First Bank

Hello and welcome to the First Bank conference call. Please note that this call is being recorded. After today's presentation, there will be an opportunity to ask questions in the Q&A session. Instructions will be provided before opening the floor for questions. I'd now like to hand over the call to Patrick Ryan, President and CEO. Please go ahead.

Thank you. I'd like to welcome everyone today to First Bank's fourth quarter 2023 earnings call. I'm joined by our CFO, Andrew Hipschman, our Chief Retail Banking Officer, Darlene Gillespie, and our Chief Lending Officer, Peter Cahill. Before we begin, Andrew will read the Safe Harbor Statement. Andrew.

The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially and therefore you should not place on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under item 1A, Risk Factors, in our annual report on Form 10-K for the year ended December 31st, 2022, filed with the FDIC. Pat, back to you.