Note 25 - Operating Segments (Tables)

12 Months Ended

Oct. 31, 2023

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the year ended	October 31, 2023										October 31, 2022
	Digital		DRTC			Eliminations/			Consolidated		Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments					Banking					Adjustments
Net interest income	$	100,051	$	-		$	-		$	100,051	$	76,666	$	-		$	-		$	76,666
Non-interest income		540		9,698			(1,654	)		8,584		52		5,839			(165	)		5,726
Total revenue		100,591		9,698			(1,654	)		108,635		76,718		5,839			(165	)		82,392
Provision for (recovery of) credit losses		609		-			-			609		451		-			-			451
		99,982		9,698			(1,654	)		108,026		76,267		5,839			(165	)		81,941
Non-interest expenses:
Salaries and benefits		25,382		6,046			-			31,428		22,303		4,493			-			26,796
General and administrative		15,140		1,565			(1,654	)		15,051		17,614		1,283			(165	)		18,732
Premises and equipment		2,462		1,440			-			3,902		2,475		1,390			-			3,865
		42,984		9,051			(1,654	)		50,381		42,392		7,166			(165	)		49,393
Income (loss) before income taxes		56,998		647			-			57,645		33,875		(1,327	)		-			32,548
Income tax provision		15,867		(384	)		-			15,483		9,744		146			-			9,890
Net income (loss)	$	41,131	$	1,031		$	-		$	42,162	$	24,131	$	(1,473	)	$	-		$	22,658
Total assets	$	4,190,876	$	26,443		$	(15,709	)	$	4,201,610	$	3,267,479	$	22,345		$	(23,826	)	$	3,265,998
Total liabilities	$	3,818,412	$	28,788		$	(22,748	)	$	3,824,452	$	2,912,249	$	25,755		$	(22,681	)	$	2,915,323