Hilltop Holdings Inc. (HTH) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.477 Good morning ladies and gentlemen and welcome to the Hilltop Holdings first quarter 2025 00:00:04.477 -- 00:00:08.902 earnings conference call and webcast call. 00:00:08.902 -- 00:00:13.648 At this time all lines are in listen-only mode and following the presentation we will 00:00:13.648 -- 00:00:19.135 conduct a question and answer session. If at any time during this call you require immediate 00:00:19.135 -- 00:00:23.100 assistance please press star zero for the operator. 00:00:23.100 -- 00:00:27.903 This call is being recorded on Friday April 25th 2025 00:00:27.959 -- 00:00:30.161 I would now like to turn the conference call over to Mr. 00:00:30.161 -- 00:00:33.322 Matt Dunn. Please go ahead. 00:00:33.945 -- 00:00:38.570 Thank you. Before we get started, please note that certain statements during today's 00:00:38.570 -- 00:00:42.874 presentation that are not statements of historical fact, including statements concerning 00:00:42.874 -- 00:00:48.079 such items as our outlook, business strategy, future plans, financial condition, 00:00:48.079 -- 00:00:53.304 credit risks, and trends in credit, allowance for credit losses, liquidity, and sources 00:00:53.304 -- 00:00:58.406 of funding funding costs, dividends, stock repurchases, subsequent events, 00:00:58.406 -- 00:01:02.796 and impacts of interest rate changes, as well as such other items referenced in the preface 00:01:02.796 -- 00:01:06.063 of our presentation or forward-looking statements. 00:01:06.063 -- 00:01:10.032 These statements are based on management's current expectations concerning future events 00:01:10.032 -- 00:01:13.370 that by their nature are subject to risks and uncertainties. 00:01:13.370 -- 00:01:17.715 Our actual results, capital, liquidity, and financial c...