Alfred Goon | executive |
Christopher Maher | executive |
Joseph Lebel | executive |
Patrick Barrett | executive |
Daniel Tamayo | analyst |
Frank Schiraldi | analyst |
Michael Perito | analyst |
David Bishop | analyst |
Matthew Breese | analyst |
Manuel Navas | analyst |
Christopher Marinac | analyst |
Hello, everyone, and welcome to the OceanFirst Financial Corp. Q4 '23 Earnings Release, and thank you for standing by. My name is Dacy, and I'll be coordinating your call today. [Operator Instructions] I would now like to hand over to your host, Alfred Goon from first station to begin. Alfred, please go ahead.