James Beckwith | executive |
Heather Luck | executive |
Wood Lay | analyst |
Andrew Terrell | analyst |
Gary Tenner | analyst |
Welcome to the Five Star Bancorp Fourth Quarter and Year-End Earnings webcast. Please note, this is a closed conference call, and you are encouraged to listen via the webcast. [Operator Instructions].
Before we get started, let me remind you that today's meeting will include some forward-looking statements within the meaning of applicable securities laws. These forward-looking statements relate to, among other things, current plans, expectations, events and industry trends that may affect the company's future operating results and financial position.