Q4 2019 S&T Bancorp Inc Earnings Call Transcript
Ladies and gentlemen, good day, and thank you all for joining us for this S&T Fourth Quarter 2019 Earnings Call. (Operator Instructions) As a reminder, today's meeting is being recorded. And now to get it started with opening remarks and introductions, I am pleased to turn the floor over to our host, Mr. Mark Kochvar. Welcome, Mark.
Thank you very much. Good afternoon, everyone, and thank you for participating in today's conference call. Before beginning the presentation, I want to take time to refer you to our statement about forward-looking statements and risk factors, which should be on the screen in front of you. This statement provides the cautionary language required by the Securities and Exchange Commission for forward-looking statements that may be included in this presentation. A copy of the fourth quarter and full year 2019 earnings release can be obtained by clicking on the press release link on your screen or by visiting our Investor Relations website at stbancorp.com. I would now like to
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