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C. Michael Zabel
(716)842-5385

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Document Archive

 

Annual Report Messages                           

Message to Shareholders
March 7, 2014

Message to Shareholders
March 6, 2013

Message to Shareholders
February 23, 2012

Message to Shareholders
February 18, 2011

Message to Shareholders
February 19, 2010

Message to Shareholders
February 20, 2009

Message to Shareholders
February 21, 2008

Message to Shareholders
February 23, 2007

Message to Shareholders
February 24, 2006

Message to Shareholders
February 17, 2005

Message to Shareholders
February 18, 2004

Message to Shareholders
February 20, 2003

Message to Shareholders
February 19, 2002

 

Annual Reports

2012 Annual Report [PDF]
2011 Annual Report [PDF]
2010 Annual Report [PDF]
2009 Annual Report [PDF]
2008 Annual Report [PDF]
2007 Annual Report [PDF]
2006 Annual Report [PDF]
2005 Annual Report [PDF]
2004 Annual Report [PDF]
2003 Annual Report [PDF]
2002 Annual Report [PDF]
2001 Annual Report [PDF]

Annual Meeting Speeches

Remarks to Annual Meeting of Shareholders
April 15, 2014

Remarks to Annual Meeting of Shareholders
April 16, 2013

Remarks to Annual Meeting of Shareholders
April 17, 2012

Remarks to Annual Meeting of Shareholders
April 19, 2011

Remarks to Annual Meeting of Shareholders
April 20, 2010

Remarks to Annual Meeting of Shareholders
April 21, 2009

Remarks to Annual Meeting of Shareholders
April 15, 2008

Remarks to Annual Meeting of Shareholders
April 17, 2007

Remarks to Annual Meeting of Shareholders
April 18, 2006

Remarks to Annual Meeting of Shareholders
April 19, 2005

Remarks to Annual Meeting of Shareholders
April 20, 2004

Remarks to Annual Meeting of Shareholders
May 20, 2003

Remarks to Annual Meeting of Shareholders
April 16, 2002

 

Speeches

Speech to ANHD Conference - New York, NY
Robert G. Wilmers
March 15, 2012

Speech to American Banker Symposium - Washington, DC
Robert G. Wilmers
Sept. 19, 2011

Remarks at SBA Lenders Conference - Buffalo, NY
Robert G. Wilmers
August 17, 2011
 
 

Economic Analysis

Economic Outlook - March 2014
Gary Keith, M&T Bank Regional Economist

Economic Outlook - August 2012
Gary Keith, M&T Bank Regional Economist

Economic Outlook - March 2012
Gary Keith, M&T Bank Regional Economist


 

 


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