Salvatore DiMartino | executive |
Thomas Cangemi | executive |
Ebrahim Poonawala | analyst |
John Pinto | executive |
Steven Alexopoulos | analyst |
David Rochester | analyst |
Casey Haire | analyst |
Christopher McGratty | analyst |
Christopher Marinac | analyst |
Stephen Moss | analyst |
Manan Gosalia | analyst |
David Smith | analyst |
Broderick Preston | analyst |
Matthew Breese | analyst |
Bernard Von Gizycki | analyst |
Jon Arfstrom | analyst |
Hello, and thank you for standing by. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the New York Community Bancorp Inc. Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions]