National Bank Holdings Corporation

Good morning, everyone, and welcome to the National Bank Holdings Corporation 2024 Third Quarter Earnings Call. My name is Anna, and I will be your conference operator for today. At this time, all participants are in a listen-only mode. As a reminder, this conference is being recorded for replay purposes. I will now turn the call over to Emily Gooden, Chief Accounting Officer and Director of Investor Relations.

Thank you, Anna, and good morning. We will begin today's call with prepared marks, followed by a question-and-answer session. I would like to remind you that this conference call will contain forward-looking statements, including but not limited to statements regarding the company's strategy, loans, deposits, capital, net interest income, non-interest income, margins, allowance, taxes, and non-interest expense. Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks, uncertainties, and other factors, which are disclosed in more detail in the company's most recent filings with the U.S. Securities and Exchange Commission. These statements speak only as of the date of this call, and National Bank Holdings Corporation undertakes no obligation to update or revise these statements. In addition, the call today will reference certain non-GAAP measures, which National Bank Holdings Corporation believes provides useful information for investors. Reconciliations of these non-GAAP financial measures to the GAAP measures are provided in the news release posted on the investor relations section of www.nationalbankholdings.com. It is now my pleasure to turn the call over and introduce National Bank Holdings Corporation's chairman and CEO, Mr. Tim Laney.

Well, thanks, Emily. Good morning, and thank you for joining us as we discuss National Bank Holdings' third quarter 2024 financial results. I'm pleased to be joined by Aldous Burkhardt in his newly appointed role as president of our company, as well as Nicole Van Denneville, our newly appointed chief financial officer. You're all familiar with Aldus, and while Nicole is new to many of you, she's been with our company for over six years. She began her career with Deloitte and has 21 years of experience in the industry. Most recently, Nicole served as our chief accounting officer. Moving on, we delivered solid earnings for the quarter on the back of discipline, deposit, and loan pricing, as well as strong fee income generation. All this is going to provide color on loans and deposits, but I do want to recognize our banker's disciplined approach to deposit and loan pricing. Finally, we believe the loan portfolio remains very strong. And on that note, I'll turn the call over to Nicole for her first earnings call.