FRMEP - First Merchants Corporation (FRME) Q4 2023 Earnings Call Transcript

2024-01-26 11:46:03 ET

First Merchants Corporation (FRME)

Q4 2023 Earnings Conference Call

January 25, 2024 11:30 AM ET

Company Participants

Mark Hardwick - CEO

Michael Stewart - President

Michele Kawiecki - CFO

John Martin - Chief Credit Officer

Conference Call Participants

Daniel Tamayo - Raymond James

Damon DelMonte - KBW

Terry McEvoy - Stephens

Nathan Race - Piper Sandler

Brian Martin - Janney

Presentation

Operator

Thank you for standing by, and welcome to the First Merchants Corporation's Fourth Quarter 2023 Earnings Conference Call.

Before we begin, management would like to remind you that today's call contains forward-looking statements with respect to the future performance and financial condition of First Merchants Corporation that involve risks and uncertainties. Further information is contained within the press release, which we encourage you to review.

Additionally, management would refer to non-GAAP measurements, which are intended to supplement, but not substitute for the most directly comparable GAAP measures. The press release available on the website contains financial and/or other quantitative information to be discussed today as well as reconciliation of GAAP to non-GAAP measures. As a reminder, today's call is being recorded.

I will now turn the conference over to Mr. Mark Hardwick, Chief Executive Officer. Mr. Hardwick, you may begin.

Mark Hardwick

Good morning, and welcome to the First Merchants' full year 2023 conference call. Thanks for the introduction and for covering the forward-looking statement on Page 2. We released our earnings today at approximately 8:00 AM Eastern and you can access today's slides by following the link on the third page of our earnings release.

On Page 3 of our slides, you will see today's presenters and our bios to include Mike -- our President, Mike Stewart; Chief Credit Officer, John Martin; and Chief Financial Officer, Michele Kawiecki....

For further details see: