BJ Losch

“Our plan to create more sustainable earnings momentum is really working. As you can see in our earnings trends with reported EPS of 60 cents in the quarter and even stronger performance than the core operations.”

“With credit impacts moderating in line with our expectations a significant improvement is evident in our pre-tax income results in short our momentum continues with more to come so with that walt how about running through some of the financial highlights thanks bj good morning everyone diving into the quarter on page…”

“The promise of the Live Oak business model was displayed this quarter, resulting in very positive momentum across all areas of the company, from lending production to checking relationships to credit improvement to importantly revenue ppnr and eps growth key initiatives such as relationship building through checking…”

“Strong momentum continued in the first quarter in many areas across Live Oak as we continue to be proactive with credit reserving and navigate an uncertain environment.”

“On deck will be our CFO, Walt, and then I'll have a comment or two before we head to q a bj thanks jeff good morning everybody happy new year if i haven't talked to you or seen you uh since then let's get started on slide four and slide five live oak enters 2025 with some really excellent business momentum we're…”