Note 13 - Capital Management (Tables)

6 Months Ended

Apr. 30, 2022

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	April 30			October 31
	2022			2021
	"Transitional"
	& "All in"			"All in"
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	228,439		$	227,819
Retained earnings		99,285			90,644
Accumulated other comprehensive income		43			(4	)
CET1 before regulatory adjustments		327,767			318,459
Regulatory adjustments applied to CET1		(11,804	)		(12,751	)
Common Equity Tier 1 capital	$	315,963		$	305,708
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	329,610		$	319,355
Tier 2 capital
Directly issued Tier 2 capital instruments	$	100,940		$	97,910
Tier 2 capital before regulatory adjustments		100,940			97,910
Eligible stage 1 and stage 2 allowance		1,533			1,453
Total Tier 2 capital	$	102,473		$	99,363
Total regulatory capital	$	432,083		$	418,718
Total risk-weighted assets	$	2,313,030		$	2,013,544
Capital ratios
CET1 capital ratio		13.66	%		15.18	%
Tier 1 capital ratio		14.25	%		15.86	%
Total capital ratio		18.68	%		20.80	%

(thousands of Canadian dollars)
	April 30			October 31
	2022			2021
	"Transitional"
	& "All in"			"All in"
On-balance sheet assets	$	2,692,146		$	2,415,086
Assets amounts adjusted in determining the Basel III
Tier 1 capital		(11,804	)		(12,751	)
Total on-balance sheet exposures		2,680,342			2,402,335
Total off-balance sheet exposure at gross notional amount	$	366,780		$	342,710
Adjustments for conversion to credit equivalent amount		(212,907	)		(210,065	)
Total off-balance sheet exposures		153,873			132,645
Tier 1 capital		329,610			319,355
Total exposures		2,834,215			2,534,980
Leverage ratio		11.63	%		12.60	%