Q4 2023 Byline Bancorp Inc Earnings Call

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Good morning, and welcome to Byline Bancorp fourth quarter. Once you 23 earnings call. My name is Carla and I will be your conference operator today.

Lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer period. If you would like to ask a question sent people. This I'll call. It by the number one when your telephone.

If you would like to withdraw your question Press Star followed by Chi.

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Please note the conference is being recorded.

At this time I would like to introduce bricks running head of Investor Relations Byline Bancorp to begin the conference call.

Carlos: Thank you Carlos good morning, everyone and thank you for joining us today for the byline Bancorp fourth quarter and full year 2023 earnings call.

Byline Bancorp: In accordance with regulation FD. This call is being recorded and is available via webcast on our Investor Relations website, along with the earnings release and the corresponding presentation slides.

Byline Bancorp: During the course of the call today management may make certain statements that constitute projections or other forward looking statements regarding future events or the future future financial performance of the company.

Bricks Running: We caution that such statements are subject to certain risks uncertainties and other factors that could cause actual results to differ materially from those discussed.

Bricks Running: These risk factors are disclosed and discussed in our SEC filings.

In addition, our remarks may reference non-GAAP measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures.

Bricks Running: Reconciliation for these numbers can be found within the appendix of the earnings release for additional information about risks and uncertainties. Please see the forward looking statements and non-GAAP financial measures disclosure in the earnings release I would now like to turn the conference call over to Alberto proxy prison violence of England.

Bricks Running: Thank you Brooks happy new year, and thank you all for joining US This morning to review, our fourth quarter and full year 2023 results.

Roberto: Joining me this morning are chairman and CEO Roberto for NCS, Tom Bell, our CFO and Treasurer, and Mark <unk>, Our Chief Credit Officer before we got into the results for the quarter I want to pass the call on to Roberto to comment on a few items Roberto.

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Roberto NCS: Thank you Alberto good morning, and best wishes for a healthy and happy new year to all.

Roberto NCS: I'll start my remarks by acknowledging filing shareholder and friend, Darren Goodwin, who passed away in Chicago last weekend.

Roberto NCS: <unk> story as a human being and business leader is simply remarkable.

I met Dan almost 14 years ago, and most recently interactive retain prior and after the merger between borrowing in England Bank.

Roberto NCS: It was important to him that we referred to our coming together as the merger not an acquisition.

Dan: That alone tells you much about him and his value system.

Dan: He was pleased with how we negotiated the key points of the merger.

He was happy to have become a shareholder of filing.

Dan: I think he was the happiest when he learned we had selected Pam Stuart.

Pam Stuart: <unk> representative on our board.

Pam Stuart: Any of you have met Pam you would know why that is the case.

Pam Stuart: Our sympathy and hearts.