Note 18 - Operating Segmentation (Tables)

3 Months Ended

Jan. 31, 2025

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended	January 31, 2025															January 31, 2024
	Digital Banking Canada		Digital Banking USA			Digital Meteor		DRTC			Eliminations/ Adjustments			Consolidated		Digital Banking Canada			Digital Meteor		DRTC		Eliminations/ Adjustments			Consolidated
Net interest income	$	23,685	$	2,039		$	-	$	-		$	-		$	25,724	$	26,568		$	-	$	-	$	-		$	26,568
Non-interest income		125		1			342		1,989			(354	)		2,103		120			580		1,920		(337	)		2,283
Total revenue		23,810		2,040			342		1,989			(354	)		27,827		26,688			580		1,920		(337	)		28,851
Provision for (recovery of) credit losses		1,033		(9	)		-		-			-			1,024		(127	)		-		-		-			(127	)
		22,777		2,049			342		1,989			(354	)		26,803		26,815			580		1,920		(337	)		28,978
Non-interest expenses:
Salaries and benefits		5,289		1,164			217		1,944			-			8,614		5,371			144		1,023		-			6,538
General and administrative		4,716		597			44		486			(354	)		5,489		4,276			50		344		(337	)		4,333
Premises and equipment		903		109			48		536			-			1,596		768			43		342		-			1,153
		10,908		1,870			309		2,966			(354	)		15,699		10,415			237		1,709		(337	)		12,024
Income (loss) before income taxes		11,869		179			33		(977	)		-			11,104		16,400			343		211		-			16,954
Income tax provision		3,105		76			-		(220	)		-			2,961		4,136			5		114		-			4,255
Net income (loss)	$	8,764	$	103		$	33	$	(757	)	$	-		$	8,143	$	12,264		$	338	$	97	$	-		$	12,699
Total assets	$	4,707,062	$	256,627		$	11,236	$	25,340		$	(28,533	)	$	4,971,732	$	4,299,625		$	2,821	$	24,476	$	(17,287	)	$	4,309,635
Total liabilities	$	4,350,601	$	115,351		$	8,922	$	21,548		$	(45,985	)	$	4,450,437	$	3,914,863		$	719	$	27,906	$	(22,887	)	$	3,920,601