SmartFinancial, Inc.

Hello, everyone, and welcome to the Smart Financial third quarter 2023 earnings release and conference call. My name is Seb, and I will be the operator for your call today. If you would like to ask a question on today's call, you can do so by pressing star one on your telephone keypad or press star two if you wish to withdraw your question. I will now hand the floor over to Nate Stroll to begin. Please go ahead.

Thanks, Seb. Good morning, everyone, and thank you for joining us for Smart Financial's third quarter 2023 earnings call. During today's call, we will reference the slides and press release 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 Goczynski, 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 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 might 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 release and investor presentation filed on October 23rd, 2023 with the SEC. And now, I'll turn it over to Chairman Miller-Wellborn to open our call.

Thanks, Nate. The third quarter of this year has been another quarter of incredibly busy activity for SmartBank. I'm very proud of how our team has remained steadfast to our mission and our objectives for the company. It's not a secret that our industry has been challenged this year. but we see the challenges as positive opportunities. We've made a strong effort to improve every line of business that we operate, and I do sincerely believe we're poised for a bright future. Our markets remain very strong, and we're fortunate to be located in the southeastern United States where the economy remains robust. We are very proud of what we were able to accomplish for the quarter. Our entire SMBK team is focused, determined, and very clear of our goals. With that, I'm going to turn it over to Billy. Thank you.