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Good morning, ladies and gentlemen and welcome to the South Plains Financial, Inc. Fourth Quarter 2024 Earnings Conference Call. During this presentation all parties will be in listen-only mode.

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Hello, and welcome to the Customers Bancorp Inc. 2024 fourth quarter and year-end earnings report. (Operator Instructions) I would now like to turn the conference over to David Patti of Customers ...

Thank you, and welcome to the Cohen & Steers Fourth Quarter and Full Year 2024 Earnings Conference Call. Joining me are Joe Harvey, our Chief Executive Officer; Raja Dakkuri, our Chief Financial ...