Note 18 - Operating Segmentation (Tables)

6 Months Ended

Apr. 30, 2025

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the three months ended		April 30, 2025																								April 30, 2024
		Digital Banking			Digital Banking					Digital Meteor				DRTC				Eliminations/				Consolidated			Digital Banking					Digital Meteor				DRTC				Eliminations/				Consolidated
		Canada				USA												Adjustments								Canada												Adjustments
Net interest income		$	25,525			$	2,507			$	-			$	-			$	-			$	28,032			$	26,242			$	-			$	-			$	-			$	26,242
Non-interest income			122				(18	)			569				1,789				(355	)			2,107				262				82				2,254				(339	)			2,259
Total revenue			25,647				2,489				569				1,789				(355	)			30,139				26,504				82				2,254				(339	)			28,501

Provision for (recovery of) credit losses			954				(65	)			-				-				-				889				16				-				-				-				16
			24,693				2,554				569				1,789				(355	)			29,250				26,488				82				2,254				(339	)			28,485

Non-interest expenses:
Salaries and benefits			5,836				1,464				253				1,602				-				9,155				5,724				101				1,584				-				7,409
General and administrative			5,267				800				343				665				(355	)			6,720				3,445				72				379				(339	)			3,557
Premises and equipment			947				104				123				467				-				1,641				845				23				351				-				1,219
			12,050				2,368				719				2,734				(355	)			17,516				10,014				196				2,314				(339	)			12,185

Income (loss) before income taxes			12,643				186				(150	)			(945	)			-				11,734				16,474				(114	)			(60	)			-				16,300

Income tax provision			3,443				53				2				(293	)			-				3,205				4,484				33				(45	)			-				4,472

Net income (loss)		$	9,200			$	133			$	(152	)		$	(652	)		$	-			$	8,529			$	11,990			$	(147	)		$	(15	)		$	-			$	11,828

Total assets		$	4,761,444			$	281,153			$	11,086			$	25,224			$	(31,774	)		$	5,047,133			$	4,378,863			$	3,022			$	24,848			$	(18,413	)		$	4,388,320

Total liabilities		$	4,386,758			$	144,517			$	9,029			$	19,708			$	(41,185	)		$	4,518,827			$	3,982,924			$	1,010			$	28,059			$	(23,776	)		$	3,988,217

(thousands of Canadian dollars)
for the six months ended		April 30, 2025																								April 30, 2024
		Digital Banking			Digital Banking					Digital Meteor				DRTC				Eliminations/				Consolidated			Digital Banking					Digital Meteor				DRTC				Eliminations/				Consolidated
		Canada				USA												Adjustments								Canada												Adjustments
Net interest income		$	49,210			$	4,546			$	-			$	-			$	-			$	53,756			$	52,810			$	-			$	-			$	-			$	52,810
Non-interest income			247				(17	)			911				3,778				(709	)			4,210				382				662				4,174				(676	)			4,542
Total revenue			49,457				4,529				911				3,778				(709	)			57,966				53,192				662				4,174				(676	)			57,352

Provision for (recovery of) credit losses			1,987				(74	)			-				-				-				1,913				(111	)			-				-				-				(111	)
			47,470				4,603				911				3,778				(709	)			56,053				53,303				662				4,174				(676	)			57,463

Non-interest expenses:
Salaries and benefits			11,125				2,628				470				3,546				-				17,769				11,095				245				2,607				-				13,947
General and administrative			9,983				1,397				387				1,151				(709	)			12,209				7,721				122				723				(676	)			7,890
Premises and equipment			1,850				213				171				1,003				-				3,237				1,613				66				693				-				2,372
			22,958				4,238				1,028				5,700				(709	)			33,215				20,429				433				4,023				(676	)			24,209

Income (loss) before income taxes			24,512				365				(117	)			(1,922	)			-				22,838				32,874				229				151				-				33,254

Income tax provision			6,548				129				2				(513	)			-				6,166				8,620				38				69				-				8,727

Net income (loss)		$	17,964			$	236			$	(119	)		$	(1,409	)		$	-			$	16,672			$	24,254			$	191			$	82			$	-			$	24,527

Total assets		$	4,761,444			$	281,153			$	11,086			$	25,224			$	(31,774	)		$	5,047,133			$	4,378,863			$	3,022			$	24,848			$	(18,413	)		$	4,388,320

Total liabilities		$	4,386,758			$	144,517			$	9,029			$	19,708			$	(41,185	)		$	4,518,827			$	3,982,924			$	1,010			$	28,059			$	(23,776	)		$	3,988,217