MidWestOne Financial Group, Inc. (NASDAQ:MOFG) Q4 2024 Earnings Conference Call January 24, 2025 12:00 PM ET

Company Participants

Barry Ray - Senior Executive Vice President, CFO & Treasurer
Charles Reeves - CEO
Len Devaisher - President & COO
Gary Sims - SVP & Chief Credit Officer

Conference Call Participants

Brendan Nosal - Hovde Group
Terry McEvoy - Stephens
Damon DelMonte - KBW
Nathan Race - Piper Sandler
Brian Martin - Janney Montgomery

Operator

Good morning, ladies and gentlemen, and welcome to the MidWestOne Financial Group Incorporated Fourth Quarter 2024 Earnings Call. During today's presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be opened for questions with 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 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