F. Gasior | executive |
Brian Martin | analyst |
Ross Haberman | analyst |
Paul Cloutier | executive |
Jason Stock | analyst |
Good day, and thank you for standing by. Welcome to the BankFinancial Corp. 2024 Year End Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Chairman and CEO, Mr.