First Bank

Thank you for standing by. My name is Angela and I'll be your conference operator today. At this time, I would like to welcome everyone to First Bank Earnings Conference Call, First Quarter 2025. All lines have been placed on you to prevent any background noise. After the speaker's remarks, there will be a question and answer session if you will write back the question during this time. Simply press star followed by the number 1 on your telephone keypad. If you would like to withdraw your question, press star 1 again. Thank you. I would now like to turn the call over to Mr. Patrick Ryan, President and CEO. You may begin.

Thank you. I'd like to welcome everyone today to First Bank's first quarter 2025 earnings call. I'm joined by Andrew Hitchman, our Chief Financial Officer, Darlene Gillespie, our Chief Resort Banking Officer, and Peter Cahill, our Chief Lending Officer. Before we begin, however, Andrew will read the Safe Harbor Statement.

The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of first vent. 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 uncertainty? are described under Item 1A, Risk Factors, in our annual report on Form 10-K for the year ended December 31, 2024, filed with the FDIC. Pat, back to you.