First Western Financial, Inc.

Thank you for standing by and welcome to the first Western Financial Q4 2023 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentations, there'll be a question and answer session. To ask a question at that time, please press star 11 on your telephone. Please be advised that today's call is being recorded. At this time, I'll turn the call over to your host, Tony Rossi with Financial Profile. Please go ahead.

Thank you, Valerie. Good morning, everyone, and thank you for joining us today for First Western Financial's fourth quarter 2023 earnings call. Joining us from First Western's management team are Scott Wiley, chairman and chief executive officer, Julie Korkamp, chief operating officer, and David Weber, chief financial officer. We will use a slide presentation as part of our discussion this morning. If you have not done so already, please visit the events and presentations page of First Western's investor relations website to download a copy of the presentations. Before we begin, I'd like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of First Western Financial 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. I would also direct you to read the disclaimers in our earnings release and investor presentation. The company disclaims any obligation to update any forward-looking statements made during the call. Additionally, management may refer to non-GAAP measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures. The press release, available on the website, contains the financial and other quantitative information to be discussed today, as well as the reconciliation of the GAAP to non-GAAP measures. With that, I'd like to turn the call over to Scott.

Thanks Tony and good morning everybody.