...A. Overview: Favorable results highlight the strength and diversity of MTB's business model in current challenging environment. 1. 2. Revenue in fee-generating businesses was particularly strong, including mortgage banking, trust and brokerage, and payments. 3. Credit trends are stable to improving, illustrated by net charge-offs, [about half] long-term avg., a modest reserve release and little change in level of non-accrual loans. 4. In alignment with strong revenue trends and improved profitability over last year, incentive compensation is rising. 5. Capital levels continue to rise. 6. CET1 ratio is near record high as Co. awaits closing of People's United merger. B. Results: Diluted GAAP common EPS $3.69, improved from $3.41 in 2Q21 and $2.75 in 3Q20. 1....