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NBT Bancorp (NBTB) Q1 2021 Earnings Call Transcript

Operator Good day, everyone. Welcome to the NBT Bancorp First Quarter 2021 Financial Results Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SEC s Regulation FD. Corresponding presentation slides can be found on the company s website at nbtbancorp.com. Before the call begins, NBT s management would like to remind listeners that, as noted on Slide 2, today s presentation may contain forward-looking statements as defined by the Securities and Exchange Commission. Actual results may differ from those projected. In addition, certain non-GAAP measures will be discussed. Reconciliations for these numbers are contained within the appendix of today s presentation. [Operator Instructions]

NBT Bancorp (NBTB) Q1 2021 Earnings Call Transcript

NBT Bancorp (NBTB) Q1 2021 Earnings Call Transcript
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Community Bank System Inc (CBU) Q1 2021 Earnings Call Transcript

Operator Welcome to the Community Bank System First Quarter 2021 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note that this presentation contains forward-looking statements within the provisions of the Private Security Litigation Reform Act of 1995 that are based on current expectations, estimates, and projections about the industry, markets and economic environment in which the Company operates. Such statements involve risks and uncertainties that could cause results to differ materially from the results discussed in these statements. These risks are detailed in the Company s Annual Report and Form 10-K filed with the Securities and Exchange Commission.

Trustco Bank Corp N Y (TRST) Q1 2021 Earnings Call Transcript

Operator Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. [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 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 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.

OFG Bancorp (OFG) Q1 2021 Earnings Call Transcript

OFG Bancorp (OFG) Q1 2021 Earnings Call Transcript Motley Fool Transcribers © The Motley Fool Logo of jester cap with thought bubble. OFG Bancorp (NYSE: OFG) Operator Good morning. Thank you for joining OFG Bancorp s Conference Call. My name is Maria and I ll be your conference operator today. Our speakers are Jose Rafael Fernandez, Chief Executive Officer and Vice Chair of the Board of Directors, and Maritza Arizmendi, Chief Financial Officer. A presentation accompanying today s remarks can be found on our Investor Relations website on the homepage in the What s New box or on the quarterly results page. This call may feature certain forward-looking statements about management s goals, plans and expectations. These statements are subject to risks and uncertainties outlined in the Risk Factors section of OFG s SEC filings. Actual results may differ materially from those currently anticipated. We disclaim any obligation to update information disclosed in t

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