Q4 2023 SmartFinancial Inc Earnings Call Transcript
Hello, everyone, and welcome. My name is Ger, and I'll be your conference operator today. At this time, I would like to welcome everyone to the SmartFinancial fourth-quarter 2023 earnings release and conference call. (Operator Instructions)
I will now turn the call over to your host, Nate Strall. Please go ahead.
Good morning, everyone, and thank you for joining us for SmartFinancial's fourth-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 on 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
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