First Hawaiian, Inc. (FHB) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.516 is being recorded. And now I'd like to introduce your host for today's program, Kevin 00:00:04.516 -- 00:00:09.322 Haseyama, Investor Relations Manager. Please go ahead, sir. 00:00:09.322 -- 00:00:13.487 Thank you, Jonathan. And thank you everyone for joining us as we review our financial 00:00:13.487 -- 00:00:16.811 results for the second quarter of 2025. With 00:00:16.811 -- 00:00:21.957 me today are Bob Harrison, Chairman, President, and CEO, Jamie Moses, 00:00:21.957 -- 00:00:26.282 Chief Financial Officer, and Lee Nakamura, Chief Risk Officer. 00:00:26.282 -- 00:00:30.237 We have prepared a slide presentation that we will refer to in our remarks today. 00:00:30.237 -- 00:00:35.263 The presentation is available for downloading and viewing on our website at fhb.com in 00:00:35.263 -- 00:00:37.806 the investor relations section. 00:00:37.806 -- 00:00:42.992 During today's call, we will be making forward-looking statements, so please refer to 00:00:42.992 -- 00:00:48.399 slide one for our safe harbor statement. We may also discuss certain non-GAAP 00:00:48.399 -- 00:00:53.445 financial measures. The appendix to this presentation contains reconciliations of these 00:00:53.445 -- 00:00:57.270 non-GAAP financial measurements to the 00:00:57.270 -- 00:00:59.988 most directly comparable GAAP measurements. 00:00:59.988 -- 00:01:03.414 And now I'll turn the call over to Bob. 00:01:03.414 -- 00:01:08.863 Thank you for joining us today. I'll start by giving a quick overview of the local economy. 00:01:08.863 -- 00:01:14.432 Statewide seasonally adjusted unemployment rate continued to drift lower and was 2.8% 00:01:14.432 -- 00:01:19.317 in June compared to the national unemployment rate of 4.1%. 00:01:19.801 -- 00:01:24.811 Through May, to...