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MidWestOne Financial Group, Inc. (NASDAQ:MOFG)

Q4 2023 Earnings Conference Call

January 26, 2024, 12:00 PM ET

Company Participants

Barry Ray - Senior Executive Vice President and Chief Financial Officer

Charles Reeves - Chief Executive Officer

Len Devaisher - President and Chief Operating Officer

Gary Sims - Senior Vice President and Chief Credit Officer

Conference Call Participants

Terry McEvoy - Stephens

Damon DelMonte - KBW

Brian Martin - Janney Montgomery Scott

Operator

Good morning, ladies and gentlemen, and welcome to the MidWestOne Financial Group Incorporated Fourth Quarter and Full Year 2023 Earnings Call. During today's presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be open for questions and instructions to follow at that time. As a reminder, this call is being recorded.

I would now like to turn the call over to Barry Ray, Chief Financial Officer of MidWestOne Financial Group.

Barry Ray

Thank you, everyone, for joining us today. We appreciate your participation in our earnings conference call this morning. With me here on the call are Chip Reeves, our Chief Executive Officer; Len Devaisher, our President and Chief Operating Officer; and Gary Sims, our Chief Credit Officer.

Following the conclusion of today's conference, a replay of this call will be available on our website. Additionally, a slide deck to complement today's presentation is also available on the Investor Relations section of our website.

Before we begin, let me remind everyone on the call that this presentation contains forward-looking statements relating to the financial condition, results of operations and business of MidWestOne Financial Group, Inc. Forward-looking statements generally include words such as believes, expects, anticipates and other similar expressions. Actual results could differ materially from those indicated.

Among the important factors that could cause actual results to differ materially are interest rates, changes in the mix of the company's business, competitive pressures, general economic conditions and the risk factors detailed in the company's periodic reports and registration statements filed with the Securities and Exchange Commission.

MidWestOne Financial Group, Inc. undertakes no obligation to publicly revise or update these forward-looking statements to reflect events or circumstances after the date of this presentation.

I would now like to turn the call over to Chip.

Charles Reeves

Thank you, Barry, and good morning. On today's call, I'll provide a high-level overview of our fourth quarter results and an update on the significant progress that we've achieved executing our strategic plan over the last year. Len will then provide an update on our lines of business, and Barry will conclude with a more detailed review of our fourth quarter financial results.