VersaBank(VBNK) - 2021 Q4 - Annual Report

Exhibit 99.1 Consolidated Financial Statements Years ended October 31, 2021 and 2020 KPMG LLP Bay Adelaide Centre 333 Bay Street, Suite 4600 Toronto, ON M5H 2S5 Canada Tel 416-777-8500 Fax 416-777-8818 INDEPENDENT AUDITORS' REPORT To the Shareholders of VersaBank Opinion We have audited the consolidated financial statements of VersaBank (the Bank), which comprise: (Hereinafter referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the c ...