Mark Tryniski | President and CEO |
Joseph Sutaris | EVP and CFO |
Dimitar Karaivanov | EVP of Financial Services and Corporate Development |
Alex Twerdahl | Piper Sandler |
Matthew Breese | Stevens |
Chris O'Connell | KBW |
Erik Zwick | The Hovde Group |
Welcome to the Community Bank System Fourth Quarter and Full Year 2022 Earnings Conference Call. Please note that this presentation contains forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 that are based on current expectations, estimates and projections about the industry, markets and economic environment in which the company operates. Such statements involve risk and uncertainties that could cause actual results to differ materially from the results discussed in these statements. These risks are detailed in the company's Annual Report and Form 10-K filed with the Securities and Exchange Commission.
[Operator Instructions] Please also note that this call is being recorded today.