SmartFinancial, Inc.

Hello, everybody, and welcome to today's conference call titled Smart Financial Second Quarter 2023 Earnings Release and Conference Call. My name is Ellen, and I'll be collecting the call for today. During the presentation, if you would like to ask a question, please press star followed by one on your telephone keypad to join the question queue. I'll now hand over to our host, Nate Stroll, Director of Corporate Strategies, to begin. Nate, please proceed whenever you're ready.

Thanks, Alan. Good morning, everyone, and thank you for joining us for Smart Financial's second quarter 2023 earnings conference call. During today's call, we will reference the slides and press releases that are available within the investor relations section on our website, smartbank.com. Chairman Miller-Wellborn will begin the call, followed by Billy Carroll, our president and chief executive officer. Ron Gorchinsky, our chief financial officer, and Rep Jordan, our chief credit officer, will also provide commentaries. We will be available to answer your questions at the end of our 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 may cause results to differ materially in our press release and in our SEC 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 may see the reconciliation of these measures in the appendices of the earnings relief and investor presentation filed on July 24th, 2023 with the SEC. And now, I'll turn it over to Chairman Miller-Wellborn to open our call.

Thanks, Nate, and good morning, everyone, and thanks for joining us today. The second quarter of this year was a challenging quarter for the entire banking industry. There's been a tremendous amount of turmoil and quite frankly, a ton of bad press about the stability of our banking industry. I'm very proud of how our team has remained steadfast to our mission and our objectives for the company. We have made a strong effort to be in our communities and share our thoughts and updates about not only SmartBank, but also the Southeastern region and the industry as a whole. SmartBank has been very focused on our clients. and we've held multiple town hall gatherings in many of our markets. These conversations have allowed us to tell our smart bank 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. 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.