First Internet Bancorp

Good day, everyone, and welcome to the first Internet Bank Corp earnings conference call for the second quarter of 2024. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question and answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. This call is being recorded on Thursday, July 25, 2024. I would now like to turn the conference over to Larry Clark, From Financial Profiles, Inc. Please go ahead, Mr. Clark.

Thank you, Lara. Good day, everyone, and thank you for joining us to discuss First Internet Bank Corp's financial results for the second quarter of 2024. The company issued its earnings press release yesterday afternoon, and it's available on the company's website. In addition, the company's included a slide presentation that you can refer to during this call. You can also access these slides on the website. Joining us today from the management team are Chairman and CEO David Becker and Executive Vice President and CFO Ken Lovett. David will provide an overview and Ken will discuss the financial results. Then we'll open up the call to your questions. Before we begin, I'd like to remind you that this conference call contains four looking statements with respect to the future performance and financial condition of First Internet Bancorp that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings, which are available on the company's website. The company disclaims any obligation to update any forward-looking statements made during this call. Additionally, management may refer to non-gap measures, which are intended to supplement but not substitute for the most directly comparable gap measures. Press release, available on the website, contains the financial and other quantitative information to be discussed today, as well as a reconciliation of the GAAP to non-GAAP measures.

This time, I'd like to turn the call over to David.