 NBT Bancorp Inc. NASDAQ:NBTB Q4 2022 Earnings Conference Call January 24, 2023 8:30 AM ET Company Participants John H. Watt, Jr. - President Chief Executive Officer Scott Kingsley - Chief Financial Officer Conference Call Participants Steve Moss - Raymond James Alex Twerdahl - Piper Sandler Company Chris OConnell - KBW Matthew Breese - Stephens Inc. Operator Good day, everyone. 