Q4 2023 Hilltop Holdings Inc Earnings Call Transcript
Welcome to the Hilltop Holdings fourth-quarter 2023 earnings call and webcast. (Operator Instructions) This call is being recorded on Friday, January 26, 2024.
I would now like to turn the conference over to Erik Yohe, Executive Vice President at Hilltop Holdings. Please go ahead.
Thank you, Mark, and good morning. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, credit risk and trends in credit, allowance for credit losses, liquidity and sources of funding, the impact and potential impacts of inflation, stock repurchases and dividends, and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation, are forward-looking statements. These statements are based on management's current expectations concerning future events that, by their nature
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