First Merchants Corporation (FRME) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.578 Thank you for standing by, and welcome to the First Merchants Corporation first quarter 00:00:04.578 -- 00:00:09.766 2025 earnings conference call. Before we begin, management would like to remind you that 00:00:09.766 -- 00:00:14.613 today's call contains forward-looking statements with respect to the future performance 00:00:14.613 -- 00:00:19.861 and financial condition of First Merchants Corporation that involve risk and uncertainties. 00:00:19.861 -- 00:00:23.387 Further information is contained within the press release, which we encourage you to 00:00:23.387 -- 00:00:28.541 review. Additionally, management may refer to non-GAAP measures which are intended 00:00:28.541 -- 00:00:33.366 to supplement but not substitute for the most directly comparable gap measures. 00:00:33.366 -- 00:00:38.130 The press release available on the website contains financial and other quantitative 00:00:38.130 -- 00:00:44.016 information to be discussed today, as well as a reconciliation of gap to non-gap measures. 00:00:44.016 -- 00:00:47.159 As a reminder, today's call is being recorded. 00:00:47.159 -- 00:00:49.942 I will now turn the conference over to Mr. 00:00:49.942 -- 00:00:54.945 Mark Hardwick, CEO. Mr. Hardwick, you may begin. 00:00:56.140 -- 00:01:01.025 Good morning and welcome to First Merchant's first quarter 2025 conference call. 00:01:01.025 -- 00:01:05.269 Thanks for the introduction and for covering the forward-looking statement on page two. 00:01:05.269 -- 00:01:08.072 We released our earnings today at approximately 8 a.m. 00:01:08.072 -- 00:01:12.857 Eastern time. You can access today's slides by following the link on the third page of 00:01:12.857 -- 00:01:14.919 our earnings release. 00:01:14.919 -- 00:01:19.163 On page three o...