Q4 2019 VersaBank Earnings Call Transcript
Good morning, ladies and gentlemen. Welcome to the VersaBank Fourth Quarter Results Conference Call.
I would now like to turn the meeting over to David Taylor. Please go ahead, Mr. Taylor.
Thank you, Melanie, and good morning, ladies and gentlemen. Welcome to VersaBank's 2019 Fourth Quarter and Annual Financial Results. Also with me today, I have Shawn Clarke, who's our Chief Financial Officer.
Before we begin, please note that the conference call slides, quarterly results, news releases and supplemental financial information are all available on our website, which is versabank.com.
I'd like to remind our listeners that statements about future events made on this call are forward-looking in nature and are based on certain assumptions and analysis made by management. Actual results should -- could differ materially from our expectations due to various material risks and uncertainties associated with VersaBank's business. Please refer to our forward-looking statements.
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