SmartFinancial(SMBK) - 2022 Q4 - Earnings Call Presentation

1. Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2) AOCI: Accumulated Other Comprehensive Income 3) CAGR: Compound Annualized Growth Rate 3 QUARTERLY HIGHLIGHTS: 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2) QoQ: Quarter-over-Quarter 3) "Loans" for purposes of this presentation includes all SmartFinanci ...