Andrew Liesch - Piper Sandler [Operator Instructions] As a reminder, today's conference is being recorded. Thank you. Good morning, everyone. This is Craig Blunden, Chairman and CEO of Provident Financial Holdings. And on the call with me is Donavon Ternes, our President, Chief Operating and Chief Financial Officer. Provident Financial Holdings Inc. (NASDAQ:PROV) Q4 2023 Earnings Conference Call July 25, 2023 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, COO & C ...