Note 18 - Operating Segmentation (Tables)

9 Months Ended

Jul. 31, 2024

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	July 31, 2024												July 31, 2023
	Digital			DRTC			Eliminations/			Consolidated			Digital		DRTC			Eliminations/			Consolidated
	Banking						Adjustments						Banking					Adjustments
Net interest income	$	24,944		$	-		$	-		$	24,944		$	24,929	$	-		$	-		$	24,929
Non-interest income		175			2,219			(342	)		2,052			101		2,020			(191	)		1,930
Total revenue		25,119			2,219			(342	)		26,996			25,030		2,020			(191	)		26,859
Provision for (recovery of) credit losses		(1	)		-			-			(1	)		171		-			-			171
		25,120			2,219			(342	)		26,997			24,859		2,020			(191	)		26,688
Non-interest expenses:
Salaries and benefits		5,945			1,562			-			7,507			5,891		1,562			-			7,453
General and administrative		4,729			446			(342	)		4,833			4,257		380			(191	)		4,446
Premises and equipment		824			370			-			1,194			610		370			-			980
		11,498			2,378			(342	)		13,534			10,758		2,312			(191	)		12,879
Income (loss) before income taxes		13,622			(159	)		-			13,463			14,101		(292	)		-			13,809
Income tax provision		3,811			(53	)		-			3,758			3,999		(193	)		-			3,806
Net income (loss)	$	9,811		$	(106	)	$	-		$	9,705		$	10,102	$	(99	)	$	-		$	10,003
Total assets	$	4,507,158		$	27,285		$	(18,007	)	$	4,516,436		$	3,971,781	$	25,485		$	(16,421	)	$	3,980,845
Total liabilities	$	4,102,239		$	29,471		$	(24,259	)	$	4,107,451		$	3,609,832	$	29,123		$	(23,153	)	$	3,615,802

(thousands of Canadian dollars)
for the nine months ended	July 31, 2024											July 31, 2023
	Digital			DRTC		Eliminations/			Consolidated			Digital		DRTC			Eliminations/			Consolidated
	Banking					Adjustments						Banking					Adjustments
Net interest income	$	77,754		$	-	$	-		$	77,754		$	73,812	$	-		$	-		$	73,812
Non-interest income		557			7,055		(1,018	)		6,594			225		5,999			(574	)		5,650
Total revenue		78,311			7,055		(1,018	)		84,348			74,037		5,999			(574	)		79,462
Provision for (recovery of) credit losses		(112	)		-		-			(112	)		793		-			-			793
		78,423			7,055		(1,018	)		84,460			73,244		5,999			(574	)		78,669
Non-interest expenses:
Salaries and benefits		17,040			4,414		-			21,454			19,505		4,634			-			24,139
General and administrative		12,450			1,291		(1,018	)		12,723			10,250		1,212			(574	)		10,888
Premises and equipment		2,437			1,129		-			3,566			1,845		1,068			-			2,913
		31,927			6,834		(1,018	)		37,743			31,600		6,914			(574	)		37,940
Income (loss) before income taxes		46,496			221		-			46,717			41,644		(915	)		-			40,729
Income tax provision		12,431			54		-			12,485			11,779		(733	)		-			11,046
Net income (loss)	$	34,065		$	167	$	-		$	34,232		$	29,865	$	(182	)	$	-		$	29,683
Total assets	$	4,507,158		$	27,285	$	(18,007	)	$	4,516,436		$	3,971,781	$	25,485		$	(16,421	)	$	3,980,845
Total liabilities	$	4,102,239		$	29,471	$	(24,259	)	$	4,107,451		$	3,609,832	$	29,123		$	(23,153	)	$	3,615,802