Q4 2023 Community Bank System Inc Earnings Call Transcript

Feb 10, 2024

Jan 23, 2024 / 04:00PM GMT
Operator

Good day and welcome to the Community Bank System Fourth Quarter 2023 earnings conference call. All participants will be in a listen-only mode. Should you need assistance, please signal conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions.

To ask a question, you may press star then one on your touchtone and to withdraw your question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Mr. Demeter Caribbean off President and Chief Executive Officer of Community Bank systems. Please go ahead, sir.

Dimitar Karaivanov Community Bank System - Inc. - President & CEO

Thank you, Jack.

Good morning, everyone, and thank you for joining Community Bank Systems Q4 2023 earnings call. The fourth quarter was an unusually noisy one for us. The Company achieved record revenues in the quarter with strong and balanced performance across all of our four businesses. In fact, when looking at the full year 2023,

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