 MT Bank Corporation NYSE:MTB Q4 2022 Earnings Conference Call January 19, 2023 11:00 AM ET Company Participants Brian Klock - Head of Markets Investor Relations Darren King - Chief Financial Officer Conference Call Participants Matthew OConnor - Deutsche Bank John Pancari - Evercore ISI Ebrahim Poonawala - BofA Securities Manan Gosalia - Morgan Stanley Ken Usdin - Jefferies Steven Alexopoulos - JPMorgan Gerard Cassidy - RBC Capital Markets Operator Welcome to the MT Bank Fourth Quarter and Full Year 2022 Earnings Conference Call. Operator Instructions. 