Robert J. McCormick | Chairman, President and CEO |
Michael Ozimek | CFO |
Scot Salvador | EVP Commercial Banking |
Ian Lapey | Gabelli Funds |
Nick Ripostella | NR Management |
Good day, and welcome to TrustCo Bank Corp Earnings Call and webcast. All participants will be in a listen-only mode. [Operator Instructions]
Before proceeding, we would like to mention that this presentation may contain forward-looking information about TrustCo Bank Corp New York that is intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. Actual results, performance or achievements could differ materially from those expressed in or implied by such statements due to various risks, uncertainties and other factors.