Banner Corporation (BANR) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:06.340 Joe Rice, our chief credit officer, and Rich Arnold, our head of investor relations. 00:00:06.340 -- 00:00:11.163 Rich, would you please read our forward-looking safe harbor statement? 00:00:11.607 -- 00:00:16.493 Sure, Mark. Good morning. Our presentation today discusses Banner's business outlook 00:00:16.493 -- 00:00:18.796 and will include forward-looking statements. 00:00:18.796 -- 00:00:22.381 These statements include descriptions of management's plans, objectives or goals for 00:00:22.381 -- 00:00:26.987 future operations, products or services, forecasts of financial or other performance 00:00:26.987 -- 00:00:32.028 measures, and statements about Banner's general outlook for economic 00:00:32.028 -- 00:00:36.494 and other conditions. We also may make other forward-looking statements in the question 00:00:36.494 -- 00:00:39.858 and answer period following management's discussion. 00:00:39.858 -- 00:00:43.702 These forward-looking statements are subject to a number of risks and uncertainties, 00:00:43.702 -- 00:00:48.208 and actual results may differ materially from those discussed today. 00:00:48.208 -- 00:00:51.712 Information on the risk factors that could cause actual results to differ are available 00:00:51.712 -- 00:00:55.877 in the earnings press release that was released yesterday and the recently filed Form 00:00:55.877 -- 00:00:59.131 10-K for the year ended December 31, 2024. 00:00:59.131 -- 00:01:00.673 Forward-looking 00:01:00.673 -- 00:01:05.498 statements are effective only as of the date they are made, and Banner assumes no obligation 00:01:05.498 -- 00:01:09.283 to update information concerning its expectations. 00:01:09.283 -- 00:01:11.283 Mark? 00:01:12.326 -- 00:01:17.432 Thank you, Rich. As is customary, to...