SMARTFINANCIAL, INC. (NASDAQ:SMBK) Files An 8-K Results of Operations and Financial Condition

SMARTFINANCIAL, INC. (NASDAQ:SMBK) Files An 8-K Results of Operations and Financial Condition
Item 2.02

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Results of Operations and Financial Condition.

On January31, 2018, SmartFinancial, Inc. issued a press release reporting earnings results for its fourth quarter ending December31, 2017. The information included in the press release is considered to be "furnished" under the Securities Exchange Act of 1934, as amended (the "Exchange Act"). SmartFinancial will include final financial statements and additional analysis for the quarter ended December 31, 2017 as part of its annual report on form 10-K covering that period.

Item 7.01

Regulation FD Disclosure

SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on February 1, 2018. The slides are included as Exhibit 99.2 to this report and shall not be deemed to be “filed” for the purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01

Financial Statements and Exhibits

(d) Exhibits


Press Release announcing fourth quarter 2017 financial results dated January 31, 2018.


Fourth quarter 2017 investor presentation

EX-99.1 2 a123117q4earningsreleaseex99.htm EXHIBIT 99.1 Exhibit Exhibit 99.1 4Q 2017 SmartFinancial Reports Break-Even Net Income for the Fourth Quarter after Deferred Tax Asset Charge Net operating earnings per common share was $0.35 for the fourth quarter Performance Highlights  •Record high total assets of $1.7 billion,…
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SmartFinancial, Inc., formerly Cornerstone Bancshares, Inc., is a bank holding company. The Company operates through its SmartBank subsidiary (The Bank). The principal business of the Bank consists of attracting deposits from the public and investing those funds, together with funds generated from operations and from principal and interest payments on loans. It offers commercial real estate-mortgage, consumer real estate-mortgage, construction and land development, commercial and industrial, and consumer and other loans. The Bank’s investment portfolio consists of Federal agency bonds, mortgage-backed securities, and state and municipal securities. The Bank provides a range of deposit services to businesses and individuals, including non-interest bearing checking accounts, interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs). SmartBank operates in approximately seven banking offices.

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