James Nesci | executive |
Kelly Pecoraro | executive |
Justin Crowley | analyst |
Christopher O'Connell | analyst |
Hello, everyone, and welcome. My name is Drew, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Blue Foundry Bancorp Fourth Quarter and Year-end 2023 Earnings Call. [Operator Instructions]. I will now turn the call over to your host, Jim Nesci.