Banner Corporation (NASDAQ:BANR) Q3 2024 Earnings Conference Call October 17, 2024 11:00 AM ET

Company Participants

Mark Grescovich - President and Chief Executive Officer
Rich Arnold - Head of Investor Relations
Rob Butterfield - Chief Financial Officer
Jill Rice - Chief Credit Officer

Conference Call Participants

Andrew Terrell - Stephens, Inc
Jeff Rulis - D.A. Davidson
David Feaster - Raymond James
Andrew Liesch - Piper Sandler
Kelly Motta - KBW
Timothy Coffey - Janney Montgomery Scott

Operator

Good morning or good afternoon, all, welcome to the Banner Corporation Third Quarter 2024 Conference Call and Webcast. My name is Adam and I'll be your operator for today. [Operator Instructions]

I will now hand the floor to Mark Grescovich to begin. So Mark, please go ahead when you are ready.

Mark Grescovich

Thank you, Adam, and good morning, everyone. I would also like to welcome you to the third quarter 2024 earnings call for Banner Corporation.

Joining me on the call today is Rob Butterfield, Banner Corporation's Chief Financial Officer, Jill Rice, our Chief Credit Officer, and Rich Arnold, our Head of Investor Relations.

Rich, would you please read our forward-looking safe harbor statement?

Rich Arnold

Sure, Mark. Good morning. Our presentation today discusses Banner's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about Banner's general outlook for economic and other conditions. We also may make other forward-looking statements in the question-and-answer period following the management's discussion. These forward-looking statements are subject to a number of risks and uncertainties and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ are available from the earnings press release that was released yesterday and the most recently filed form 10-Q for the quarter ended June 30, 2024. Forward-looking statements are effective only as of the day they are made and Banner assumes no obligation to update information concerning its expectations. Mark?

Mark Grescovich

Thank you, Rich. As is customary, today we will cover four primary items with you. First, I will provide you high level comments on Banner's third quarter 2024 performance. Second, the actions Banner continues to take to support all of our stakeholders, including our Banner team, our clients, our communities, and our shareholders. Third, Jill Rice will provide comments on the status of our loan portfolio. And finally, Rob Butterfield will provide more detail on our operating performance for the quarter, as well as comments on our balance sheet.