Note 16 - Operating Segmentation (Tables)

3 Months Ended

Jan. 31, 2022

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	January 31, 2022									January 31, 2021
	Banking		Cybersecurity		Eliminations			Consolidated		Banking			Cybersecurity		Eliminations			Consolidated
					and Adjustments										and Adjustments
Net interest income	$	16,885	$	-	$	-		$	16,885	$	14,374		$	-	$	-		$	14,374
Non-interest income		-		1,422		(41	)		1,381		(17	)		1,093		(28	)		1,048
Total revenue		16,885		1,422		(41	)		18,266		14,357			1,093		(28	)		15,422
Provision for (recovery of) credit losses		2		-		-			2		57			-		-			57
		16,883		1,422		(41	)		18,264		14,300			1,093		(28	)		15,365
Non-interest expenses:
Salaries and benefits		5,440		643		-			6,083		4,698			332		-			5,030
General and administrative		3,482		183		(41	)		3,624		2,062			305		(28	)		2,339
Premises and equipment		582		347		-			929		570			148		-			718
		9,504		1,173		(41	)		10,636		7,330			785		(28	)		8,087
Income before income taxes		7,379		249		-			7,628		6,970			308		-			7,278
Income tax provision		1,961		101		-			2,062		1,853			135		-			1,988
Net income	$	5,418	$	148	$	-		$	5,566	$	5,117		$	173	$	-		$	5,290
Total assets	$	2,412,167	$	23,767	$	(20,588	)	$	2,415,346	$	2,041,784		$	20,612	$	(17,420	)	$	2,044,976
Total liabilities	$	2,072,691	$	25,147	$	(19,443	)	$	2,078,395	$	1,781,121		$	20,622	$	(16,275	)	$	1,785,468