First Capital, Inc. (FCAP) Q4 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon. Thank you for standing by. Welcome to the Q4 2024 conference call. During the presentation, all participants will be in a listen-only mode. Afterwards, we will conduct a question-and-answer session. At that time, if you have a question, please press star 1 on your telephone keypad. I would now like to turn the conference over to Allison. Please proceed with your presentation. Thank you, and good afternoon. In discussing our financial and operating performance and in responding to your questions during today's call, we may make forward-looking statements. These statements are based on our current estimates and assumptions, many of which are beyond our control and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those expressed or implied in these statements. A summary of these underlying assumptions, risks, and uncertainties is contained in our securities filings including our MD&A for the year ended December 31, 2024, and our current AIF, which are available on CDAR Plus and our website. These forward-looking statements are made as of today's date, and except as required by the Curious Law, we undertake no obligation to publicly update or revise any such statements. During today's call, we will also be referencing certain non-IFRS financial measures. These do not have standardized meetings prescribed by IFRS and should not be construed as alternatives to net income or cash flow from operating activities determined in accordance with IFRS. Management provides these as a complement to IFRS measures to aid in assessing the rate's performance. These non-IFRS measures are further defined and discussed in our MD&A, which should be read in conjunction with this conference call. I'll now turn the cal...