First Hawaiian, Inc. (FHB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.471 Please go ahead. 00:00:02.594 -- 00:00:06.678 Thank you, Kevin. And thank you, everyone, for joining us as we review our financial 00:00:06.678 -- 00:00:10.121 results for the fourth quarter of 2025. With 00:00:10.121 -- 00:00:15.307 me today are Bob Harrison, Chairman, President, and CEO, Jamie Moses, 00:00:15.307 -- 00:00:19.471 Chief Financial Officer, and Lee Nakamura, Chief Risk Officer. 00:00:19.471 -- 00:00:23.275 We have prepared a slide presentation that we will refer to in our remarks today. 00:00:23.275 -- 00:00:28.120 The presentation is available for downloading and viewing on our website at FHB.com in 00:00:28.120 -- 00:00:31.101 the investor relations section. 00:00:31.418 -- 00:00:35.665 During today's call, we will be making forward-looking statements, so please refer to 00:00:35.665 -- 00:00:40.914 slide one for our safe harbor statement. We may also discuss certain non-GAAP financial 00:00:40.914 -- 00:00:45.621 measures. The appendix to this presentation contains reconciliations of these non-GAAP 00:00:45.621 -- 00:00:50.409 financial measurements to the most directly comparable GAAP measurements. 00:00:50.409 -- 00:00:53.014 And now I'll turn the call over to Bob. 00:00:53.014 -- 00:00:55.738 Hello, everyone. Thank you for joining us today. 00:00:55.738 -- 00:00:59.127 I'll start with some local economic highlights. 00:00:59.127 -- 00:01:04.612 The state unemployment rate continued to fall and was at 2.2% in November 00:01:04.612 -- 00:01:08.433 compared to the national unemployment rate of 4.5%. 00:01:08.675 -- 00:01:14.120 Through November, total visitor arrivals were down 0.2% compared to last year, 00:01:14.120 -- 00:01:17.423 primarily due to fewer visitors from Canada. 00:01:17.423 -- 00:01:23.286 Japan r...