Senior shortstop Bailey Welch reached first with a single and, when replaced by a pinch-runner, received an ovation as teammates left the dugout to greet him fo
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Operator
Good morning, everyone, and welcome to the National Bank Holdings Corporation 2021 First Quarter Earnings Call. My name is Mariama, and I will be your conference operator for today. [Operator Instructions] As a reminder, this conference is being recorded for replay purposes. I would like to remind you that this conference call will contain forward-looking statements, including, but not limited to, statements regarding the company s strategy, loans, deposits, capital, net interest income, noninterest income, margins, allowance, taxes and noninterest expense.
Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks, uncertainties and other factors, which are disclosed in more detail in the company s most recent filings with the U.S. Securities and Exchange Commission. These statements speak only as of the date of this call and National Bank Holdings Corporation undertakes no obligation to update or revise these
Operator
Ladies and gentlemen, thank you for standing by. And welcome to the Heritage Financial Earnings Call.
[Operator Instructions] Later, we will conduct a question-and-answer session. [Operator Instructions] And as a reminder, today s call is being recorded.
I would now like to turn the conference over to Mr. Jeff Deuel. Please go ahead.
Jeffrey J. Deuel
Chief Executive Officer and Director
Thank you, Cynthia. Welcome and good morning to everyone who called in, and those who may listen later. This is Jeff Deuel, CEO of Heritage. Attending with me are Don Hinson, Chief Financial Officer; Bryan McDonald, Chief Operating Officer; and Tony Chalfant, Chief Credit Officer. Our earnings release went out this morning pre-market and hopefully you have had an opportunity to review it prior to the call. We have also posted an updated first quarter investor presentation on the Investor Relations portion of our website. We will reference that presentation during the call. Please ref