Note 14 - Capital Management (Tables)

9 Months Ended

Jul. 31, 2022

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	July 31			October 31
	2022			2021
	"Transitional"
	& "All in"			"All in"
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	228,863		$	227,819
Retained earnings		104,071			90,644
Accumulated other comprehensive income		67			(4	)
CET1 before regulatory adjustments		333,001			318,459
Regulatory adjustments applied to CET1		(11,615	)		(12,751	)
Common Equity Tier 1 capital	$	321,386		$	305,708
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	335,033		$	319,355
Tier 2 capital
Directly issued Tier 2 capital instruments	$	101,180		$	97,910
Tier 2 capital before regulatory adjustments		101,180			97,910
Eligible stage 1 and stage 2 allowance		1,699			1,453
Total Tier 2 capital	$	102,879		$	99,363
Total regulatory capital	$	437,912		$	418,718
Total risk-weighted assets	$	2,568,678		$	2,013,544
Capital ratios
CET1 capital ratio		12.51	%		15.18	%
Tier 1 capital ratio		13.04	%		15.86	%
Total capital ratio		17.05	%		20.80	%

(thousands of Canadian dollars)
	July 31			October 31
	2022			2021
	"Transitional"
	& "All in"			"All in"
On-balance sheet assets	$	3,075,343		$	2,415,086
Assets amounts adjusted in determining the Basel III Tier 1 capital		(11,615	)		(12,751	)
Total on-balance sheet exposures		3,063,728			2,402,335
Total off-balance sheet exposure at gross notional amount	$	374,489		$	342,710
Adjustments for conversion to credit equivalent amount		(210,567	)		(210,065	)
Total off-balance sheet exposures		163,922			132,645
Tier 1 capital		335,033			319,355
Total exposures		3,227,650			2,534,980
Leverage ratio		10.38	%		12.60	%