VBNK — VersaBank Income Statement

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FinancialsBalancedSmall CapSuper Stock

Annual income statement for VersaBank, fiscal year end - October 31st, CAD millions except per share, conversion factor applied.

	2019 October 31st	2020 October 31st	2021 October 31st	2022 October 31st	2023 October 31st
Period Length:	12 M	12 M	12 M	12 M	12 M
Source:	ARS	ARS	ARS	ARS	ARS
Standards:	IFRS	IFRS	IFRS	IFRS	IFRS
Status:	Final	Final	Final	Final	Final
Interest Income
Interest Expense
Net Interest Income	53.9	54.1	60.2	76.7	100
Loan Loss Provision
Net Interest Income After Loan Loss Provision	54.2	54.5	60.6	76.2	99.4
Non Interest Income
Non Interest Expense
Net Income Before Taxes	27.8	26.8	30.8	32.5	57.6
Provision for Income Taxes
Net Income After Taxes	20.2	19.4	22.4	22.7	42.2
Net Income Before Extraordinary Items
Net Income	20.2	19.4	22.4	22.7	42.2
Adjustments to Net Income
Income Available to Common Shareholders Excluding Extraordinary Items
Income Available to Common Shareholders Including Extraordinary Items
Diluted Net Income	18	17.2	20.8	21.7	41.2
Diluted Weighted Average Shares
Basic EPS Including Extraordinary Items
Diluted EPS Including Extraordinary Items
Diluted EPS Excluding Extraordinary Items
Normalised Income Before Taxes
Normalised Income After Taxes
Normalised Income Available to Common Shareholders
Diluted Normalised EPS	0.852	0.816	0.956	0.79	1.57
Dividends per Share