David Taylor | President & CEO |
Shawn Clarke | CFO |
Greg MacDonald | LodeRock Research |
Stephen Ranzini | University Bank |
Brad Ness | Choral Capital |
Good morning, ladies and gentlemen. Welcome to VersaBank’s fourth quarter and year-end fiscal 2022 financial results conference call. This morning, VersaBank issued a news release reporting its financial results for the fourth quarter and fiscal year ended October 31. That news release, along with the Bank’s financial statements, and supplemental financial information, are available on the Bank’s website in the Investor Relations section, as well as on SEDAR and EDGAR. Please note that in addition to the telephone dial-in, VersaBank is webcasting this morning’s conference call.