...Unidentified Analyst Headquartered in Buffalo, New York. M&T's operations are concentrated in the Northeast and Mid-Atlantic states. They offer traditional banking services, trust, investment brokerage and mortgages. M&T has consistently had among the highest ROA -- the highest ROA, excuse me, among its peers. Joining me today is Daryl Bible, CFO, who joined M&T in 2023. Daryl is responsible for the overall financial management of the company. Daryl has over 3 decades of corporate finance and banking experience. And prior to joining M&T, he was CFO at Truist and its predecessor of BB&T. So thanks for joining us today. Daryl N. Bible ...