Miller Welborn | Chairman |
Billy Carroll | President and Chief Executive Officer |
Ron Gorczynski | Chief Financial Officer |
Rhett Jordan | Chief Credit Officer |
Nate Strall | Director of Corporate Strategy |
Graham Dick | Piper Sandler |
Brett Rabatin | Hovde Group |
Matt Olney | Stephens |
Feddie Strickland | Janney Montgomery Scott |
Kevin Fitzsimmons | D.A. Davidson |
Stuart Lotz | KBW |
William Wallace | Raymond James |
Hello, and welcome to today's SmartFinancial Fourth Quarter 2021 Earnings Call. Hi, my name is Bailey. I'll be your moderator for today's call. All lines will be muted during the moderation for today's call. [Operator Instructions] I would now like to pass the conference over to our host, Miller Welborn.