First Bank

Ladies and gentlemen, thank you for standing by. My name is Abby and I will be your conference operator today. At this time, I would like to welcome everyone to the First Bank FRBA first quarter 2024 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during that time, simply press the star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star 1 a second time. Thank you. And I would now like to turn the conference over to Mr. Patrick Ryan, President and CEO. You may begin.

Thank you, Abby. I'd like to welcome everyone today to First Bank's first quarter 2024 earnings call. I'm joined by Andrew Hipschman, our CFO, Darlene Gillespie, our Chief Retail Banking Officer, and Peter Cahill, our Chief Lending Officer.

Before we begin, however, Andrew will say... 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 undue reliance 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 31, 2023, filed with the FDIC. Pat, back to you.