FB Financial Corporation (FBK) Q4 2022 Earnings Call Transcript

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FB Financial Corporation historical value in US Dollar in 2020 January 17, 2023

Presentation:

Operator

Good morning, and welcome to FB Financial Corporation’s Fourth Quarter 2022 Earnings Conference Call. Hosting today’s call will be FB Financial’s Chris Holmes, President and Chief Executive Officer; and Michael Mettee, Chief Financial Officer. Both will be available for questions and answers.

Please note that FB Financials’ earnings release, supplemental financial information and presentation this morning are available on the Investor Relations page of the Company’s website at www.firstbankonline.com and on the Securities and Exchange Commission’s website at www.sec.gov. Today’s call is being recorded and will be available for replay on FB Financial’s website approximately one hour after the conclusion of the call. [Operator Instructions] The phone will be open for questions after the presentation.

During this presentation, FB Financial may make comments that are forward-looking statements under federal securities laws. Forward-looking statements are based on management’s current expectations and assumptions and are subject to risks, uncertainties and other factors that could cause FB Financial’s actual results and performance or achievements to differ materially from any results indicated or implied by such forward-looking statements. . Many of these factors are beyond FB Financial’s ability to control or predict and listeners are cautioned not to place undue reliance on such forward-looking statements. A more detailed description of these and other risks that could cause actual results to differ from expectations is contained in FB Financial’s periodic and current reports filed with the SEC, including FB Financial’s most recent Form 10-K. Except as required by law, FB Financial disclaims any obligation to update or revise any forward-looking statements contained in this presentation, as a result of new information, future events or otherwise.

In addition, the comments may include certain non-GAAP financial measures as defined by SEC Regulation G. A presentation of the most directly comparable financial measures and a reconciliation of non-GAAP measures to comparable GAAP measures are available in FB Financial’s earnings release. , additional financial information and this morning’s presentation, which is available on the Investor Relations page of the Company’s website at www.firstbankonline.com and on the SEC’s website at www.sec.gov.

I would now like to present to Chris Holmes, President and CEO of FB Financial.

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