Bruce Lee | executive |
Kevin Thompson | executive |
Jeff Rulis | analyst |
Terence McEvoy | analyst |
Nathan Jones | executive |
Andrew Liesch | analyst |
Damon Del Monte | analyst |
David Long | analyst |
Greetings, and welcome to HTLF's 2023 Fourth Quarter Conference Call. This afternoon, HTLF announced its annual earnings and fourth quarter financial results. And hopefully, you've had a chance to review the earnings release that is available on HTLF's website at htlf.com. With us today from management are: Bruce Lee, President and CEO; Kevin Thompson, Chief Financial Officer; Bryan McKeag; and Nathan Jones, Chief Credit Officer. Management will provide a summary of the quarter, and then we will open the call to your questions.
Before we begin the presentation, I would like to remind everyone that some of the information provided today falls under the guideline of forward-looking statements as defined by our Securities and Exchange Commission.