Operator
Good morning, ladies and gentlemen, and welcome to the VersaBank Fourth Quarter Fiscal 2025 Financial Results Conference Call. This morning, VersaBank issued news release reporting its financial results for the fourth quarter and year ended October 31, 2025. That news release, along with the bank’s financial statements, MD&A and supplemental financial information are available on the bank’s website in the Investor Relations section as well as on SEDAR+ and EDGAR.
Please note, in addition to the telephone dial-in, VersaBank is webcasting this morning’s conference call. [Operator Instructions] For those participating in today’s call by telephone, the accompanying slide presentation is 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 replay is available in this morning’s news release.
I would like to remind our listeners that the statements about future events made on this call are forward-looking in nature and are based on certain assumptions and analysis made by VersaBank management. Actual results could differ materially from our expectations due to various material risks and uncertainties associated with VersaBank’s businesses. Please refer to VersaBank’s forward-looking statement advisory in today’s presentation.
I would like to turn the call over to David Taylor, President of VersaBank. Please go ahead, Mr. Taylor.
David Taylor
President & Director
Good morning, everyone, and thank you for joining us for today’s call. With me is