Q3 2019 TrustCo Bank Corp N Y Earnings Call Transcript
Good morning and welcome to the TrustCo Bank Corp. Third Quarter 2019 Earnings Call and Webcast. (Operator Instructions)
Before proceeding, we would like to mention that this presentation may contain forward-looking information about TrustCo Bank Corp New York 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 and trends could differ materially from those set forth in 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 has preceded this call and in the risk factors and forward-looking statement sections of our annual report on Form 10-K and as updated by our quarterly reports on Form 10-Q. The statements are valid only as of the date hereof, and the company disclaims any obligation to update this information except as may be required by acceptable law.
Today's presentation contains non-GAAP financial measures. The reconciliations of such measures to most
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