Noah Fields | executive |
Michael Collins | executive |
Craig Bridgewater | executive |
Michael Schrum | executive |
Andrew Stimpson | analyst |
David Feaster | analyst |
Alexander Roberts Twerdahl | analyst |
Timur Braziler | analyst |
Good morning. My name is Nihugi, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 2023 Earnings Call for The Bank of N.T. Butterfield & Son Limited. [Operator Instructions] Please note, this event is being recorded.I would now like to turn the call over to Noah Fields, Butterfield's Head of Investor Relations.