Brookline Bancorp, Inc.

Good afternoon, and welcome to Brookline Bancorp, Inc.' 's third quarter 2024 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 would now like to turn the conference over to Brookline Bancorp's attorney, Laura Vaughn. Please proceed.

Thank you, Ciara, and good afternoon, everyone. Yesterday, we issued our earnings release and presentation. which is available on the investor relations page of our website, booklandbankwork.com, and has been filed with the SEC. This afternoon's call will be hosted by Paul A. Foltz and Carl M. Olson. This call may contain forward-looking statements with respect to the financial condition, results of operations, and business of Bookland Bankwork. Please refer to page two of our earnings presentation for a forward-looking statement disclaimer. Also, please refer to our other filings with the Securities and Exchange Commission, which contain the 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 Bankrupt's results and performance trends and should not be relied on as financial measures of actual results or future predictions. For comparison and reconciliation to the app earnings, please see our earnings release. I'm pleased to introduce Brooklyn Bay World's Chairman and CEO, Paul Gould.

Thank you, Laura, and good afternoon, everyone. Thank you for joining us for today's earnings call. Performance improved in the quarter with net income of $20.1 million and earnings per share of 23 cents. Paul Cecala, Loans grew by a modest $34 million, customer deposits increased $103 million, and our margin increased seven basis points. Paul Cecala, As market rates gradually return to normal, we expect to see our net interest margin continue to improve right through 2025. I will now turn you over to Carl, who will review the company's third quarter results.