John Watt | executive |
Annette Burns | executive |
Scott Kingsley | executive |
Stephen Moss | analyst |
Christopher O'Connell | analyst |
Alexander Roberts Twerdahl | analyst |
Good day, everyone, and welcome to the conference call covering NBT Bancorp's Fourth Quarter and Full Year 2020 Financial Results. This call is being recorded and has been made accessible to the public in accordance with the SEC's Regulation FD. Corresponding presentation slides may 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. Actual results may differ from those projected.