Emily Gooden - Chief Accounting Officer and Investor Relations Director
Timothy Laney - Chairman and Chief Executive Officer
Nicole Van Denabeele - Chief Financial Officer
Aldis Birkans - President
Good morning, everyone, and welcome to the National Bank Holdings Corporation 2024 Fourth Quarter Earnings Call. My name is Anna and I will be your conference operator for today. At this time all participants are in a listen-only mode. As a reminder, this conference is being recorded for replay purposes.
I will now turn the call over to Emily Gooden, Chief Accounting Officer and Director of Investor Relations.
Emily Gooden
Thank you, Anna, and good morning. We will begin today's call with prepared remarks followed by a question-and-answer session.
I would like to remind you that this conference call will contain forward-looking statements, including but not limited to statements regarding the company's strategy, loans, deposits, capital, net interest income, non-interest income, margins, allowance, taxes and non-interest expense. Actual results could differ materially from those discussed today.
These forward-looking statements are subject to risks, uncertainties and other factors, which are disclosed in more detail in the company's most recent filings with the US Securities and Exchange Commission. These statements speak only as of the date of this call and National Bank Holdings Corporation undertakes no obligation to update or revise these statements.
In addition, the call today will reference certain non-GAAP measures, which National Bank Holdings Corporation believes provides useful information for investors. Reconciliations of these non-GAAP financial measures to the GAAP measures are provided in the news release posted on the Investor Relations section of www.nationalbankholdings.com.