 SmartFinancial, Inc. NASDAQ:SMBK Q2 2022 Earnings Conference Call July 26, 2022 10:00 AM ET Company Participants Miller Welborn - Chairman Billy Carroll - President Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Chief Financial Officer Nate Strall - Director of Corporate Strategy Conference Call Participants Stephen Scouten - Piper Sandler Catherine Mealor - KBW Matt Olney - Stephens Feddie Strickland Janney Kevin Fitzsimmons - D.A. Davidson Taylor Brodarick - Hovde Group Operator Good morning and welcome to the SmartFinancial Second Quarter 2022 Earnings Call. 