 SmartFinancial, Inc. NASDAQ:SMBK Q1 2022 Earnings Conference Call April 26, 2022 10:00 AM ET Company Participants Billy Carroll President and Chief Executive Officer Miller Welborn Chairman Ron Gorczynski Chief Financial Officer Rhett Jordan Chief Credit Officer Conference Call Participants Brett Rabatin Hovde Group Stephen Scouten Piper Sandler Kevin Fitzsimmons D.A. Davidson Matt Olney Stephens Feddie Strickland Janney Montgomery Scott Catherine Mealor KBW William Wallace Raymond James Operator Hello and welcome to the SmartFinancial First Quarter 2022 Earnings Call. 