 SmartFinancial, Inc. NASDAQ:SMBK Q4 2022 Earnings Conference Call January 24, 2023 10:00 AM ET Company Participants Miller Welborn - Chairman William Carroll Jr. - President and Chief Executive Officer Ronald Gorczynski - Vice President and Chief Financial Officer Rhett Jordan - Chief Credit Officer Nate Strall - Director of Corporate Strategy Conference Call Participants Brett Rabatin - Hovde Group Thomas Wendler - Stephens Inc. Graham Dick - Piper Sandler Feddie Strickland - Janney Montgomery Scott LLC Catherine Mealor - KBW Operator Ladies and gentlemen, welcome to the SmartFinancial Inc. Earnings Release and Conference Call. My name is Glenn and Ill be the moderator for todays call. 