Q4 2023 Provident Financial Holdings Inc Earnings Call Transcript
Ladies and gentlemen, good afternoon. Thank you for standing by, and welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. (Operator Instructions). As a reminder, today's conference is being recorded.
At this time, I'd like to turn the conference over to our host, Chairman and CEO, Mr. Craig Blunden. Please go ahead.
Thank you. Good morning, everyone. This is Craig Blunden, Chairman and CEO of Provident Financial Holdings. And on the call with me is Donavon Ternes, our President, Chief Operating and Chief Financial Officer.
Before we begin, I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company's general outlook for economic and
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