v3.22.2.2
Note 22 - Operating Segments (Tables)
 12 Months Ended
Oct. 31, 2022
Statement Line Items [Line Items]  
Disclosure of operating segments [text block]

(thousands of Canadian dollars)

                                

for the year ended

 

October 31, 2022

  

October 31, 2021

 
  

Digital

  

DRTC

  

Eliminations/

  

Consolidated

  

Digital

  

DRTC

  

Eliminations/

  

Consolidated

 
  

Banking

      

Adjustments

      

Banking

      

Adjustments

     

Net interest income

 $76,666  $-  $-  $76,666  $60,157  $-  $-  $60,157 

Non-interest income

  52   5,839   (165)  5,726   (60)  5,411   (151)  5,200 

Total revenue

  76,718   5,839   (165)  82,392   60,097   5,411   (151)  65,357 
                                 

Provision for (recovery of) credit losses

  451   -   -   451   (438)  -   -   (438)
   76,267   5,839   (165)  81,941   60,535   5,411   (151)  65,795 
                                 

Non-interest expenses:

                                

Salaries and benefits

  22,303   4,493   -   26,796   18,354   1,889   -   20,243 

General and administrative

  17,614   1,283   (165)  18,732   10,289   972   (151)  11,110 

Premises and equipment

  2,475   1,390   -   3,865   2,403   1,250   -   3,653 
   42,392   7,166   (165)  49,393   31,046   4,111   (151)  35,006 
                                 

Income (loss) before income taxes

  33,875   (1,327)  -   32,548   29,489   1,300   -   30,789 
                                 

Income tax provision

  9,744   146   -   9,890   7,817   592   -   8,409 
                                 

Net income (loss)

 $24,131  $(1,473) $-  $22,658  $21,672  $708  $-  $22,380 
                                 

Total assets

 $3,267,479  $22,345  $(23,826) $3,265,998  $2,411,790  $22,309  $(19,013) $2,415,086 
                                 

Total liabilities

 $2,912,249  $25,755  $(22,681) $2,915,323  $2,077,643  $23,205  $(17,868) $2,082,980