Good day, and welcome to the SmartFinancial second quarter 2021 earnings conference call. I would now like to turn the conference over to Miller Welborn. Please go ahead. Thanks, Tom. Good morning, and thanks for joining us this morning for our Q2 2021 earnings call. We always love visiting with this group each quarter to talk about our progress and our company. Joining me on the call today are Billy Carroll, our President and CEO, Ron Gorczynski, our CFO, Rhett Jordan, our CCO, and Nathan Strall, our Director of Investor Relations. Before we get started, I'd like to ask each of you to please refer to page two of our deck that we filed this morning for the normal and customary disclaimers and forward-looking statements comments. Please take a minute to review these. Folks, it's another great quarter by our team here at SmartBank. The passion and the energy, and execution by all our team this year has been phenomenal. We've always touted the strength and energy of the SmartBank team. Hopefully folks are beginning to recognize we are serious. Our organic pace of growth has been impressive. We see nothing slowing that down in the months ahead. Between very strong markets and the addition of several new sales team members and a new market lift-out, we feel we're positioned perfectly to continue on our current pace. We talk often about how excited we are and where we are as a company. I can't stress enough about how we feel this company is positioned today. With that, I'm going to turn it over to Billy. Thanks, Miller. Good morning, everyone. Great work on the call today. As Miller said, another extremely solid quarter for our company. The first half of 2021 has been very exciting. We demonstrated again this quarter just how our company is becoming one of the Southeast's best banks while building value for our shareholders. I'm going to hit on a couple of highlights and then turn it over to Ron to dive into financials and Rhett to touch on credit. We did have some great highlights for the quarter, starting with earnings and tangible book value, a very nice income quarter with operating earnings coming in at $9.1 million, or $0.60 a share, and TBV has increased to $18.69, a 10% increase year-over-year. We also had outstanding growth, which is to me one of our strongest highlights. Net organic growth on the loan side, excluding PPP numbers, was over $87 million, or 16% annualized. Our lending teams continue to do a great job, and we're seeing that growth balanced throughout all of our markets. Deposit growth continued to be solid as well, as we continue to pick up great core clients with deposits increasing over $90 million during Q2. Looking at the slide deck that Miller referred to, I'll note on page four, we received a 5th consecutive regional Top Workplace Award this quarter. We talk a lot about our numbers, which are very important, but it's also important to recognize the culture we are building in this company. We're a great place to work, and I really believe that separates us from the pack. Moving to slide five, this is a great slide to show just where some of our efforts have been focusing this year. If you'll note first on the left side of this page, we are very excited to announce today the addition in our Alabama market with an expansion into Auburn. We've lifted out a great group of commercial bankers from a local regional bank there and are very thrilled to be in one of Alabama's fastest growing communities and another great Southeastern college town. On the right side of the slide, you'll see some of our initiatives. The Sevier County Bank acquisition is moving along nicely and on track for closing this quarter, along with an October systems conversion and rebrand. Their bank has continued to perform well, ahead of budget numbers through the first half, and we're excited to get them integrated soon. Our Fountain Equipment Finance acquisition closed in early May and was integrated in Q2. This company is a great addition to our franchise and specializes primarily in the financing of heavy equipment, tractors, and trailers. All the company's principals are staying with us and look forward to leveraging our larger balance sheet to scale an already very successful business. Ron's going to speak to Fountain's financial impacts in a moment. The lift-out of the banking team in our Gulf Coast region during Q1 has seen early success. We expect them to be accretive faster than we had originally planned. I'll speak more of the lift-outs in my closing comments. Before I hand it to Ron, let me touch on finally on slide six. Our revenue diversification efforts are continuing to gain strength as seen on this slide. These business lines and subsidiaries are already contributing nicely to our revenue line and will play an even more important role as we scale. As you can tell, we've got some great things going on, some great things happening in our company right now. Let me hand it over to Ron to dive into financials in greater detail. Ron? Thanks, Billy, and good morning, everyone. I will be starting with slide eight, quarterly highlights. These are some of our high-level metrics for the last few quarters. We have had solid performance with continuing net interest income growth. Operating pretax pre-provision earnings for the quarter totaled $11.6 million. We also reported diluted operating earnings of $0.60 per share, an increase of 25% when compared to the prior year quarter. Moving on to slide nine, performance trends. As both Billy and Miller have indicated, not only did we have a great quarter, but also a great first six months of 2021. As shown on the slide, we have created much momentum over the last eight quarters, continuing our strong growth trends with assets reaching almost $3.7 billion at quarter end. Our loan growth continues to be a bright spot for us, with having over $87 million of net organic loan growth for the quarter and over $53 million of acquired leases from our Fountain acquisition. Additionally, we had almost $160 million of our PPP loans forgiven during the quarter, which we'll go over in a few more slides. Our loan pipelines continue to remain strong, and we are starting to see the PPP forgiveness process ramp up for the 2021 vintage. Our deposits continue to grow and end the quarter at over $3.1 billion. Moving on to slide 10. This slide represents five quarters of much activity with escalated loan provisions, high amounts of excess liquidity, and PPP fee accretion. Focusing on the ROA metrics on the top graph, we are starting to get back to more normalized run rate. Moving on to the lower portion of the slide, our assets continue to grow. We believe a more consistent gauge of performance in this current environment is our operating return and average return on common equity, which was at 5.9% for the second quarter, representing some stabilization from what we've been recording in the prior periods. Turning to slide 11, as Billy indicated, our tangible book value per share was $18.69, an increase of 6.5% on a linked-quarter annualized basis. As the graph reflects, we have consistently been growing in terms of the book value. On the lower portion of the graph, our operating efficiency ratio, represented by the green line, continues to hover at the lower sixties level. The current quarter was slightly elevated due to the initial costs associated with the Gulf Coast team lift-out with the acquisition of Fountain. Turning now to slide 12, balance sheet and our margin. Starting with earnings on the upper left, current loan outstanding compared to the prior year did not change dramatically due largely from our PPP loan activity. Our loan portfolio composition continues to evolve. Rhett will provide more loan information shortly. For our deposits, we had increases of $90 million when compared to the prior linked quarter and increases over $600 million when compared to the same prior-year quarter. Currently, our time deposits represent 16% of our deposits, down from 26% from the prior year, with the shift going into money market and savings accounts. At quarter end, we had over $800 million in non-interest bearing deposits, which represented 26% of our deposit portfolio. Our current loan-to-deposit ratio was at 78.6%, a big change from the 94.8% for the same prior-year quarter. Moving on to the right side of the slide. Our net interest income, NII, was over $27 million, slightly higher than the prior year quarter's $26.4 million, and our average earning assets total $3.3 billion, an increase of $218 million. We reported a net margin of 3.29%, a decline of 19 basis points from the prior quarter. This decline was primarily related to, one, the reduced amount of discount loan and PPP fee accretion reported for the current quarter, and two, our elevated liquidity position. During the quarter, our loan and lease yields decreased by 50 basis points to 4.52%, primarily from $1.1 million less in discount loan and PPP fee accretion, as previously mentioned. Offsetting this decrease was the partial quarter addition of lease income from Fountain, which was 11 basis points accretive to our loan and lease yields. For our non-interest bearing deposits, we had a decrease in funding cost of 5 basis points to 0.39%, with our cost of total deposits for the quarter at 0.29%. For our time deposits during the first quarter of 2021, we will have over $100 million or 20% of our time deposits maturing and repricing at a weighted average cost of 82 basis points. At this point, the majority of our higher-cost time deposits have been repriced. As mentioned in our last earnings call, we believe our core NIM has bottomed, but we are still experiencing elevated cash balances, which increased over $113 million for the quarter, totaling an average quarterly balance of $531 million. This elevated position of excess liquidity has negatively impacted our margin by over 30 basis points. With continued rate uncertainty, we still are being patient with our cash position and deployment. Currently, with our abundant liquidity and favorable funding mix, we are able to strategically move forward with opportunities. Looking forward, we are forecasting a 3rd quarter margin around 3.35%. We're estimating to have loan accretion of 12 basis points or approximately $758,000, an estimated PPP loan fee accretion of 30 basis points, approximately $1.1 million. Moving on to slide 13, operating non-interest income. We had another solid quarter of non-interest revenue. As you can see from the quarters presented, we continue to build consistent quarter-over-quarter revenue growth trends. Our associates continue to place much emphasis on building our non-interest revenue, with us having revenue increases almost 50% from the prior-year quarter. Some of our current activity includes increases in our service charge and interchange fee income. Continued increases from investment services with continued growth in assets under management. For our mortgage banking team, we had another consistent quarter. As expected, our Q2 income was steady with revenues totaling $1.1 million. Our pipeline continues to remain strong even with the headwinds from increased building prices, decreased inventory, and delayed projects. We are still expecting similar production as in the past two quarters. Our other income category included additional fee income from our Fountain acquisition. Looking forward into the third quarter, we are up and running with our capital markets initiative and are starting to recognize some interest rate swap fees. Our forecast for the third quarter is having non-interest income of $5.5 million. Moving on to slide 14, you'll find our operating non-interest expenses. Here as well, our team has continued its discipline around expense management. Over the last several quarters, our expenses have remained relatively consistent. For the current quarter, our non-interest expenses have increased slightly, primarily in our salary and employee benefits expenses from having a full quarter expense from the Gulf Coast team lift out and two months expense from our Fountain acquisition. All the other increases in the various expense categories were primarily operational items stemming from our lift out and Fountain acquisition, as well as our overall franchise growth. Looking forward, our forecast for the third quarter is having non-interest expenses around $22 million, with salary and benefit expense around $13.5 million range. To finish off this slide, let's touch base on taxes. Our income taxes for the current quarter reported an effective tax rate of 22%. We are forecasting our effective tax rate of 21.5%-22% for the third quarter of 2021. At this point, I'll be handing over the slides to Rhett Jordan, our Chief Credit Officer, to go over loan and credit-related info. Rhett? Thank you, Ron. As Ron noted on slide 12, our loan portfolio continues to show good diversification across the loan segments, with 16% annualized organic loan growth quarter-over-quarter of approximately $87 million, and the overall portfolio mix being similar to previous quarters and the same period prior year. As mentioned, the portfolio has seen consistent growth this year spread across all geographic areas of our footprint. Our CRE portfolio has seen the most growth during the six-month period year to date, moving to approximately 39% of total portfolio outstandings as compared to 35% at Q2 2020. This trend has primarily been the result of various owner-occupied and non-owner occupied commercial projects restarting that were delayed during 2020 because of COVID. The continued strong housing demand, driven significantly by permanent resident relocations into our core markets as well as corporate relocations into our three business-friendly states, have been a tremendous contributor to the bank's loan and deposit growth opportunities. All in all, a very solid quarter with strong organic loan growth in the portfolio. Slide 15 shows our overall asset quality metrics that continued to trend positive and resulted in one of our stronger quarters historically in key ratios. While we saw our loan outstandings realize solid growth in the first half of the year, our overall credit quality metrics continued to perform very well. Our NPA ratio improved to 0.17%, down from 0.29% at first quarter 2021 and down from 0.31% at the year-end 2020. Net charge-offs for the quarter were 0.01%, and the over 30-day past due ratio was down to 0.27%. Classified loans at 0.29% of total loans are also down from prior quarter and year-end ratios. Overall, our asset quality continues to demonstrate solid metrics resulting from continued strong economic recovery in our marketplaces and stays in line with best-of-class levels. Our outlook is positive for the balance of the year, and we expect our historically consistent performance to continue in upcoming periods. As for our PPP loan book, we've seen considerable forgiveness activity in the first half of 2021. As of quarter end, as noted on slide 16, we have successfully processed and posted forgiveness payoffs on 2,743 applications or 93% of the round one originations for just over $260 million in balances. We ended the quarter with about $40 million in balances remaining from round one, on which we are actively working with borrowers to complete the forgiveness phases and/or finalize repayment structures on any unforgiven residual balances. We anticipate the remaining phase one unforgiven loans to cycle through in the next 60 days, and we'll be actively reaching out to round two clients to begin those forgiveness applications as soon as covered periods expire and the clients are ready to submit their applications. Our final round two process generated 1,801 loan applications for total outstanding balances of just over $138 million and roughly $7 million in fee generation. Overall, the PPP projects have proven to be a very successful venture for our company, generating 4,700 plus loans totaling $439 million in balances and $17 million in fee revenue for the bank, all the while creating considerable prospect opportunities for our teams. Now I'll turn it back over to Ron to talk you through our allowance position for the quarter. Hey, thanks, Rhett, for all the detail. I'm sorry, going to slide 17, loan loss reserve. As Rhett had indicated, we continued our great stats for our credit quality. For the current quarter, we did not require a provision and had our allowance at adequate levels. We were able to accommodate the provision for our organic loan growth from both the improving economic environment within our footprint and other qualitative factors. We did not require a provision for our lease portfolio on acquisition date, but should have a provision going forward for our new lease production. At quarter end, our allowance for loans and leases less PPP loans was at 0.86%, and our credit reserves to total loans and leases less PPP loans was at 1.37%. Moving on to slide 18, which gives us some information on our current capital position. Our capital ratios remain strong. We had a slight decrease from the third quarter as we utilized capital for both our strong loan growth and for our Fountain acquisition. During the quarter, we had $906,000 of cash dividends paid, and we did not have any stock repurchases as we have paused our stock repurchase program until after the acquisition of Sevier County Bank shares. At our current levels, we are well positioned. We are big believers in leveraging our capital and believe we are appropriately leveraged at this time. We expect to see a gradual build on capital as we grow our loan portfolio and shrink our cash position. This mix shift will drive profitability while pausing overall asset growth and conserving capital. With that said, I turn it back over to Billy. Thanks, gentlemen. To add a little more color from my standpoint as I close, our markets are all performing extremely well. I wanted to take a minute for a couple of statistics because I do believe one of the biggest differentiators is our collection of these great smaller metro markets. We're seeing just phenomenal trends in these zones. Our Sevier County, Tennessee market, which is the Pigeon Forge, Gatlinburg tourism area, had gross sales receipts that were up 46% in Q1 2021 compared to Q1 2019. Just phenomenal growth in our tourism zone. Our Mobile, Baldwin County, Alabama market, looking at population trends, we are seeing solid growth with every graph that we look at moving up and steeply to the right, just phenomenal growth from the population standpoint in those zones. Chattanooga's MSA, for example, is reporting historically low home inventory, down 50% from last year as more people are relocating to this outstanding city. We're seeing these same types of trends in Knoxville, Murfreesboro, and Tuscaloosa. The Southeast is poised for great continued growth, and it's one of the reasons you have seen us pivot a bit as we look to more commercial banking lift-out opportunities. Auburn, Alabama, is a great example of this and is a perfect market for our company, a rapidly growing small metro MSA with one of the South's best universities. The team we've added there of well-trained, sophisticated bankers will quickly become an additive to our franchise. We want to do more of this and to continue to explore these lift-out opportunities as a strategic focus for the coming quarters. Our loan pipelines continue to be robust and are equally distributed across all of our markets. Like everybody, we're fighting some payoffs and pay downs with excess liquidity, but we feel we can keep growing at a solid high single digits pace, or maybe even better, as we've demonstrated this quarter. It's a very exciting time to be part of this company as an associate and as an investor, and we're positioned well to be opportunistic moving forward. I'll stop there, and we can open it up for questions. Thank you. We will now begin the question-and-answer session. To ask a question, press star then one on your touch-tone phone. If you are using a speaker phone, please pick up your handset before pressing the keys. If at any time your question has been addressed and you are about to withdraw your question, press star then two. The first question comes from Brett Rabatin with Hovde Group. Please go ahead. Hi. Good morning, guys. This is actually Ben Gerlinger for Brett. Hi, Ben. I just wanted to start off, you guys have a lot of irons in the fire here. You have the new Auburn team, the Gulf Coast team is ramping up and becoming more accretive than originally expected. Fountain, you got a majority of a quarter into the second quarter results, and then Sevier County next quarter. With all these different moving pieces, you guys continue to have solid loan growth, and the margin looks to be pretty solid, especially with the guidance that it's going to be higher going forward. I was curious, if you back out Sevier County, which would likely add around 300 or so net loans. Maybe that's a little aggressive, but if you back out Sevier County, I was curious if you guys had any sense of what you think total loan balances would be by the end of this year. Total loan balances. Ron, do you have that handy, or is that something we might need to circle back with Ben on? I think we've got to have you have it at your fingertips. Yeah, I think it's going to be. Give me a second here. I do have that. Actually, I think it would be similar to where they're at, I think $2.4 billion, almost $2.5 billion. We're not going to see much growth in loan balances. We're only going to have a trade-off between remaining PPP loans to our originated portfolio. How about I get back to you on that? I'm not putting my hands on this exactly quick enough. You are right. There's a bunch going on around here and pretty energetic group. Yeah, I'm sorry. At $2.52 billion is what our totals are, not including Sevier County. Okay, great. That's really helpful. You guys obviously have a good insight into how fast Gulf Coast and then now the Auburn team can definitely bring over. Yeah. I think it's important. It really is. We have been thrilled with what we have seen from these lift-out opportunities thus far. It's the reason for my comments of looking for additional opportunities like this. We're in such a great spot now because our size is giving us the ability to do more of this. I think we're positioned well to really take advantage of these great bankers and can then service those middle-market clients that they have. Right. Yes, absolutely. I think it's a great opportunity for you guys. That goes into my next question. With these lift- outs, should that be viewed as the go-forward plan of inorganic growth, I guess you could say? Do you guys see the potential for more acquisitions? I'll take that. Miller, y ou can chime in. I think we're always looking for opportunities, and I think we're an opportunistic group, an entrepreneurial group. We always have been. I do think at this time, and I'll make a comment, I think you're seeing us pivot a little bit. I think our company now that we've gotten this thing up, we'll be at $4 billion in assets, give or take, after the acquisition. Our earnings streams are really starting to kick in. We've got the ability to really grow our company in a more sophisticated way. We'd love to do more of that. I think you would see us focus near-term on a little more of that versus M&A. Strategic M&A, if presented, would be something that would interest us. Yeah. I would say the phone has, obviously in the last week with announcement last week of one of our national friends, our phone has been ringing quite a bit. I will echo Billy that, one, would be adding sales team members and lift- out opportunities and enhancing the markets we're already in to add to those teams. Okay, great. My final one, just on the new additions to the Gulf Coast team and now the Auburn team. If you look at your loan portfolio, is there any sort of specialization across the board, or is it more so just complementing what you already have and growing the portfolio at a consistent rate? Yeah. Rhett, you want to cover that based on what you're seeing coming out of those markets? Yeah. I don't know that I would use the term specialization necessarily as far as any kind of getting into industry segments or things of that nature. I would be comfortable saying that these teams have a much broader C&I portfolio base coming from their prior institution. We feel like that will be a significant part of what their future loan production is going to be centered. Again, not necessarily any specific industry segment of C&I, but it will be much more along the lines of that type of production. Out of your sophistication, yeah. Great. That's helpful color. I'll jump off the queue. Great quarter, guys. Thanks. Thanks. The next question comes from Graham Dick with Piper Sandler. Please go ahead. Hey, guys. Good morning. Good morning, Graham. I just wanted to stick on loan growth and more particularly the Auburn team. Just quickly, do you guys mind sharing how big of a loan portfolio that group might have been managing at their prior institution? It's a little tough to nail down a specific number because of different areas that they were managing. This is probably a group that had around, I'm looking at maybe about $500 million in total. Now, I say that, I don't think we're looking to quickly move that sort of number over. They managed a large book of business that we think we can continue to utilize, as you would. Right. That's helpful. About the same size of the, I guess, or the book that the Gulf Coast team was managing. Probable. We have more bankers in that group, a little more diversified- Sure. ...in that one. This is a comparable types of businesses, as Rhett alluded to, a stronger C&I base in Auburn. A group that we think complements the bank extremely well. Right. Well, overall, good to see that you guys are able to attract these producers from these larger competitors of yours. Then I guess just shifting towards the balance sheet and liquidity. I'm just wondering if you guys have started to see deposit flows slow down at all to start the third quarter, or if it's still continuing, I don't know, at a pretty good clip? Yeah. We had a strong second quarter anyways. Just any thoughts on trends that you're seeing? I think we did have between first and second quarter, still, we still have been doing those PPP loans, still have flushed a lot more deposits. I think we are expecting a slowdown. The deposits have ramped up quite quickly. As far as third quarter, I really haven't seen the footings because it's so variable at this point till we get the quarter in. I think we should experience a slowdown for Q3. We've been wrong on this before. That's just a guess at this point. Okay, great. That's helpful. The last thing for me is just on Fountain. I know you mentioned there was a line of credit outstanding there of about 400 basis points. I was just wondering if you guys have already replaced that or if that's something that is yet to be completed. Yeah. Yeah, we paid that off at the end of June. Yeah, we paid that. We're funding it with our own cash. Funding their balance sheet with our cash. With our liquidity. Okay, great. Thanks, guys. Congrats on a good quarter. Thank you. Thanks. The next question comes from Stuart Lotz with KBW. Please go ahead. Hey guys, good morning. Good morning. Good morning. Ron, sorry if I missed this earlier in the call. What's your outlook for fees in the back half of the year? I know we were down a little this quarter. Are you curious if you think you should get back to the first quarter run rate? Yeah, the third quarter run rate, we're looking at $5.5 million. It's pretty much similar for the fourth quarter. Again, our initiative for our swap fees is taking hold. We may bear a little bit of fruit, but it's still early to tell. Right now, I think we're modeling $5.5 million, $5.6 million for the remainder of the year, quarter by quarter. I think we were pretty much on target for Q2. Yeah. I think going back and looking, we had a little bit of a blip one time. Yeah. Not necessarily one time. Insurance related. We had some commissions go in that are not probably recurring as often as we'd like to see, because it was such a big jump in Q1 from insurance. I really like to Ron's comments and mine in that it's really nice to see these revenue lines, these sales start to take shape. We hope to see some consistency- Anticipate. ...the consistency in that line moving forward. Great. Yeah, I appreciate that detail. I guess maybe turn to capital. With the looming close of Sevier, you're at 7.9% TCE right now. It's going down a little bit next quarter with all this excess liquidity. Also, with a valuation at 1.3x of tangible book value, what's your appetite for buybacks in the back half of the year? Are you going to wait till you have somewhat higher capital levels versus today? I'll take it and Ron, if you've got anything. I think as Ron said, we feel pretty good about the capital. I mean, we're big believers as we've got a lot of shareholders that sit around our tables. We like to appropriately leverage capital, but at the same time, making sure we've got the right levers. I think so, yeah, I like where we are. I do think we're at a spot now where we'll see that start to build as earnings go in. I don't foresee as heavy a buyback. It's tough for us to buy back a lot of shares anyway. We're probably not going to look at that maybe quite as robust as we did back when we were trading at a lower valuation. We're going to continue to watch it. I think from a capital standpoint, we're in a nice spot and have the ability to really continue to move it up. Be clear that we like the buyback. Oh, yeah. We like the buyback. We think the buyback. We think that's a great use of capital. Yeah. As far as sub-debt, we're continually evaluating this arena because sub-debt rates are so efficient for us to execute on. That's something that we have a lot of options that we're exploring. Fortunately, it's not a rush because we don't need it. We are looking at these avenues in totality. Awesome. Great. Thanks for taking my questions and congrats on a nice quarter. Thanks a lot, Stuart. Thanks, Stuart. The next question comes from Feddie Strickland with Janney Montgomery Scott. Please go ahead. Hey, good morning. Good morning. Good morning. Just wanted to start. In the deck, you mentioned that the Auburn team handled some healthcare banking relationships. Forgive me if I missed this, but more specifically, is that more like managed care or individual family practices, or is that kind of all the above? A mix. It's really a good mix. Auburn's got some really nice medical components to the market. What we've seen from that, it's really a nice mix of all of those things. Nothing real. I don't think there's any [crosstalk]. Any real concentration or niche that they focus on. Very generally related to the medical field. Got it. Just switching gears. I'm curious what you're hearing on the equipment finance business. I guess more specifically, we've heard some other banks talk about supply chain constraints. We've all kind of heard about supply chain constraints. Is that playing a role there? Could that maybe mean more upside to that business down the road as those constraints work themselves out? Is it not really playing as much of a role for them? I think for our Fountain team, again, as we specialize in a little more of that heavy equipment, yellow iron type equipment, what we're seeing, we had a great strategy session with that team last week. We were talking about it. I think what we're seeing is supply chain is having an impact because our business line is more focused on used equipment financing. What you're seeing is that the supply chain related to new equipment has tightened that up. It's tightened up the used market, just like you're seeing in the auto industry. Now, we do think that will continue to open up. Those supply chains open back up, I think it'll be fine. We are seeing just some lack of inventory being a little bit of a challenge. On the flip side of that, as a pro, as you're seeing these Southeastern markets where we are, the growth, the residential expansion, that is the demand for these small excavating companies. Those types of businesses are in high demand, they folks are out needing equipment. We're seeing a lot of need. We're picking up our volume, our production numbers have stayed extremely, been right on target, if not a little ahead of our targets. We like where we are. Supply chain, if supply chain opens up, we think it will actually help us. We're able to, kind of handle it really well now with what we've got. New equipment sales. I think our group is very bullish on the remainder of this year, next year. Got it. Appreciate the additional color, guys, and congrats on a great quarter. Thanks. Thanks. The next question comes from Kevin Fitzsimmons with D.A. Davidson. Please go ahead. Hey, good morning, guys. Hey, morning, Kevin. Most of my questions have been asked and answered. I figured on this topic, which seems to be a main theme here, the lift-out strategy. When you look geographically, any particular regions that would be higher priority in terms of either adding teams to where you already are or Southeastern markets where you don't have a presence, where you'd be very interested in entering via team? On a side note, I want to throw out Metro Nashville, given last week's announcement, whether that would be high up there on the priority and likelihood in terms of being able to get some teams, given some potential merger disruption there. Thanks. To answer your question, I think our goal would be to look primarily in the Southeast, continue to build density in our zone, in our Tennessee and Alabama and more of the Florida zones. That's going to be primarily where we focus. In specific regards to Nashville, it's tough to say if the transaction that was announced would create opportunities. I think Nashville has always been on our radar and is still on our radar. We would love to add some density in and around Metro Nashville. Maybe not Nashville Proper. Our mortgage build team that we have has been just running phenomenally well over the course of the last couple of quarters. I think we could easily bridge that into that South Nashville market, and it's something that we'd love to do if the opportunity presents. Density, density with a couple of markets which you are probably very well aware of. Hey, Miller, just on a follow-up. You had mentioned earlier that after last week's announcement, your phone had been buzzing. I'm just curious, is that smaller banks? Is that larger banks? Is that investment bankers? Is that all the above? I'm just curious what you were referring to. Absolutely all of the above. Okay. I serve that up on a silver platter. I get it. You made that question a really easy one to answer. When I comment, I'll just add to it. I think Miller said it. Miller, we talk about optionality in our company. There's so many great opportunities for us right now. It's a great time to be sitting in our seat. We've got several great strategic options that we can evaluate. All of them are really, really good. It's just trying to pick the right paths. Okay, great, guys. That's all I had. Thank you. Thanks. Thanks. As we have no further questions, this concludes our question-and-answer session. I would now like to turn the conference back over to Miller Welborn for any closing remarks. Thanks, Tom. Thank you very much for joining us today. We appreciate your interest in our company, and I hope you have a great rest of your week. Take care. The conference is now concluded. Thank you for attending today's presentation. You may now disconnect.