Operator
Welcome to the Northeast Financial institution First Quarter Fiscal 12 months 2026 Earnings Name. My identify is James, and I will probably be your operator for right this moment’s name. This name is being recorded.
With us right this moment from the financial institution is Rick Wayne, President and Chief Govt Officer; Richard Cohen, Chief Monetary Officer; Santino Delmolino, Company Controller; and Pat Dignan, Chief Working Officer and Chief Credit score Officer.
Previous to the decision, an investor presentation was uploaded to the financial institution’s web site, which we are going to reference on this morning’s name. The presentation may be accessed on the Investor Relations part of northeastbank.com beneath Occasions and Shows. Chances are you’ll discover it useful to obtain this investor presentation and comply with alongside throughout the name. Additionally, this name will probably be obtainable for rebroadcast on the web site for future use. [Operator Instructions] As a reminder, the convention is being recorded.
Please observe that this presentation incorporates forward-looking statements about Northeast Financial institution. Ahead-looking statements are based mostly upon the present expectations of Northeast Financial institution’s administration and are topic to dangers and uncertainties. Precise outcomes might differ materially from these mentioned within the forward-looking statements. Northeast Financial institution doesn’t undertake any obligation to replace any forward-looking statements.
I’ll now flip the decision over to Rick Wayne. Mr. Wayne, you could start.
Richard Wayne
President, CEO & Director
Thanks, and good morning, everybody. As I’m going by means of this presentation, as we undergo it, I wish to simply define what the agenda will probably be