John H. Watt, Jr. | President & Chief Executive Officer |
Scott Kingsley | Chief Financial Officer |
Steve Moss | Raymond James |
Alex Twerdahl | Piper Sandler & Company |
Chris O'Connell | KBW |
Matthew Breese | Stephens Inc. |
Good day, everyone. Welcome to the conference call covering NBT Bancorp's Fourth Quarter and Full Year 2022 Financial Results. This call is being recorded and made accessible to the public in accordance with the SEC's Regulation FD. Corresponding presentation slides can be found on the company's website at nbtbancorp.com.
Before the call begins, NBT's management would like to remind listeners that as noted on Slide 2, today's presentation may contain forward-looking statements as defined by the Securities and Exchange Commission.