XML 85 R58.htm IDEA: XBRL DOCUMENT v3.25.0.1
Note 18 - Operating Segmentation - Results of Reportable Operating Segments (Details) - CAD ($)
$ in Thousands
3 Months Ended
Jan. 31, 2025
Jan. 31, 2024
Oct. 31, 2024
Statement Line Items [Line Items]      
Net interest income $ 25,724 $ 26,568  
Non-interest income 2,103 2,283  
Total revenue 27,827 28,851  
Provision for (recovery of) credit losses 1,024 (127)  
Revenue less provision for credit loss 26,803 28,978  
Non-interest expenses:      
Salaries and benefits 8,614 6,538  
General and administrative 5,489 4,333  
Premises and equipment 1,596 1,153  
Noninterest expense 15,699 12,024  
Income (loss) before income taxes 11,104 16,954  
Income tax provision 2,961 4,255  
Net income (loss) 8,143 12,699  
Total assets 4,971,732 4,309,635 $ 4,838,484
Total liabilities 4,450,437 3,920,601 $ 4,439,281
Operating segments [member] | Digital Banking Canada [member]      
Statement Line Items [Line Items]      
Net interest income 23,685 26,568  
Non-interest income 125 120  
Total revenue 23,810 26,688  
Provision for (recovery of) credit losses 1,033 (127)  
Revenue less provision for credit loss 22,777 26,815  
Non-interest expenses:      
Salaries and benefits 5,289 5,371  
General and administrative 4,716 4,276  
Premises and equipment 903 768  
Noninterest expense 10,908 10,415  
Income (loss) before income taxes 11,869 16,400  
Income tax provision 3,105 4,136  
Net income (loss) 8,764 12,264  
Total assets 4,707,062 4,299,625  
Total liabilities 4,350,601 3,914,863  
Operating segments [member] | Digital Banking USA [member]      
Statement Line Items [Line Items]      
Net interest income 2,039    
Non-interest income 1    
Total revenue 2,040    
Provision for (recovery of) credit losses (9)    
Revenue less provision for credit loss 2,049    
Non-interest expenses:      
Salaries and benefits 1,164    
General and administrative 597    
Premises and equipment 109    
Noninterest expense 1,870    
Income (loss) before income taxes 179    
Income tax provision 76    
Net income (loss) 103    
Total assets 256,627    
Total liabilities 115,351    
Operating segments [member] | Digital Meteor [Member]      
Statement Line Items [Line Items]      
Net interest income 0 0  
Non-interest income 342 580  
Total revenue 342 580  
Provision for (recovery of) credit losses 0 0  
Revenue less provision for credit loss 342 580  
Non-interest expenses:      
Salaries and benefits 217 144  
General and administrative 44 50  
Premises and equipment 48 43  
Noninterest expense 309 237  
Income (loss) before income taxes 33 343  
Income tax provision 0 5  
Net income (loss) 33 338  
Total assets 11,236 2,821  
Total liabilities 8,922 719  
Operating segments [member] | Cybersecurity segment [member]      
Statement Line Items [Line Items]      
Net interest income 0 0  
Non-interest income 1,989 1,920  
Total revenue 1,989 1,920  
Provision for (recovery of) credit losses 0 0  
Revenue less provision for credit loss 1,989 1,920  
Non-interest expenses:      
Salaries and benefits 1,944 1,023  
General and administrative 486 344  
Premises and equipment 536 342  
Noninterest expense 2,966 1,709  
Income (loss) before income taxes (977) 211  
Income tax provision (220) 114  
Net income (loss) (757) 97  
Total assets 25,340 24,476  
Total liabilities 21,548 27,906  
Elimination of intersegment amounts [member]      
Statement Line Items [Line Items]      
Net interest income 0 0  
Non-interest income (354) (337)  
Total revenue (354) (337)  
Provision for (recovery of) credit losses 0 0  
Revenue less provision for credit loss (354) (337)  
Non-interest expenses:      
Salaries and benefits 0 0  
General and administrative (354) (337)  
Premises and equipment 0 0  
Noninterest expense (354) (337)  
Income (loss) before income taxes 0 0  
Income tax provision 0 0  
Net income (loss) 0 0  
Total assets (28,533) (17,287)  
Total liabilities $ (45,985) $ (22,887)