SmartFinancial, Inc. (NASDAQ:SMBK) Q1 2023 Earnings Conference Call April 25, 2023 10:00 AM ET

Company Participants

Nate Strall - Director, Corporate Strategy

Miller Welborn - Chairman

Billy Carroll - President and CEO

Ron Gorczynski - Chief Financial Officer

Rhett Jordan - Chief Credit Officer

Conference Call Participants

Will Jones - KBW

Graham Dick - Piper Sander

Thomas Wendler - Stephens

Kevin Fitzsimmons - D.A. Davidson

Steve Moss - Raymond James

Brett Rabatin - Hovde Group

Feddie Strickland - Janney Montgomery Scott

Operator

Hello. And welcome to the SmartFinancial First Quarter 2023 Earnings Call. My name is Elliot, and I will be your coordinator for today’s call. [Operator Instructions]

I would now like to hand over to Nate Strall with SmartFinancial. The floor is yours. Please go ahead.

Nate Strall

Thank you, Elliot. Good morning, everyone. I am Nate Strall, Director of Corporate Strategy, and thank you for joining us for SmartFinancial’s first quarter 2023 earnings conference call. During today’s call, we will reference the slides and press release that are available within the Investor Relations section of our website, smartbank.com.

Chairman, Miller Welborn will begin the call followed by Billy Carroll, our President and Chief Executive Officer; Ron Gorczynski, 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 the 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 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 will see the reconciliation of these measures in the appendices of the earnings release and investor presentation filed on April 24, 2023, with the SEC.

And now, I will turn it over to Chairman, Miller Welborn to open our call.

Miller Welborn

Thanks, Nate. Good morning to all of you and we appreciate you joining us today for our Q1 2023 earnings call. We are excited to be on the call this morning to visit with each of you about our bank.

We continue to make great progress on all fronts and execute better every quarter and deliver quality shareholder returns. We thank you for the interest that you have in our progress and it’s important for us to hear your questions, comments and feedback.