Justin Horstman | executive |
Gerald Baack | executive |
Joseph Chybowski | executive |
Nicholas Place | executive |
Jeffrey Shellberg | executive |
Jeff Rulis | analyst |
Nathan Race | analyst |
Good morning, and welcome to the Bridgewater Bancshares 2023 Fourth Quarter Earnings. My name is Betsy, and I will be your conference operator today. [Operator Instructions] Please note that today's call is being recorded. At this time, I would like to introduce Justin Horstman, Vice President of Investor Relations, to begin the conference call. Please go ahead.