Byline Bancorp, Inc.

Good morning and welcome to Byline Bancorp fourth quarter 2024 earnings call. My name is Emily and I'll be your conference operator today. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer period. If you would like to ask a question, simply press the star followed by the number one on your telephone. If you would like to withdraw your question, press star and then two. If you are listening via speakerphone, please lift your handset prior to asking your question. If you require operator assistance, please press start then zero. Please note the conference call is being recorded. At this time, I would like to introduce Brooks Rennie, Head of Investor Relations for Byline Bancorp to begin the conference call. Brooks Rennie, Head of Investor Relations for Byline Bancorp Thank you, Emily.

Good morning, everyone. And thank you for joining us today for the Byline Bancorp fourth quarter and full year 2024 earnings call in accordance with the regulation fd this call is being recorded and is available via webcast on our investor relations website along with our earnings release and the corresponding presentation slides as part of today's call management may make certain statements that constitute projections beliefs or other forward-looking statements regarding future events or the future financial performance of the company We caution that such statements are some risks, uncertainties, and other factors that could cause actual results to differ materially from those discussed. The company's risk factors are disclosed and discussed in its SEC filings. In addition, our remarks and slides may reference or contain certain non-GAAP financial measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures. Reconciliation of each non-GAAP financial measure to the comparable GAAP financial measure can be found within the appendix of the earnings release. For additional information about risks and uncertainties, please see the forward-looking statements in non-GAAP financial measures disclosures in the earnings release. As a reminder for investors, this quarter we plan on attending the KBW Winter Financial Services Conference and the RBC Global Financial Institutions Conference. With that, I'd now like to turn the conference call over to Alberto Parancini, President of IOM Bank Corp.

Thank you, Brooks. Happy New Year to all of you, and thank you for joining the call this morning to review our fourth quarter and full year 2024 results. As always, joining me this morning are Chairman and CEO Roberto Horencia, Tom Bell, our CFO and Treasurer, and Mark Fusinato, our Chief Credit Officer. I'd also like to welcome Brian Duran, who's on the call this morning as well brian joined byline this week as our new general counsel before we get into results i want to pass a call on to roberto to comment on a few items roberto thank you alberto good morning to all and best wishes for a healthy and successful new year 2025. i can't think of a better way to conclude last year another strong