Central Bancompany, Inc. (CBC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.279 Good day, and thank you for standing by. Welcome to the Central Bank Company fourth quarter 00:00:05.279 -- 00:00:10.286 2025 earnings conference call. At this time, all participants are in 00:00:10.286 -- 00:00:14.753 a listen-only mode. After the speaker's presentation, there will be a question and answer 00:00:14.753 -- 00:00:19.360 session. To ask a question during the session, you will need to press star 1-1 on your 00:00:19.360 -- 00:00:24.207 telephone. You will then hear an automated message advising your hand is raised. 00:00:24.207 -- 00:00:28.550 To withdraw your question, please press star 1-1 again. 00:00:28.550 -- 00:00:32.736 Please be advised that today's conference is being recorded. 00:00:32.736 -- 00:00:37.702 I would now like to hand the conference over to your speaker today, John Ross, President 00:00:37.702 -- 00:00:40.743 and CEO. Please go ahead. 00:00:40.886 -- 00:00:44.852 Good morning, and thank you for joining our inaugural earnings call. 00:00:44.852 -- 00:00:49.598 With me in the room today is our Chief Financial Officer Jim Cerulli, Chief Customer 00:00:49.598 -- 00:00:53.984 Officer Dan Westhues, and Chief Credit Officer Eric Holgren. 00:00:53.984 -- 00:00:58.653 Before we begin, I'd like to point out that today's discussion is subject to the same 00:00:58.653 -- 00:01:03.518 forward-looking considerations outlined on page four of our press release. 00:01:03.518 -- 00:01:08.443 While the format of our calls may vary over time, today we plan to be very brief in our 00:01:08.443 -- 00:01:13.646 discussion of fourth quarter highlights before opening the line for Q&A. 00:01:14.689 -- 00:01:20.035 Before doing that, however, please allow me to thank our team for their tireless contributions. 00:01:20.035 ...