Full Year 2020 VersaBank Earnings Call Transcript
Good morning, ladies and gentlemen. Welcome to VersaBank's Fourth Quarter 2020 Financial Results Conference Call. This morning, VersaBank issued a news release reporting its financial results for the fourth quarter and year ended October 31, 2020. 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.
Please note, in addition to the telephone dial-in, VersaBank is webcasting its earnings conference call live over the Internet. The webcast is listen-only. (Operator Instructions) For those participating in today's conference call by telephone, the accompanying slide presentation will be available on the bank's website. Also, today's call will be archived for replay, both by telephone and via the Internet, beginning approximately 1 hour following completion of the call. Details on how to access the replays are available in this morning's news release.
I would now like to remind you, our listeners, that the statements about future events made on this call
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