v3.26.1
Consolidated Statements of Income and Comprehensive Income (Unaudited) - CAD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Jul. 31, 2026
Jul. 31, 2025
Interest income:        
Credit assets $ 83,404 $ 68,814 $ 236,741 $ 201,671
Other 6,333 5,173 17,272 16,538
Interest income 89,737 73,987 254,013 218,209
Interest expense:        
Deposits and other 51,314 42,856 143,317 130,537
Subordinated notes 1,650 1,352 4,363 4,137
Interest expense 52,964 44,208 147,680 134,674
Net interest income 36,773 29,779 106,333 83,535
Non-interest income 2,036 1,804 7,283 6,014
Total revenue 38,809 31,583 113,616 89,549
Provision for (recovery of) credit losses (note 5) (229) 1,181 899 3,094
Revenue less provision for credit loss 39,038 30,402 112,717 86,455
Non-interest expenses:        
Salaries and benefits 12,088 10,099 33,673 27,868
General and administrative 10,701 9,717 33,468 21,926
Premises and equipment 2,373 1,833 6,053 5,070
Noninterest expense 25,162 21,649 73,194 54,864
Income before income taxes 13,876 8,753 39,523 31,591
Income tax provision (note 10) 3,816 2,171 10,869 8,337
Net income 10,060 6,582 28,654 23,254
Other comprehensive income (loss):        
Item that may subsequently be reclassified to net income: Foreign exchange gain (loss) on translation of foreign operations 397 (530) (892) (717)
Comprehensive income $ 10,457 $ 6,052 $ 27,762 $ 22,537
Basic and diluted income per common share (note 11) (in CAD per share) $ 0.31 $ 0.2 $ 0.89 $ 0.74