First Bank

Thank you for standing by. My name is Ian, and I will be your conference operator today. At this time, I would like to welcome everyone to the first bank earnings conference call, third quarter 2024. 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 this time, simply press star, followed by the number one on your telephone keypad. If you would like to withdraw your question, again, press star one. Thank you. I will now turn the call over to Patrick Ryan, President and CEO. You may begin your conference.

Thank you. I'd like to welcome everyone today to First Bank's third quarter 2024 earnings call. I am joined by Andrew Hibschman, our Chief Financial Officer, Darlene Gillespie, our Chief Retail Banking Officer, and Peter Cahill, our Chief Lending Officer. Before we begin, however, Andrew will read the Safe Harbor Statement.

Thanks, Pat. 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 31st, 2023, filed with the FDIC. Pat, back to you.