John Watt | President, CEO & Director |
John Moran | EVP & CFO |
Amy Wiles | EVP and Chief Credit & Risk Officer |
Alex Twerdahl | Piper Sandler & Co. |
Matthew Breese | Stephens Inc. |
Good day, everyone. Welcome to the NBT Bancorp Fourth Quarter 2020 Financial Results Conference Call. This call is being recorded and has been 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.