Mark Hardwick | executive |
Michael Stewart | executive |
Michele Kawiecki | executive |
John Martin | executive |
Daniel Tamayo | analyst |
Damon Del Monte | analyst |
Terence McEvoy | analyst |
Nathan Race | analyst |
Brian Martin | analyst |
Thank you for standing by, and welcome to the First Merchants Corporation's Fourth Quarter 2023 Earnings Conference Call.
Before we begin, management would like to remind you that today's call contains forward-looking statements with respect to the future performance and financial condition of First Merchants Corporation that involves risks and uncertainties.Further information is contained within the press release, which we encourage you to review.
Additionally, management would refer to non-GAAP measurements, which are intended to supplement, but not substitute for the most directly comparable GAAP measures.The press release available on the website contains financial and/or other quantitative information to be discussed today, as well as reconciliation of GAAP to non-GAAP measures.
As a reminder, today's call is being recorded.I will now turn the conference over to Mr. Mark Hardwick, Chief Executive Officer.