Note 18 - Operating Segmentation (Tables)

3 Months Ended

Jan. 31, 2023

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	January 31, 2023										January 31, 2022
	Digital		DRTC			Eliminations/			Consolidated		Digital		DRTC		Eliminations/			Consolidated
	Banking					Adjustments					Banking				Adjustments
Net interest income	$	24,274	$	-		$	-		$	24,274	$	16,885	$	-	$	-		$	16,885
Non-interest income		2		1,833			(191	)		1,644		-		1,422		(41	)		1,381
Total revenue		24,276		1,833			(191	)		25,918		16,885		1,422		(41	)		18,266
Provision for credit losses		385		-			-			385		2		-		-			2
		23,891		1,833			(191	)		25,533		16,883		1,422		(41	)		18,264
Non-interest expenses:
Salaries and benefits		6,684		1,573			-			8,257		5,440		643		-			6,083
General and administrative		2,862		455			(191	)		3,126		3,482		183		(41	)		3,624
Premises and equipment		623		329			-			952		582		347		-			929
		10,169		2,357			(191	)		12,335		9,504		1,173		(41	)		10,636
Income (loss) before income taxes		13,722		(524	)		-			13,198		7,379		249		-			7,628
Income tax provision		3,789		(8	)		-			3,781		1,961		101		-			2,062
Net income (loss)	$	9,933	$	(516	)	$	-		$	9,417	$	5,418	$	148	$	-		$	5,566
Total assets	$	3,522,279	$	23,797		$	(14,386	)	$	3,531,690	$	2,412,167	$	23,767	$	(20,588	)	$	2,415,346
Total liabilities	$	3,174,197	$	27,751		$	(21,435	)	$	3,180,513	$	2,072,691	$	25,147	$	(19,443	)	$	2,078,395