SmartFinancial, Inc. (NYSE:SMBK) Q4 2021 Earnings Conference Call January 25, 2022 10:00 AM ET Company Participants 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 Conference Call Participants Graham Dick - Piper Sandler Brett Rabatin - Hovde Group Matt Olney - Stephens Feddie Strickland - Janney Montgomery Scott Kevin Fitzsimmons - D.A. Davidson Stuart Lo ...