West Bancorporation

Thank you for standing by. My name is Mandeep, and I will be your conference operator today. At this time, I would like to welcome everyone to the West Band Corporation Inc. Q1 2024 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you'd like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you'd like to withdraw your question, Press star 1 again. Thank you. I would now like to turn the conference over to Jane Funk, CFO. You may begin.

Thank you. Welcome, everybody, and thank you for joining us today on our earnings call. Today I've got Dave Nelson, our CEO, Harley Olofsson, Chief Risk Officer, Brad Winterbottom, Bank President, and Brad Peters, our Minnesota Group President, today for the call, and we'll all be making comments. I'll start off by reading our fair disclosure 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 of 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 disclosures in our 2024 first quarter earnings release for more information about risks and uncertainties which may affect us. The information we will provide today is accurate as of March 31st, 2024, and we undertake no duty to update the information. And at this point, I'll turn it over to Dave for opening comments.

Thank you, Jane. Welcome, everyone. Good afternoon, and thank you for joining us. Also, thank you for your interest in our company. Our quarter wind is expected actually a bit better than forecasted. Jane will speak more to this, but hopefully we have found the bottom in terms of our margin. Now, Harley will speak in more detail to our credit quality, but it continues to be pristine with essentially no problem loans and no past due loans over 30 days at quarter end. Exciting news at West Bank is that we have just moved into our new main office headquarter facility and This has generated a lot of excitement and community attention. We completed a redevelopment for our new headquarters, turning a rather high-profile blighted site into something very special. We've declared a regular quarterly dividend, 25 cents, payment date of May 22nd to shareholders of record as of May 8th. Those are the extent of my prepared comments. I'd like to turn the call over to Chief Risk Officer, Mr. Harley Olofsson. Thanks, Dave.