Impartial Financial institution Corp. (INDB) This fall 2023 Earnings Name Transcript

Impartial Financial institution Corp. (NASDAQ:INDB) This fall 2023 Earnings Convention Name January 19, 2023 10:00 AM ET

Firm Contributors

Jeff Tengel – Chief Govt Officer

Mark Ruggiero – Chief Monetary Officer and Head of Shopper Lending

Convention Name Contributors

Operator

Good day and welcome to the INDB Fourth Quarter 2023 Incomes Convention Name. All contributors’ might be in a listen-only mode. [Operator Instructions] After immediately’s presentation, there might be a chance to ask questions. [Operator Instructions]

Earlier than continuing, please be aware that in this name, we might be making forward-looking statements. Precise outcomes might differ materially from these statements on account of plenty of elements, together with these described in our earnings launch and different SEC filings. We undertake no obligation to publicly replace any such statements.

As well as, a few of our dialogue immediately might embody references to sure non-GAAP monetary measures. Details about these non-GAAP measures, together with reconciliation to GAAP measures, could also be present in our earnings launch and different SEC filings. These SEC filings could be accessed by way of the Investor Relations part of our web site.

Lastly, please additionally be aware that this occasion is being recorded. I might now like to show the convention over to Jeff Tengel, CEO. Please go forward.

Jeff Tengel

Thanks, Betsy, and good morning and thanks for becoming a member of us immediately. I am accompanied this morning by CFO and Head of Shopper Lending, Mark Ruggiero. Our fourth quarter and full-year efficiency was a strong one, all issues thought-about. Mark will take you thru the small print in a couple of minutes.

First, although, I would similar to to share some ideas briefly. I have been at Rockland Belief now nearly a yr, and it has been clear from my very first week right here that our North Star is the connections we construct with our clients, neighborhood members, and each other. What drives our colleagues is a shared imaginative and prescient to be the