John C. Asbury: Thank you, Bill. Good morning, everyone, and thank you for joining us today. I am pleased to introduce Alex Stodd as our new Chief Financial Officer. Alex brings a wealth of experience having successfully helped guide a smaller institution through its transformation into a larger, more complex financial organization. His background aligns well with our executive leadership team, and I am confident he will add tremendous value as we continue to drive growth and innovation. Over the next few m ...