The Bank of N.T. Butterfield & Son Limited (NTB) Q3 2023 Earnings Call Transcript

The Bank of N.T. Butterfield & Son Limited (NYSE:NTB) Q3 2023 Earnings Call Transcript October 25, 2023 10:00 AM ET

Company Participants

Noah Fields – Head of Investor Relations

Michael Collins – Chairman and Chief Executive Officer

Craig Bridgewater – Chief Financial Officer

Michael Schrum – President and Chief Risk Officer

Conference Call Participants

David Feaster – Raymond James

Michael Perito – KBW

Alex Twerdahl – Piper Sandler


Good morning. My name is Andrea, and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2023 Earnings Call for The Bank of N.T. Butterfield & Son Limited. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.

I would now like to turn the call over to Noah Fields, Butterfield’s Head of Investor Relations. Please go ahead.

Noah Fields

Thank you. Good morning, everyone, and thank you for joining us. Today we will be reviewing Butterfield’s third quarter 2023 financial results. On the call, I’m joined by Michael Collins, Butterfield’s Chairman and Chief Executive Officer; Craig Bridgewater, Group Chief Financial Officer; and Michael Schrum, President and Group Chief Risk Officer. Following their prepared remarks, we will open the call up for a question-and-answer session.

Yesterday afternoon, we issued a press release announcing our third quarter 2023 results. The press release and financial statements, along with a slide presentation that we will refer to during our remarks on this call, are available on the Investor Relations section of our website at

Before I turn the call over to Michael Collins, I would like to remind everyone that today’s discussions will refer to certain non-GAAP measures which we believe are important in

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