Operator: Good morning ladies and gentlemen and welcome to the First Quarter 2024 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call.
First Quarter 2024 Net Earnings of $48.6 million, or $0.35 per share Return on Average Assets of 1.21%Return on Average Tangible Common Equity of 15.13% Net Interest Margin of 3.10% .
Fourth Quarter 2023 Net Earnings of $48.5 million, or $0.35 per share FDIC Special Assessment of $9.2 million Full Year 2023 Net Earnings of $221.4 million, or $1.59 per shareEfficiency.