Jeffrey Tengel | executive |
Mark Ruggiero | executive |
Mark Fitzgibbon | analyst |
Stephen Moss | analyst |
Laura Hunsicker | analyst |
Christopher O'Connell | analyst |
Good morning, and welcome to the Independent Bank Corporation Third Quarter 2023 Earnings Call. [Operator Instructions] Before proceeding, please note that during this call, we will be making forward-looking statements. Actual results may differ materially from these statements due to a number of factors, including those described in our earnings release and other SEC filings. We undertake no obligation to publicly update any such statements.
In addition, some of our discussion today may include references to certain non-GAAP financial measures. Information about these non-GAAP measures, including reconciliation to GAAP measures, may be found in our earnings release and other SEC filings.