Shelly Doran | Director, Investor and External Communications |
Marty Birmingham | President & CEO |
Jack Plants | CFO |
Alex Twerdahl | Piper Sandler |
Bryce Rowe | Hovde Group |
Damon DelMonte | KBW |
00:03 Good morning. Welcome to today's Financial Institutions, Inc. Fourth Quarter Earnings Call. My name is Candice, and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for question-and-answer at the end.