Kay Gregory | executive |
J. Kemper | executive |
Ram Shankar | executive |
Nick | analyst |
Nathan Race | analyst |
Hello, all, and welcome to UMB Financials' Fourth Quarter and Full Year 2023 Financial Results Call. My name is Lydia, and I will be your operator today. [Operator Instructions] I'll now hand you over to Kay Gregory with Investor Relations to begin. Please go ahead.
Good morning, and welcome to our fourth quarter 2023 call.