SmartFinancial, Inc. (NYSE:SMBK) Q3 2024 Earnings Conference Call October 22, 2024 10:00 AM ET
Company Participants
Nate Strall – Director of Strategy
Billy Carroll – President and CEO
Ronald Gorczynski – CFO
Rhett Jordan – EVP, Chief Credit Officer
Miller Welborn – Chairman
Conference Call Participants
Russell Gunther – Stephens
Brett Rabatin – Hovde Group
Steve Moss – Raymond James
Stephen Scouten – Piper Sandler
Christopher Marinac – Janney Montgomery Scott
Catherine Mealor – KBW
Operator
Hello all. And welcome to SmartFinancial Third Quarter 2024 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today [Operator Instructions].
I will now hand you over to your host, Nate Strall, Director of Strategy, to begin. Nate, please go ahead.
Nate Strall
Thanks, Ezra. And good morning, everyone. And welcome to the SmartFinancial’s third quarter 2024 earnings conference call. During today’s conference call, we will reference the slides and press release that is available in the Investor Relations section on our Web site, smartbank.com. Billy Carroll, our President and Chief Executive Officer, will begin our call followed by Ronald Gorczynski, our Chief Financial Officer, who will provide some additional commentary. We will be able 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 these results to differ materially in our press release and in our SEC filings, which are available on our Web site. We do not assume any obligation to update any forward-looking statements because of new information, early developments or otherwise except 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 October 21, 2024 with the SEC. And now I’ll turn
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