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TrustCo Bank Corp NY (TRST) Q3 2024 Earnings Call Transcript

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TrustCo Bank Corp NY (TRST) Q3 2024 Earnings Call Transcript

TrustCo Bank Corp NY (NASDAQ:TRST) Q3 2024 Earnings Conference Call October 22, 2024 9:00 AM ET

Company Participants

Robert J. McCormick - Chairman, President & Chief Executive Officer

Mike Ozimek - Chief Financial Officer

Kevin Curley - Executive Vice President, Retail Banking

Conference Call Participants

Ian Lapey - Gabelli Funds

Operator

Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. All participants will be in listen-only mode. [Operator Instructions]

Before proceeding, we would like to mention that this presentation may include forward-looking information about TrustCo Bank Corp New York, that is intended to be covered by our safe harbor for looking-forward statements provided by the Private Securities Litigation Reform Act of 1995. Actual results, performance or achievements could differ materially from those expressed in or implied by such statements due to various risks, uncertainties and other factors.

More detailed information about these other risks and factors can be found in our press release that preceded this call and in our Risk Factors and Forward-Looking Statements section of our annual report on Form 10-K and updated on our quarterly reports on Form 10-Q. The forward-looking statements made in this call are valid only as of the date hereof and the company disclaims any obligation to update this information to reflect events or developments after the date of this call, except as may be applicable by law.

During today's call, we will discuss certain financial measures derived by our financial statements that are not determined in accordance with the U.S. GAAP. The reconciliations of such non-GAAP financial measures to the most comparable GAAP figures are included in our earnings press release, which is available under the Investor Relations tab of our website at trustcobank.com.

Please note also that today's event is being recorded and a replay of this

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