First Bank (NASDAQ:FRBA) Q4 2024 Results Conference Call January 24, 2025 9:00 AM ET
Company Participants
Patrick Ryan – President and Chief Executive Officer
Andrew Hibshman – Chief Financial Officer
Darleen Gillespie – Chief Retail Banking Officer
Peter Cahill – Chief Lending Officer
Conference Call Participants
Justin Crowley – Piper Sandler
David Bishop – Hovde Group
Operator
Hello, everyone, and welcome to First Bank Earnings Conference Call. Please note that this call is being recorded. After the prepared remarks, there will be a question-and-answer session. [Operator Instructions]. Thank you.
I’d now like to hand the call over to Patrick Ryan, CEO, you may now begin.
Patrick Ryan
Thank you. I’d like to welcome everyone today to First Bank’s Fourth Quarter 2024 Earnings Call. I’m joined by Andrew Hibshman, Financial Officer; Darleen Gillespie, our Chief Retail Banking Officer; and Peter Cahill, our Chief Lending Officer.
Before we begin, Andrew will read the Safe Harbor statement.
Andrew Hibshman
The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of First Bank. We caution that such statements are subject to a number of uncertainties and actual results could differ materially and therefore you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments.
Information about risks and uncertainties are described under Item 1A, Risk Factors, in our annual report on Form 10-K for the year ended December 31, 2023 filed with the FDIC.
Pat, back to you.
Patrick Ryan
Thank you, Andrew. I’d like to start my comments with a look back on the full year. I think the fourth quarter was a very good finish to what turned out to be an excellent year. I think by focusing on the 90-day window of time
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