Note 18 - Operating Segmentation (Tables)

6 Months Ended

Apr. 30, 2024

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	April 30, 2024										April 30, 2023
	Digital		DRTC			Eliminations/			Consolidated		Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments					Banking					Adjustments
Net interest income	$	26,242	$	-		$	-		$	26,242	$	24,609	$	-		$	-		$	24,609
Non-interest income		262		2,336			(339	)		2,259		122		2,146			(192	)		2,076
Total revenue		26,504		2,336			(339	)		28,501		24,731		2,146			(192	)		26,685
Provision for (recovery of) credit losses		16		-			-			16		237		-			-			237
		26,488		2,336			(339	)		28,485		24,494		2,146			(192	)		26,448
Non-interest expenses:
Salaries and benefits		5,724		1,685			-			7,409		6,930		1,499			-			8,429
General and administrative		3,445		451			(339	)		3,557		3,131		377			(192	)		3,316
Premises and equipment		845		374			-			1,219		612		369			-			981
		10,014		2,510			(339	)		12,185		10,673		2,245			(192	)		12,726
Income (loss) before income taxes		16,474		(174	)		-			16,300		13,821		(99	)		-			13,722
Income tax provision		4,484		(12	)		-			4,472		3,991		(532	)		-			3,459
Net income (loss)	$	11,990	$	(162	)	$	-		$	11,828	$	9,830	$	433		$	-		$	10,263
Total assets	$	4,378,863	$	26,980		$	(17,523	)	$	4,388,320	$	3,719,592	$	25,559		$	(15,758	)	$	3,729,393
Total liabilities	$	3,982,924	$	29,069		$	(23,776	)	$	3,988,217	$	3,366,614	$	29,057		$	(22,797	)	$	3,372,874

(thousands of Canadian dollars)
for the six months ended	April 30, 2024											April 30, 2023
	Digital			DRTC		Eliminations/			Consolidated			Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments						Banking					Adjustments
Net interest income	$	52,810		$	-	$	-		$	52,810		$	48,883	$	-		$	-		$	48,883
Non-interest income		382			4,836		(676	)		4,542			124		3,979			(383	)		3,720
Total revenue		53,192			4,836		(676	)		57,352			49,007		3,979			(383	)		52,603
Provision for (recovery of) credit losses		(111	)		-		-			(111	)		622		-			-			622
		53,303			4,836		(676	)		57,463			48,385		3,979			(383	)		51,981
Non-interest expenses:
Salaries and benefits		11,095			2,852		-			13,947			13,614		3,072			-			16,686
General and administrative		7,721			845		(676	)		7,890			5,993		832			(383	)		6,442
Premises and equipment		1,613			759		-			2,372			1,235		698			-			1,933
		20,429			4,456		(676	)		24,209			20,842		4,602			(383	)		25,061
Income (loss) before income taxes		32,874			380		-			33,254			27,543		(623	)		-			26,920
Income tax provision		8,620			107		-			8,727			7,780		(540	)		-			7,240
Net income (loss)	$	24,254		$	273	$	-		$	24,527		$	19,763	$	(83	)	$	-		$	19,680
Total assets	$	4,378,863		$	26,980	$	(17,523	)	$	4,388,320		$	3,719,592	$	25,559		$	(15,758	)	$	3,729,393
Total liabilities	$	3,982,924		$	29,069	$	(23,776	)	$	3,988,217		$	3,366,614	$	29,057		$	(22,797	)	$	3,372,874