Q4 2021 TrustCo Bank Corp N Y Earnings Call Transcript
Good day, and welcome to the TrustCo Bank Corp Earning Call and Webcast. (Operator Instructions)
Before proceeding, we would like to mention that the presentation may contain forward-looking information about TrustCo Bank Corp New York that is intended to be covered by the safe harbor and 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 the variation 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 an update via our quarterly reports on Form 10-Q. The statements are valid only as of date hereof, and the company's disclaimer any obligations to update this information, except as may be required by applicable law.
Today's presentation contains non-GAAP financial measures, the reconciliation of which measures to the most comparable
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