Billy Carroll | President and Chief Executive Officer |
Miller Welborn | Chairman |
Ron Gorczynski | Chief Financial Officer |
Rhett Jordan | Chief Credit Officer |
Brett Rabatin | Hovde Group |
Stephen Scouten | Piper Sandler |
Kevin Fitzsimmons | D.A. Davidson |
Matt Olney | Stephens |
Feddie Strickland | Janney Montgomery Scott |
Catherine Mealor | KBW |
William Wallace | Raymond James |
Hello and welcome to the SmartFinancial First Quarter 2022 Earnings Call. My name is Lauren and I'll be coordinating your call today. [Operator Instructions]. I'll now hand you over to our host, Miller Welborn, to begin. Miller, please go ahead.