Kevin Conn | executive |
Nitin Mhatre | executive |
R. Rosato | executive |
Bill Young | analyst |
Christopher O'Connell | analyst |
Mark Fitzgibbon | analyst |
Laura Havener Hunsicker | analyst |
David Bishop | analyst |
Good morning, ladies and gentlemen, and welcome to the Berkshire Hills Bancorp Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] This call is being recorded on Thursday, January 25, 2024. I would now like to turn the conference over to Mr. Kevin Conn. Please go ahead, sir.