SmartFinancial, Inc.

Thank you for dialing in today. Can I take your name, please? Hello, you're through to an operator. Can I please take your name? Hello, you're through to an operator. Can I please take your name? Hello? Hello, if you can hear me, I need to take your name, please. and your company, please. And your city location, please. Thank you, and a telephone number, please.

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We acquired this Chattanooga-based insurance agency during the quarter and are very excited to merge it into our existing platform. This agency has a great business line focused on the trucking and transportation insurance business. As many of y'all know, we have some great ties into that industry, particularly with Miller's background and experience, and we're very excited to create some synergies to grow this fee-generating business line. Before I turn it over, just a couple of other notes. Both new markets and legacy markets are all performing very well. We just opened their Birmingham, Alabama office, and our Brentwood Franklin office in the Nashville MSA is slated to open in Q4. Our team from Fountain Equipment Finance is having an outstanding year. We have almost doubled the size of that balance sheet since acquiring this equipment finance group a couple of years ago, and we have some great momentum there. We have a number of things going very well in our company. So let me go ahead and turn it over to Rhett to walk through the balance sheet and credit, and Ron will then provide some additional details on the income and expense side.