Note 22 - Capital Management (Tables)

12 Months Ended

Oct. 31, 2021

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	2021			2021			2020
	"Transitional"			"All in"			"All in"
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	227,819		$	227,819		$	152,757
Retained earnings		90,644			90,644			73,194
Accumulated other comprehensive income		(4	)		(4	)		-
CET1 before regulatory adjustments		318,459			318,459			225,951
Regulatory adjustments applied to CET1		(12,751	)		(12,751	)		(6,592	)
Common Equity Tier 1 capital	$	305,708		$	305,708		$	219,359
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647		$	29,337
Total Tier 1 capital	$	319,355		$	319,355		$	248,696
Tier 2 capital
Directly issued capital instruments	$	97,910		$	97,910		$	5,000
Tier 2 capital before regulatory adjustments		97,910			97,910			5,000
Eligible stage 1 and stage 2 allowance		1,453			1,453			1,775
Total Tier 2 capital	$	99,363		$	99,363		$	6,775
Total regulatory capital	$	418,718		$	418,718		$	255,471
Total risk-weighted assets	$	2,013,544		$	2,013,544		$	1,580,939
Capital ratios
CET1 capital ratio		15.18	%		15.18	%		13.88	%
Tier 1 capital ratio		15.86	%		15.86	%		15.73	%
Total capital ratio		20.80	%		20.80	%		16.16	%

(thousands of Canadian dollars)
	2021			2021			2020
	"Transitional"			"All-in"			"All-in"
On-balance sheet assets	$	2,415,086		$	2,415,086		$	1,943,885
Asset amounts adjusted in determining the Basel III
Tier 1 capital		(12,751	)		(12,751	)		(6,592	)
Total on-balance sheet exposures		2,402,335			2,402,335			1,937,293
Off-balance sheet exposure at gross notional amount	$	342,710		$	342,710		$	289,008
Adjustments for conversion to credit equivalent amount		(210,065	)		(210,065	)		(186,524	)
Off-balance sheet exposures		132,645			132,645			102,484
Tier 1 capital		319,355			319,355			248,696
Total exposures		2,534,980			2,534,980			2,039,777
Leverage ratio		12.60	%		12.60	%		12.19	%