TrustCo Bank Corp NY (NASDAQ:TRST) Q4 2018 Results Earnings Conference Call January 23, 2019 9:00 AM ET Company Participants Robert J. McCormick - President and CEO Mike Ozimek - CFO Scot Salvador - Chief Lending Officer Conference Call Participants Alex Twerdahl - Sandler O'Neill Operator Good morning, and welcome to the TrustCo Bank Corp Fourth Quarter 2018 Earnings Call and Webcast. [Operator Instructions] Before proceeding, we would like to mention that this presentation may contain forward-looking inf ...