Mark Tryniski | President and Chief Executive Officer |
Joseph Sutaris | Executive Vice President and Chief Financial Officer |
Joseph Serbun | Executive Vice President and Chief Banking Officer |
Alex Twerdahl | Piper Sandler |
Russell Gunther | D.A. Davidson |
Matthew Breese | Stephens Inc. |
Chris O'Connell | KBW |
Erik Zwick | Boenning & Scattergoodc |
William Wallace | Raymond James |
Good morning, and welcome to the Community Bank System Fourth Quarter 2021 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note that this presentation contains forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 and that are based on current expectations, estimates and projections about the industry, markets and economic environment in which the company operates. Such statements involve risks 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.