Wesley Welborn | executive |
William Carroll | executive |
Ronald Gorczynski | executive |
Rhett Jordan | executive |
Graham Dick | analyst |
Kevin Fitzsimmons | analyst |
Feddie Strickland | analyst |
Stuart Lotz | analyst |
Brett Rabatin | analyst |
Good morning, and welcome to the SmartFinancial Fourth Quarter 2020 Earnings Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Miller Welborn. Please go ahead.
Thanks, Grant.