Good morning and Happy New Year, everyone. I would also like to welcome you to the fourth-quarter and full-year 2024 earnings call for Banner Corporation. Joining me on the call today is Rob ...

and welcome to the Banner Corporation's Fourth Quarter 2024 Conference Call and Webcast. My name is Marie, and I will be operating your call today. [Operator Instructions] I will now hand over to ...

Hello, everyone, and welcome to the Banner Corporation's Fourth Quarter 2024 Conference Call and Webcast. My name is Marie, and I will be operating your call today. [Operator Instructions] I will ...

(Operator Instructions) I will now hand over to your host, Mark Grescovich, President and CEO of Banner Corporation. Please go ahead. Thank you, Marie. Good morning and Happy New Year, everyone. I ...