Bank OZK

Thank you for standing by and welcome to BankOZK's fourth quarter 2023 earnings conference call. At this time, all participants are in a listen-only mode. To ask a question during the session, you will need to press star 1-1 on your telephone. To remove yourself from the queue, you may press star 1-1 again. I would now like to hand the call over to Director of Investor Relations and Corporate Development, Jay Staley. Please go ahead.

Good morning. I'm Jay Staley, Director of Investor Relations and Corporate Development for BankOZK. Thank you for joining our call this morning and participating in our question and answer session. In today's Q&A session, we may make forward-looking statements about our expectations, estimates, and outlook for the future. Please refer to our earnings release, management comments, and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements. Joining me on the call to take your questions are George Gleason, Chairman and CEO, Brandon Hamblin, President, Tim Hicks, Chief Financial Officer, and Cindy Wolfe, Chief Operating Officer. We'll now open up the lines for your questions. Let me now ask our operator, Lateef, to remind our listeners how to queue in for questions.

Thank you. As a reminder, to ask a question, you will need to press star 1-1 on your telephone. Again, that's star 1-1. on your telephone to ask a question. To remove yourself from the queue, you may press star 11 again. Please stand by while we compile the Q&A roster. Our first question comes from the line of Steven Scouten of Piper Sandler.