Dimitar Karaivanov | executive |
Joseph Sutaris | executive |
Alexander Roberts Twerdahl | analyst |
Stephen Moss | analyst |
Christopher O'Connell | analyst |
Matthew Breese | analyst |
Good day, and welcome to the Community Bank System Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.
I would now like to turn the conference over to Mr. Dimitar Karaivanov, President and Chief Executive Officer of Community Bank Systems. Please go ahead, sir.