Q4 2023 Stellar Bancorp Inc Earnings Call Transcript
Yes, yes, good morning.
My name is Krista, and I'll be your conference operator today. Finally, I would like to welcome everyone to the stellar Bancorp Fourth Quarter Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session questions during that time, simply press star followed by the number one on your telephone keypad. And if you would like to withdraw your question again, press star one. Thank you. I would now like to turn the conference over Courtney Carroll, Chief Accounting Officer. Courtney, you may begin your conference.
Thank you, operator, and thank you to all who have joined our call today. Good morning. Our team would like to welcome you to our earnings call for the fourth quarter of 2023. This morning's earnings call will be led by our CEO, Bob Franklin, and CFO, Paul again, also in attendance today are Steve Retzlaff, Executive Chairman of the Company, Fraser, to
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