Q4 2020 Financial Institutions Inc Earnings Call Transcript

Jan 29, 2021 / 01:30PM GMT

Release Date Price: $130

Transcript 8-K

Operator

Good morning, and welcome to the Financial Institutions, Inc. Fourth Quarter and Full Year 2020 Earnings Call. (Operator Instructions) Please note this event is being recorded. I would now like to turn the conference over to Shelly Doran, Director of Investor and External relations. Please go ahead.

Shelly J. Doran

Financial Institutions, Inc. - Senior VP and Director of Investor & External Relations

Thank you for joining us for today's call. Providing prepared comments will be President and CEO, Marty Birmingham; and CFO, Justin Bigham; Director of Financial Planning and Analysis, Mike Grover, will join us for Q&A.

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 historical SEC filings available on our Investor Relations website for a safe harbor description and a detailed discussion of the risk factors relating to forward-looking

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