Veritex Holdings, Inc.

Good morning and welcome to the Veritex Holding fourth quarter 2023 earnings conference call and webcast. All participants will be in a listen-only mode. Please note this event will be recorded. I will now turn the conference over to Will Holford with Veritex.

Good morning. Thank you for joining Veritex's fourth quarter 2023 earnings call. Before we begin, please be aware this call will include forward-looking statements that are based on our current expectations of future results or events. Forward-looking statements are subject to both known and unknown risk and uncertainties that could cause actual results to differ materially from these statements. Our forward-looking statements are as of the date of this call, and we do not assume any obligation to update or revise them. Statements made on this call should be considered together with cautionary statements and other information contained in today's earnings release and our most recent annual report or Form 10-K in subsequent filings with the SEC. We will refer to investor slides during today's presentations, which can be found along with the press release in the investor relations section of our website at veritexbank.com. Our speakers for the call today are Chairman and CEO Malcolm Holland, our CFO Terry Early, and our Chief Credit Officer, Clay Reedy. At the conclusion of our prepared remarks, we will open the lines up for a Q&A session. I will now turn the call over to Malcolm. Thank you, Will.

Good morning, everyone. Today, we'll recap both our fourth quarter results as well as our 2023 annual results.