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Note 4 - Loans (Tables)
 6 Months Ended
Apr. 30, 2022
Statement Line Items [Line Items]  
Discosure of loans, net [text block]

(thousands of Canadian dollars)

            
  

April 30

  

October 31

  

April 30

 
  

2022

  

2021

  

2021

 
             
             

Point-of-sale loans and leases

 $1,610,336  $1,279,576  $1,067,135 

Commercial real estate mortgages

  782,274   757,576   686,909 

Commercial real estate loans

  14,065   26,569   34,897 

Public sector and other financing

  35,529   32,587   35,362 
   2,442,204   2,096,308   1,824,303 
             

Allowance for credit losses

  (1,533)  (1,453)  (1,636)

Accrued interest

  9,605   8,195   7,109 
             

Total loans, net of allowance for credit losses

 $2,450,276  $2,103,050  $1,829,776 
Disclosure of loans by lending asset category [text block]
  

As at April 30, 2022

  

As at October 31, 2021

 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

  

Stage 1

  

Stage 2

  

Stage 3

  

Total

 

Point-of-sale loans and leases

 $1,607,427  $2,909  $-  $1,610,336  $1,277,011  $2,565  $-  $1,279,576 

ECL allowance

  419   -   -   419   275   -   -   275 

EL %

  0.03%  0.00%  0.00%  0.03%  0.02%  0.00%  0.00%  0.02%

Commercial real estate mortgages

 $730,015  $52,259  $-  $782,274  $694,869  $62,707  $-  $757,576 

ECL allowance

  948   101   -   1,049   980   134   -   1,114 

EL %

  0.13%  0.19%  0.00%  0.13%  0.14%  0.21%  0.00%  0.15%

Commercial real estate loans

 $14,065  $-  $-  $14,065  $26,569  $-  $-  $26,569 

ECL allowance

  40   -   -   40   45   -   -   45 

EL %

  0.28%  0.00%  0.00%  0.28%  0.17%  0.00%  0.00%  0.17%

Public sector and other financing

 $35,343  $186  $-  $35,529  $32,507  $80  $-  $32,587 

ECL allowance

  24   1   -   25   16   3   -   19 

EL %

  0.07%  0.54%  0.00%  0.07%  0.05%  3.75%  0.00%  0.06%

Total Loans

 $2,386,850  $55,354  $-  $2,442,204  $2,030,956  $65,352  $-  $2,096,308 

Total ECL allowance

  1,431   102   -   1,533   1,316   137   -   1,453 

Total EL %

  0.06%  0.18%  0.00%  0.06%  0.06%  0.21%  0.00%  0.07%
Disclosure of sensitivity analysis of fair value measurement to changes in unobservable inputs, assets [text block]

(thousands of Canadian dollars)

                
  

Reported

   100%  100%  100%
  

ECL

  

Upside

  

Baseline

  

Downside

 
                 

Allowance for expected credit losses

 $1,533  $925  $1,149  $1,549 

Variance from reported ECL

      (608)  (384)  16 

Variance from reported ECL (%)

      (40%)  (25%)  1%
Disclosure of Reconciliation of changes in allowance account for credit losses of financial assets [text block]

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Point-of-sale loans and leases

                

Balance at beginning of period

 $370  $-  $-  $370 

Transfer in (out) to Stage 1

  14   (14)  -   - 

Transfer in (out) to Stage 2

  (27)  27   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  62   (13)  -   49 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  49   -   -   49 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $419  $-  $-  $419 
                 

Commercial real estate mortgages

                

Balance at beginning of period

 $949  $96  $-  $1,045 

Transfer in (out) to Stage 1

  8   (8)  -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (69)  13   -   (56)

Loan originations

  80   -   -   80 

Derecognitions and maturities

  (20)  -   -   (20)

Provision for (recovery of) credit losses

  (1)  5   -   4 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $948  $101  $-  $1,049 
                 

Commercial real estate loans

                

Balance at beginning of period

 $36  $-  $-  $36 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  4   -   -   4 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  4   -   -   4 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $40  $-  $-  $40 
                 

Public sector and other financing

                

Balance at beginning of period

 $4  $-  $-  $4 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  20   1   -   21 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  20   1   -   21 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $24  $1  $-  $25 
                 

Total balance at end of period

 $1,431  $102  $-  $1,533 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Point-of-sale loans and leases

                

Balance at beginning of period

 $207  $-  $-  $207 

Transfer in (out) to Stage 1

  21   (21)  -   - 

Transfer in (out) to Stage 2

  (46)  46   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  56   (25)  -   31 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  31   -   -   31 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $238  $-  $-  $238 
                 

Commercial real estate mortgages

                

Balance at beginning of period

 $1,346  $167  $-  $1,513 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  (56)  56   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (256)  36   -   (220)

Loan originations

  78   -   -   78 

Derecognitions and maturities

  (33)  (30)  -   (63)

Provision for (recovery of) credit losses

  (267)  62   -   (205)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $1,079  $229  $-  $1,308 
                 

Commercial real estate loans

                

Balance at beginning of period

 $72  $-  $-  $72 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (23)  -   -   (23)

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  (23)  -   -   (23)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $49  $-  $-  $49 
                 

Public sector and other financing

                

Balance at beginning of period

 $40  $-  $-  $40 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  2   -   -   2 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  (1)  -   (116)  (117)

Provision for (recovery of) credit losses

  1   -   (116)  (115)

Write-offs

  -   -   -   - 

Recoveries

  -   -   116   116 

Balance at end of period

 $41  $-  $-  $41 
                 

Total balance at end of period

 $1,407  $229  $-  $1,636 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Point-of-sale loans and leases

                

Balance at beginning of period

 $275  $-  $-  $275 

Transfer in (out) to Stage 1

  52   (52)  -   - 

Transfer in (out) to Stage 2

  (85)  85   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  177   (33)  -   144 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  144   -   -   144 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $419  $-  $-  $419 
                 

Commercial real estate mortgages

                

Balance at beginning of period

 $980  $134  $-  $1,114 

Transfer in (out) to Stage 1

  22   (22)  -   - 

Transfer in (out) to Stage 2

  (4)  4   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (97)  (11)  -   (108)

Loan originations

  160   -   -   160 

Derecognitions and maturities

  (113)  (4)  -   (117)

Provision for (recovery of) credit losses

  (32)  (33)  -   (65)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $948  $101  $-  $1,049 
                 

Commercial real estate loans

                

Balance at beginning of period

 $45  $-  $-  $45 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (5)  -   -   (5)

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  (5)  -   -   (5)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $40  $-  $-  $40 
                 

Public sector and other financing

                

Balance at beginning of period

 $16  $3  $-  $19 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  9   (2)  -   7 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  (1)  -   -   (1)

Provision for (recovery of) credit losses

  8   (2)  -   6 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $24  $1  $-  $25 
                 

Total balance at end of period

 $1,431  $102  $-  $1,533 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Point-of-sale loans and leases

                

Balance at beginning of period

 $215  $-  $-  $215 

Transfer in (out) to Stage 1

  41   (41)  -   - 

Transfer in (out) to Stage 2

  (90)  90   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  72   (49)  -   23 

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  23   -   -   23 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $238  $-  $-  $238 

Commercial real estate mortgages

                

Balance at beginning of period

 $1,174  $192  $-  $1,366 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  (58)  58   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (189)  46   -   (143)

Loan originations

  224   -   -   224 

Derecognitions and maturities

  (72)  (67)  -   (139)

Provision for (recovery of) credit losses

  (95)  37   -   (58)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $1,079  $229  $-  $1,308 
                 

Commercial real estate loans

                

Balance at beginning of period

 $137  $-  $-  $137 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (88)  -   -   (88)

Loan originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  (88)  -   -   (88)

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $49  $-  $-  $49 
                 

Public sector and other financing

                

Balance at beginning of period

 $57  $-  $-  $57 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (15)  -   -   (15)

Loan originations

  -   -   -   - 

Derecognitions and maturities

  (1)  -   (116)  (117)

Provision for (recovery of) credit losses

  (16)  -   (116)  (132)

Write-offs

  -   -   -   - 

Recoveries

  -   -   116   116 

Balance at end of period

 $41  $-  $-  $41 
                 

Total balance at end of period

 $1,407  $229  $-  $1,636