Q4 2023 Conference Call Presentation 2023 December 13, Follow us 2 Post Conference Call Q&A For those wishing to ask questions during the Q&A, please access today’s call through the telephone dial-in: ...

Exhibit 99.1 For Immediate Release: December 13, 2023 Attention: Business Editors 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 13.58% – VersaBank's 2023 annual audited Consolidated Financial Statements and Management's Discussion ...

VersaBank (NASDAQ:VBNK) Q3 2023 Earnings Call Transcript August 30, 2023 9:00 AM ET Company Participants David Taylor - President and CEO Shawn Clarke - CFO Conference Call Participants David Feaster - Raymond James Mike Rizvanovic - KBW Research Stephen Ranzini - University Bank Bradley Ness - Choral Capital Operator Good morning, ladies and gentlemen, and welcome to VersaBank's Third Quarter fiscal 2023 Financial Results Conference Call. This morning, VersaBank issued a news release reporting its financia ...

Exhibit 99.1 Interim Consolidated Financial Statements July 31, 2023 (Unaudited) 1 VERSABANK Consolidated Balance Sheets (Unaudited) (thousands of Canadian dollars) July 31 October 31 July 31 As at 2023 2022 2022 Assets Cash $ 87,726 $ 88,581 $ 84,214 Securities (note 4) 182,944 141,564 133,682 Loans, net of allowance for credit losses (note 5) 3,661,672 2,992,678 2,814,121 Other assets (note 6) 48,503 43,175 43,326 $ 3,980,845 $ 3,265,998 $ 3,075,343 Liabilities and Shareholders' Equity Deposits $ 3,328,01 ...

Exhibit 99.1 Interim Consolidated Financial Statements April 30, 2023 (Unaudited) 1 VERSABANK Consolidated Balance Sheets (Unaudited) (thousands of Canadian dollars) April 30 October 31 April 30 As at 2023 2022 2022 Assets Cash $ 223,661 $ 88,581 $ 198,157 Securities (note 4) 39,652 141,564 - Loans, net of allowance for credit losses (note 5) 3,419,455 2,992,678 2,450,276 Other assets (note 6) 46,625 43,175 43,713 $ 3,729,393 $ 3,265,998 $ 2,692,146 Liabilities and Shareholders' Equity Deposits $ 3,108,218 ...

Exhibit 99.1 Interim Consolidated Financial Statements January 31, 2023 (Unaudited) 1 VERSABANK Consolidated Balance Sheets (Unaudited) (thousands of Canadian dollars) January 31 October 31 January 31 As at 2023 2022 2022 Assets Cash $ 201,372 $ 88,581 $ 155,239 Securities (note 4) 49,847 141,564 - Loans, net of allowance for credit losses (note 5) 3,235,083 2,992,678 2,215,638 Other assets (note 6) 45,388 43,175 44,469 $ 3,531,690 $ 3,265,998 $ 2,415,346 Liabilities and Shareholders' Equity Deposits $ 2,92 ...