Old Second Bancorp, Inc. (OSBC) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.082 Good morning everyone and thank you for joining us today for Old Second Bank Calls Incorporated's 00:00:05.082 -- 00:00:10.212 first quarter 2025 earnings call. On the call today are 00:00:10.212 -- 00:00:15.724 Jim Ecker, the company's chairman, president and CEO, Brad Adams, the company's 00:00:15.724 -- 00:00:20.614 chief operating officer and chief financial officer, and Gary Collins, the vice chairman 00:00:20.614 -- 00:00:22.762 of our board. 00:00:22.762 -- 00:00:27.010 I will start with a reminder that all second comments today will contain forward-looking 00:00:27.010 -- 00:00:32.100 statements about the company's business, strategies and prospects, which are based on 00:00:32.100 -- 00:00:37.250 management's existing expectations in the current economic environment. 00:00:37.250 -- 00:00:41.859 These statements are not a guarantee of future performance and results may differ materially 00:00:41.859 -- 00:00:47.172 from those projected. Management would ask you to refer to the company's SEC filing 00:00:47.172 -- 00:00:51.202 for a full discussion of the company's risk factors. 00:00:51.202 -- 00:00:56.014 The company does not undertake any duty to update such forward-looking statements. 00:00:56.014 -- 00:01:00.308 On today's call, we will be discussing certain non-GAAP financial measures. 00:01:00.308 -- 00:01:04.512 These non-GAAP measures are described and reconciled to their GAAP counterparts in our 00:01:04.512 -- 00:01:09.655 earnings race, which is available on our website at oldsecond.com, 00:01:10.298 -- 00:01:14.802 on the home page, and under the Investor Relations tab. 00:01:14.802 -- 00:01:18.964 Now I'd like to turn the call over to Mr. Jim Eckert. 00:01:18.966 -- 00:01:21.989 Good morning, everyone. Thank y...