Note 16 - Operating Segmentation (Tables)

6 Months Ended

Apr. 30, 2022

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	April 30, 2022										April 30, 2021
	Digital		DRTC			Eliminations/			Consolidated		Digital			DRTC			Eliminations/			Consolidated
	Banking					Adjustments					Banking						Adjustments
Net interest income	$	17,242	$	-		$	-		$	17,242	$	15,095		$	-		$	-		$	15,095
Non-interest income		1		1,434			(42	)		1,393		1			915			(41	)		875
Total revenue		17,243		1,434			(42	)		18,635		15,096			915			(41	)		15,970
Provision for (recovery of) credit losses		78		-			-			78		(312	)		-			-			(312	)
		17,165		1,434			(42	)		18,557		15,408			915			(41	)		16,282
Non-interest expenses:
Salaries and benefits		5,586		1,140			-			6,726		4,525			428			-			4,953
General and administrative		3,761		300			(42	)		4,019		2,237			187			(41	)		2,383
Premises and equipment		659		363			-			1,022		598			408			-			1,006
		10,006		1,803			(42	)		11,767		7,360			1,023			(41	)		8,342
Income (loss) before income taxes		7,159		(369	)		-			6,790		8,048			(108	)		-			7,940
Income tax provision		1,744		103			-			1,847		2,153			43			-			2,196
Net income (loss)	$	5,415	$	(472	)	$	-		$	4,943	$	5,895		$	(151	)	$	-		$	5,744
Total assets	$	2,692,510	$	21,386		$	(21,750	)	$	2,692,146	$	2,139,974		$	17,777		$	(17,994	)	$	2,139,757
Total liabilities	$	2,347,610	$	23,727		$	(20,605	)	$	2,350,732	$	1,888,732		$	20,508		$	(16,849	)	$	1,892,391

(thousands of Canadian dollars)
for the six months ended	April 30, 2022										April 30, 2021
	Digital		DRTC			Eliminations/			Consolidated		Digital			DRTC		Eliminations/			Consolidated
	Banking					Adjustments					Banking					Adjustments
Net interest income	$	34,127	$	-		$	-		$	34,127	$	29,469		$	-	$	-		$	29,469
Non-interest income		2		2,855			(83	)		2,774		(16	)		2,008		(69	)		1,923
Total revenue		34,129		2,855			(83	)		36,901		29,453			2,008		(69	)		31,392
Provision for (recovery of) credit losses		80		-			-			80		(255	)		-		-			(255	)
		34,049		2,855			(83	)		36,821		29,708			2,008		(69	)		31,647
Non-interest expenses:
Salaries and benefits		11,025		1,784			-			12,809		9,223			760		-			9,983
General and administrative		7,243		483			(83	)		7,643		4,299			492		(69	)		4,722
Premises and equipment		1,241		710			-			1,951		1,168			556		-			1,724
		19,509		2,977			(83	)		22,403		14,690			1,808		(69	)		16,429
Income (loss) before income taxes		14,540		(122	)		-			14,418		15,018			200		-			15,218
Income tax provision		3,706		203			-			3,909		4,006			178		-			4,184
Net income (loss)	$	10,834	$	(325	)	$	-		$	10,509	$	11,012		$	22	$	-		$	11,034
Total assets	$	2,692,510	$	21,386		$	(21,750	)	$	2,692,146	$	2,139,974		$	17,777	$	(17,994	)	$	2,139,757
Total liabilities	$	2,347,610	$	23,727		$	(20,605	)	$	2,350,732	$	1,888,732		$	20,508	$	(16,849	)	$	1,892,391