Mark Tryniski | President and Chief Executive Officer |
Joseph Sutaris | Executive Vice President and Chief Financial Officer |
Scott Kingsley | Executive Vice President and Chief Operating Officer |
Joe Serbun | Senior Vice President and Chief Credit Officer |
Joe Fenech | Hovde Group |
Alex Twerdahl | Piper Sandler |
Erik Zwick | Boenning and Scattergood |
Russell Gunther | D. A. Davidson |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jeffrey |
William Wallace | Raymond James |
Welcome to Community Bank System First Quarter 2020 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 projection 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. Today's call presenters are Mark Tryniski, President and Chief Executive Officer and Joseph Sutaris, Executive Vice President and Chief Financial Officer.