Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q3 2022 Earnings Conference Call October 20, 2022 2:00 PM ET
Company Representatives
Daniel Schrider - President, Chief Executive Officer
Phil Mantua - Chief Financial Officer
Aaron Kaslow - General Counsel, Chief Administrative Officer
Conference Call Participants
Catherine Mealor - KBW
Manuel Novice - D.A. Davidson
Operator
Good afternoon! Thank you for attending the Sandy Spring Bancorp Earnings Conference Call and Webcast for the Third Quarter. My name is Matt and I’ll be your moderator for today's call. [Operator Instructions].
I would now like to pass the conference over to our host, Dan Schrider, President and CEO of Sandy Spring Bancorp. Daniel, please go ahead.
Daniel Schrider
Thank you, Matt, and good afternoon everyone. Thank you all for joining us for our conference call to discuss Sandy Spring Bancorp’s performance for the third quarter of 2022. This is Dan Schrider and I'm joined here by colleagues Phil Mantua, Chief Financial Officer; and Aaron Kaslow, General Counsel and Chief Administrative Officer.
Today's call is open to all investors, analysts and the news media. There's a live webcast of today's call and a replay will be available on our website later today. Before we get started, covering highlights from the quarter and taking your questions, Aaron will give the customary Safe Harbor statement.
Aaron Kaslow
Thank you, Dan. Good afternoon, everyone! Sandy Spring Bancorp will make forward-looking statements in this webcast that are subject to risks and uncertainties. These forward-looking statements include statements of goals, intentions, earnings and other expectations, estimates of risks and future costs and benefits, assessments of expected credit losses, assessments of market risk and statements of the ability to achieve financial and other goals.
These forward-looking statements are subject to significant uncertainties, because they are based upon or affected by management's estimates and projections of future interest rates, market behavior, other economic conditions, future laws and regulations and a variety of other matters, including the impact of the COVID-19 pandemic, which by their very nature are subject to significant uncertainties. Because of these uncertainties, Sandy Spring Bancorp's actual future results may differ materially from those indicated. In addition, the company's past results of operations do not necessarily indicate its future results.
Daniel Schrider
Thank you, Aaron, and it’s good to be on the line with you this afternoon. To set the stage for our discussion today, it is important to acknowledge we are managing the company through an unprecedented environment, evidenced by the magnitude and pace of fed actions, as well as the raise of inflation and the expectation of recession.