TrustCo Bank Corp NY (NASDAQ:TRST) Q4 2023 Earnings Conference Call January 23, 2024 9:00 AM ET
Company Participants
Robert J. McCormick - Chairman, President and CEO
Michael M. Ozimek - CFO
Scot R. Salvador - EVP Commercial Banking
Conference Call Participants
Alex Twerdahl - Piper Sandler
Ian Lapey - Gabelli Funds
Greg Roeder - Adirondack Funds
Operator
Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions]
Before proceeding, we would like to mention that this presentation may contain forward-looking information about TrustCo Bank Corp NY that is intended to be covered by the Safe Harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. Actual results, performance, or achievements could differ materially from those expressed in or implied by such statements due to various risks, uncertainties, and other factors. More detailed information about these and other risk factors can be found in our press release that preceded this call and in the Risk Factors and Forward-Looking Statements section of our Annual Report on Form 10-K, and as updated by our Quarterly Reports on Form 10-Q. The forward-looking statements made on this call are valid only as of the date hereof and the company disclaims any obligation to update this information to reflect events or developments after the date of this call, except as may be required by applicable law.
During today's call, we will discuss certain financial measures derived from our financial statements that are not determined in accordance with US GAAP. The reconciliations of such non-GAAP financial measures to the most comparable GAAP figures are included in our earnings press release, which is available under the Investor Relations tab of our website at trustcobank.com.
Please also note that today's event is being recorded. A replay of the call will be available for 30 days, and an audio webcast will be available for one year as described in our earnings press release.
At this time, I would like to turn the conference over to Mr. Robert J. McCormick, Chairman, President, CEO. Please go ahead.
Robert J. McCormick
Good morning, everyone, and thank you for joining the call. As the host said, I'm Rob McCormick, President of the TrustCo Bank. I'm joined today as usual by -- as usual with Scot Salvador and Mike Ozimek. Scot will provide color on lending and credit quality, and Mike will follow my comments with detail on the numbers.