SmartFinancial, Inc.

Hello and welcome to the Smart Financial first quarter 2023 earnings call. My name is Elliot and I'll be your coordinator for today's call. If you would like to register a question during the presentation, please press star followed by one on your telephone keypad. I'd now like to hand over to Nate Straw with Smart Financial. The floor is yours. Please go ahead.

Thank you, Elliot. Good morning, everyone. I'm Nate Straw, Director of Corporate Strategy, And thank you for joining us for Smart Financial's first quarter 2023 earnings conference call. During today's call, we will reference the slides and press release that are available within the investor relations section of our website, smartbank.com. Chairman Miller-Wellborn will begin the call, followed by Billy Carroll, our president and chief executive officer. Ron Gorzinski, chief financial officer, and Rhett Jordan, chief credit officer, will also provide commentary. We will be available to answer your questions at the end of the call. Our comments include forward-looking statements. These statements are subject to risks and uncertainties, and the actual results could vary materially. We list the factors that might cause results to differ materially in our press release and our SSE filings, which are available on our website. We do not assume any obligation to update any forward-looking statements because of new information, early developments, or otherwise, except as may be required by law. During the call, we will reference non-GAAP financial measures related to the company's performance. You will see the reconciliation of these measures in the appendices of the earnings release and investor presentation filed on April 24th, 2023 with the SEC. And now, I'll turn it over to Chairman Miller-Wellborn to open our call.

Thanks, Nate. Good morning to all of you, and we appreciate you joining us today for our Q123 earnings call. We're excited to be on the call this morning to visit with each of you about our bank. We continue to make great progress on all fronts, execute better every quarter, and deliver quality shareholder returns. We thank you for the interest that you have in our progress, and it's important for us to hear your questions, comments, and feedback. The first quarter of this year has been an interesting and challenging quarter for the banking industry, but at the same time, a very rewarding quarter for our company. SmartBank has been very focused on our clients, and we have had hundreds, if not thousands, of conversations with our clients and others in the communities we serve. These conversations have allowed us to tell our SmartBank story and also to share with others about the strength and the importance of the community banking system in the Southeast. We're very proud of what we were able to accomplish for the quarter. Our Q123 versus Q124 increase in earnings for the bank was strong. And I also believe we executed much better than most of our competition for the quarter. I'm proud of the entire team for the focus and continued improvements we've made this quarter. With that, I'm going to turn it over to Billy.