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VersaBank (NASDAQ:VBNK) Q4 2023 Earnings Call Transcript

Operator: Good morning, ladies and gentlemen. Welcome to VersaBank s Fourth Quarter and Year End Fiscal 2023 Financial Results Conference Call.

United statesDavid feasterShawn clarkeChintan shahRaymond jamesJohn asmaDavid taylorDigital boundary groupCanadian receivable purchase programU stearns bank holdingfordPurchase programCall transcript decemberFourth quarterYear end fiscalResults conferenceInvestor relations

VersaBank : Earnings Document -December 18, 2023 at 12:11 pm EST

FINAL TRANSCRIPT VersaBank Fourth Quarter 2023 and Annual Financial Results Event Date/Time: December 13, 2023 - 9:00.

United statesKian gillespieDavid taylorShawn clarkeDavid feasterRaymond jamesDigital boundary groupU stearns bank holdingfordAnnual financial resultsChief executive officerFinancial officerFourth quarterYear end fiscalResults conferenceInvestor relationsChief financial

VERSABANK REPORTS RECORD FOURTH QUARTER AND FISCAL 2023 FINANCIAL RESULTS AS IT CONTINUES TO BENEFIT FROM INCREASING OPERATING LEVERAGE IN ITS UNIQUE DIGITAL BANKING MODEL

– Fourth Quarter and Fiscal 2023 Highlighted by Another Record Loan Portfolio and Record Revenue, Net Interest Income and Net Income While ROCE Improves to.

City ofUnited kingdomUnited statesChintan shahDavid taylorJohn asmaLawrence chamberlainShawn clarkeExchange commissionCyber incPurchase programCybersecurity servicesBank commercial real estateUs receivable purchase programDigital boundary groupFinancial technology development

VersaBank (NASDAQ:VBNK) Q3 2023 Earnings Call Transcript

Operator: Good morning, ladies and gentlemen, and welcome to VersaBank s Third Quarter fiscal 2023 Financial Results Conference Call.

United statesMike rizvanovicDavid feasterTiff macklemRaymond jamesDavid taylorShawn clarkeDigital boundary groupStearns bank holdingfordCybersecurity servicesUs bankCall transcript augustThird quarterResults conferenceInvestor relationsChief executive officer

VERSABANK REPORTS CONTINUED STRONG RESULTS FOR THIRD QUARTER 2023 HIGHLIGHTED BY 75% YEAR-OVER-YEAR GROWTH IN NET INCOME AND 90% YEAR-OVER-YEAR GROWTH IN EPS

– Digital Banking Operations Increasingly Benefitting from Operating Leverage with Continued Strong Growth in Loan Portfolio – All amounts are unaudited and in.

United statesCity ofUnited kingdomDavid taylorLawrence chamberlainStearns bank holdingfordCybersecurity services operations digital boundary groupCybersecurity servicesInternational accounting standardRevenue for the cybersecurity servicesToronto stock exchangePurchase programDigital boundary groupExchange commissionCyber incFinancial technology development

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