Q3 2019 SmartFinancial Inc Earnings Call Transcript
Good day and welcome to the SmartFinancial Third Quarter 2019 Earnings Call. (Operator Instructions) Please note, this event is being recorded. I would like to turn the conference over to Miller Wellborn, Chairman. Please proceed.
Thank you, Francesca. Good morning, and thanks for joining us this morning. We appreciate your interest in SmartFinancial and SmartBank. Joining me this morning are Billy Carroll, our CEO and President; and Ron Gorczynski, our CFO.
Before we start, I'd like to ask you to please refer to the disclaimer page and our non-GAAP forward looking statements page, both of these were included in our earnings release yesterday and our investor deck that was filed this morning.
A couple of highlights for our third quarter. We do feel like we had a strong, very solid quarter. We've used the term intermittent last couple of days as a noise-free quarter, and that's rare for us, as you all know. $6 million in earnings for the Q3 is very solid for us, and our ROA
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