First Interstate BancSystem, Inc. (NASDAQ:FIBK) Q4 2024 Earnings Conference Call January 30, 2025 11:00 AM ET

Company Participants

Nancy Vermeulen - Financial Communications & Analyst Manager
Jim Reuter - CEO
Marcy Mutch - CFO
David Della Camera - Deputy CFO

Conference Call Participants

Matthew Clark - Piper Sandler
Jeff Rulis - D.A. Davidson
Andrew Terrell - Stephens, Inc.
Chris McGratty - KBW
Samuel Varga - UBS
Timur Braziler - Wells Fargo

Operator

Good morning, ladies and gentlemen, and welcome to the First Interstate BancSystem Inc. Fourth Quarter Earnings Conference Call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question-and-answer session. [Operator Instructions]. This call is being recorded on Thursday, January 30, 2025.

I would now like to turn the conference over to Ms. Nancy Vermeulen. Thank you. Please go ahead.

Nancy Vermeulen

Thanks very much. Good morning and thank you for joining us for our fourth quarter earnings conference call.

As we begin, please note that the information provided during this call will contain forward-looking statements. Actual results or outcomes may differ materially from those expressed by those statements. I'd like to direct all listeners to read the cautionary note regarding forward-looking statements contained in our most recent Annual Report on Form 10-K filed with the SEC and in our earnings release, as well as the Risk Factors identified in the Annual Report and our more recent periodic reports filed with the SEC.

Relevant factors that could cause actual results to differ materially from any forward-looking statements are included in the earnings release and in our SEC filings. The company does not undertake to update any of the forward-looking statements made today.

A copy of our earnings release, which contains non-GAAP financial measures, is available on our website at fibk.com. Information regarding our use of