Good morning, and welcome to the Prosperity Bancshares fourth-quarter 2024 earnings conference call. (Operator Instructions) Please note, this event is being recorded. I would now like to turn the ...

A: David Zalman, CEO, stated that they are on track with previous projections, expecting the NIM to be around 3.25% to 3.30% on average for 2025, with a slight increase by the end of the year.

Deregulation could accelerate bank mergers and acquisitions, which have been put on hold because of the current regulatory environment, said Prosperity Bank Senior Chairman and CEO David Zalman.

And here with me today is David Zalman, Senior Chairman and Chief Executive Officer; H.E. Tim Timanus Jr., Chairman; Asylbek Osmonov, Chief Financial Officer; Eddie Safady, Vice Chairman ...