West Bancorporation

Good afternoon and welcome to West Bank Corporation, Inc.' 's fourth quarter 2023 earnings call. Please note that this call is being recorded. All participants are now in listen-only mode. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question, please press star 1 on your telephone keypad. To withdraw your question, press star 1 again. Thank you. I will now turn the call over to Jane Funk, CFO. Please go ahead.

Thank you, and welcome everybody. Thank you for joining us today. On the call today, we'll have myself, Dave Nelson, our CEO, Harley Oleson, Chief Risk Officer, Brad Winterbottom, our Bank President, and Brad Peters, our Minnesota Group President. I'll start the call with our Earnings Call Forward Looking Statement. During today's conference call, We may make projections or other forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act 1995 regarding future events or the future financial performance of the company. We caution that such statements are predictions and that actual results may differ materially. Please see the forward-looking statement disclosure in our 2023 fourth quarter earnings release for more information about risks and uncertainties which may affect us. The information we will provide today is accurate as of December 31, 2023. And we undertake no duty to update the information. And with that, I'll turn it over to Dave Nelson.

Thank you, Jane. And thank you, everyone, for joining us this morning. And thank you for your continued interest and support of our company. Our quarter went as expected. During the quarter, we had a provision and an intentional loss trade that Jane will provide details on both of those. In terms of margin compression, no Fed rate hike during the fourth quarter was welcome and future rate cuts would be even more helpful. Our credit quality remains pristine. We ended the quarter and the year with no 30-day past due loans and essentially no credit problems. Our board of directors approved a 25 cent per share regular quarterly dividend payable Wednesday, February 21st to shareholders of record as of Wednesday, February 7th. Those are the extent of my prepared remarks. I would now like to turn the call over to our Chief Risk Officer, Mr. Harley Olofsson.