 VersaBank VBNK Q4 2022 Earnings Conference Call December 7, 2022 9:00 AM ET Company Participants David Taylor - President CEO Shawn Clarke - CFO Conference Call Participants Greg MacDonald - LodeRock Research Stephen Ranzini - University Bank Brad Ness - Choral Capital Operator Good morning, ladies and gentlemen. Welcome to VersaBanks fourth quarter and year-end fiscal 2022 financial results conference call. 