Q4 2023 Financial Institutions Inc Earnings Call Transcript
Thank you for joining. I would like to welcome you all to the Financial Institution Inc. fourth-quarter and full-year 2023 earnings call. My name is Brica, and I will be your event specialist running today's [conference call]. (Operator Instructions)
And I would now like to pass the conference over to your host, President and CEO, Mr. Martin Birmingham, to begin. Martin, please go ahead.
Thank you for joining us for today's call. Providing prepared comments will be President and CEO, Marty Birmingham; and CFO, Jack Plants. There will be joined by additional members of the company's financial leadership teams during the question-and-answer session. Today's prepared comments and Q&A will include forward-looking statements.
Actual results may differ materially from forward-looking statements due to a variety of risks, uncertainties, and other factors. We refer you to yesterday's earnings release and investor presentation as well as historical SEC filings, which are available on our
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