Note 18 - Interest Rate Risk and Liquidity Risk (Tables)

12 Months Ended

Oct. 31, 2021

Statement Line Items [Line Items]

Disclosure of financial instruments by type of interest rate [text block]

(thousands of Canadian dollars)
	Floating			Within			3 months to			1 year to			2 years to			Over			Non-interest
	rate			3 months			1 year			2 years			5 years			5 years			rate sensitive			Total
Assets
Cash	$	271,523		$	-		$	-		$	-		$	-		$	-		$	-		$	271,523
Effective rate		0.70	%
Loans		659,508			51,453			246,853			231,885			752,776			153,833			6,742			2,103,050
Effective rate		5.01	%		5.18	%		4.02	%		4.78	%		4.28	%		3.79	%
Other		-			-			-			-			-			-			40,513			40,513
Effective rate
Total Assets	$	931,031		$	51,453		$	246,853		$	231,885		$	752,776		$	153,833		$	47,255		$	2,415,086
Liabilities
Deposits	$	495,551		$	260,915		$	399,376		$	272,782		$	411,649		$	-		$	12,931		$	1,853,204
Effective rate		0.00	%		1.21	%		1.49	%		2.04	%		1.79	%
Subordinated notes		-			-			-			-			-			95,272			-			95,272
Effective rate																	5.64	%
Other		118,651			-			-			-			-			-			15,853			134,504
Effective rate		0.33	%
Equity		-			-			-			-			13,647			-			318,459			332,106
Effective rate														6.77	%
Total liabilities and equity	$	614,202		$	260,915		$	399,376		$	272,782		$	425,296		$	95,272		$	347,243		$	2,415,086
October 31, 2021 gap	$	316,829		$	(209,462	)	$	(152,523	)	$	(40,897	)	$	327,480		$	58,561		$	(299,988	)	$	-
Cumulative	$	316,829		$	107,367		$	(45,156	)	$	(86,053	)	$	241,427		$	299,988		$	-		$	-
October 31, 2020 gap	$	208,947		$	(156,219	)	$	(188,721	)	$	(130,629	)	$	338,148		$	148,676		$	(220,202	)	$	-
Cumulative	$	208,947		$	52,728		$	(135,993	)	$	(266,622	)	$	71,526		$	220,202		$	-		$	-