Andres Viroslav | executive |
Damian Kozlowski | executive |
Paul Frenkiel | executive |
Michael Perito | analyst |
Frank Schiraldi | analyst |
Good morning, ladies and gentlemen, and welcome to the Bancorp Inc. Q4 and Fiscal 2023 Earnings Conference Call. [Operator Instructions] This call is being recorded on Friday, January 26, 2024.
I would now like to turn the conference over to Mr. Andres Viroslav.