's earnings call. 2023 was a challenging year for the banking industry, yet a very productive one for Workline Bancorp. We started the year with the successful acquisition, management transition, and integration of PCSB Bank. In mid-February, the system's conversions were completed without incident, and the synergies identified were realized. Then in March and April, as several banks failed, we were able to assist impacted customers in our markets as they navigated the significant near-term uncertainty it created. In a volatile interest rate environment, We have added bankers to our teams while continuing to expand and enhance our technology infrastructure as well as our product and service offerings across our three banks with a sharp focus on boutique commercial banking. Geographically, we are excited about the opportunities PCSB Bank provides us in the Hudson Valley of New York. In Massachusetts, Brookline Bank expanded our Wakefield Lending Office and opened a new lending office in Needham And in Rhode Island, Bank Rhode Island has opened new branches in both Cranston and Newport. Eastern Funding, our national equipment finance unit, specializing in laundromats, tow trucks, and fitness equipment, continue to demonstrate solid growth with enviable industry credit performance, which we attribute to the team's narrow focus and very deep expertise. I will now turn you over to Carl, who will review the company's fourth quarter results.