Central Pacific Financial Corp New

Good afternoon, ladies and gentlemen. Thank you for standing by, and welcome to the Central Pacific Financial Corp. 4th Quarter 2025 Conference Call. During today's presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be open for questions. As a reminder, this call is being recorded and will be available for replay shortly after its completion on the company's website at www.cpbdebt.com. I would like to turn the call over to Mr. J. Roll Drabago, Senior Strategic Financial Officer. Please go ahead.

Thank you, John. And thank you all for joining us as we review the financial results of the fourth quarter of 2025 for Central Pacific Financial Corp. With me this morning are Arnold Martinez, Chairman, President, and Chief Executive Officer. David Morimoto, Vice Chairman and Chief Operating Officer. Ralph Misik, Senior Executive, Vice President, and Chief Risk Officer. Dana Matsumoto, Executive Vice President and Chief Financial Officer, and Anna Hu, Executive Vice President and Chief Credit Officer. We have prepared a supplemental slide presentation that provides additional details on our earnings release and is available in the investor relations section of our website at ir.cpb.bank. During the course of today's call, management may make forward-looking statements While we believe these statements are based on reasonable assumptions, they involve risks that may cause actual results to differ materially from those projected. For a complete discussion of the risks related to our forward-looking statements, please refer to slide two of our presentation. And now, I'll turn the call over to our Chairman, President, and CEO, Arnold Martinez. Arnold?

Thank you, Gerald, and aloha to everyone joining us today. I want to start by sharing that Central Pacific Bank was recently named to Newsweek's list of America's best regional banks for 2026. This recognition reflects the strength of our franchise and the trust our customers place in us every day. It's also a testament to our team's commitment to delivering exceptional service and building lasting relationships across the communities we serve. which is foundational to delivering long-term value to our shareholders. Central Pacific closed the year with strong momentum in the fourth quarter and solid overall performance in 2025. The Q4 results were driven by disciplined execution across our core franchise. Our profitability strengthened as we grew revenue and expanded our margin while proactively managing expenses. As we enter 2026, Central Pacific Bank is also focused on our core business, which includes a disciplined approach to organic growth, thoughtful diversification, and operational excellence. We are well positioned to achieve consistent earnings growth, enhance shareholder returns, and strengthen our competitive advantage. Over the past three years, our total shareholder return was 77%. reflecting both solid share price appreciation and dividends. Additionally, our core earnings per share increased 24% from the prior year, underscoring the strong operating momentum across our franchise. Hawaii's economy continues to be resilient despite macroeconomic uncertainty, leading to lower visitor counts and softer job growth. Offsetting such factors, Hawaii's key Hawaii's key strength continues to come from strong construction activity at both the public and private level, as well as the military sector. Finally, in the fourth quarter, we continue to expand our international strategy through the signing of a strategic partnership with Korea Investment and Securities, one of South Korea's leading financial institutions. This collaboration expands our international reach and creates new deposit opportunities as we offer our banking services to Korean customers seeking investment and business opportunities in Hawaii. With that said, I'll turn the call over to David.