William Kessel | executive |
Joel Rahn | executive |
Gavin Mohr | executive |
Erik Zwick | analyst |
Damon Del Monte | analyst |
Peter Winter | analyst |
John Rodis | analyst |
Good morning, and welcome to the Independent Bank Corporation Report 2023 Fourth Quarter Results. I'm Carla, and I will be your operator for today. [Operator Instructions].
I will now hand over to your host, Brad Kessel, President and CEO, to begin. Brad, please go ahead when you're ready.