Note 18 - Operating Segmentation (Tables)

6 Months Ended

Apr. 30, 2023

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

for the three months ended	April 30, 2023										April 30, 2022
	Digital		DRTC			Eliminations/			Consolidated		Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments					Banking					Adjustments
Net interest income	$	24,609	$	-		$	-		$	24,609	$	17,242	$	-		$	-		$	17,242
Non-interest income		122		2,146			(192	)		2,076		1		1,434			(42	)		1,393
Total revenue		24,731		2,146			(192	)		26,685		17,243		1,434			(42	)		18,635
Provision for credit losses		237		-			-			237		78		-			-			78
		24,494		2,146			(192	)		26,448		17,165		1,434			(42	)		18,557
Non-interest expenses:
Salaries and benefits		6,930		1,499			-			8,429		5,586		1,140			-			6,726
General and administrative		3,131		377			(192	)		3,316		3,761		300			(42	)		4,019
Premises and equipment		612		369			-			981		659		363			-			1,022
		10,673		2,245			(192	)		12,726		10,006		1,803			(42	)		11,767
Income (loss) before income taxes		13,821		(99	)		-			13,722		7,159		(369	)		-			6,790
Income tax provision		3,991		(532	)		-			3,459		1,744		103			-			1,847
Net income (loss)	$	9,830	$	433		$	-		$	10,263	$	5,415	$	(472	)	$	-		$	4,943
Total assets	$	3,719,592	$	25,559		$	(15,758	)	$	3,729,393	$	2,692,510	$	21,386		$	(21,750	)	$	2,692,146
Total liabilities	$	3,366,614	$	29,057		$	(22,797	)	$	3,372,874	$	2,347,610	$	23,727		$	(20,605	)	$	2,350,732

for the six months ended	April 30, 2023										April 30, 2022
	Digital		DRTC			Eliminations/			Consolidated		Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments					Banking					Adjustments
Net interest income	$	48,883	$	-		$	-		$	48,883	$	34,127	$	-		$	-		$	34,127
Non-interest income		124		3,979			(383	)		3,720		2		2,855			(83	)		2,774
Total revenue		49,007		3,979			(383	)		52,603		34,129		2,855			(83	)		36,901
Provision for (recovery of) credit losses		622		-			-			622		80		-			-			80
		48,385		3,979			(383	)		51,981		34,049		2,855			(83	)		36,821
Non-interest expenses:
Salaries and benefits		13,614		3,072			-			16,686		11,025		1,784			-			12,809
General and administrative		5,993		832			(383	)		6,442		7,243		483			(83	)		7,643
Premises and equipment		1,235		698			-			1,933		1,241		710			-			1,951
		20,842		4,602			(383	)		25,061		19,509		2,977			(83	)		22,403
Income (loss) before income taxes		27,543		(623	)		-			26,920		14,540		(122	)		-			14,418
Income tax provision		7,780		(540	)		-			7,240		3,706		203			-			3,909
Net income (loss)	$	19,763	$	(83	)	$	-		$	19,680	$	10,834	$	(325	)	$	-		$	10,509
Total assets	$	3,719,592	$	25,559		$	(15,758	)	$	3,729,393	$	2,692,510	$	21,386		$	(21,750	)	$	2,692,146
Total liabilities	$	3,366,614	$	29,057		$	(22,797	)	$	3,372,874	$	2,347,610	$	23,727		$	(20,605	)	$	2,350,732