Note 15 - Capital Management (Tables)

3 Months Ended

Jan. 31, 2023

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	January 31			October 31
	2023			2022
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	218,865		$	225,982
Contributed surplus		1,955			1,612
Retained earnings		116,638			109,335
Accumulated other comprehensive income		72			99
CET1 before regulatory adjustments		337,530			337,028
Regulatory adjustments applied to CET1		(11,119	)		(11,371	)
Common Equity Tier 1 capital	$	326,411		$	325,657
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	340,058		$	339,304
Tier 2 capital
Directly issued Tier 2 capital instruments	$	105,125		$	107,367
Tier 2 capital before regulatory adjustments		105,125			107,367
Eligible stage 1 and stage 2 allowance		2,289			1,904
Total Tier 2 capital	$	107,414		$	109,271
Total regulatory capital	$	447,472		$	448,575
Total risk-weighted assets	$	2,917,048		$	2,714,902
Capital ratios
CET1 capital ratio		11.19	%		12.00	%
Tier 1 capital ratio		11.66	%		12.50	%
Total capital ratio		15.34	%		16.52	%

(thousands of Canadian dollars)
	January 31			October 31
	2023			2022
On-balance sheet assets	$	3,531,690		$	3,265,998
Assets amounts adjusted in determining the Basel III
Tier 1 capital		(11,119	)		(11,371	)
Total on-balance sheet exposures		3,520,571			3,254,627
Total off-balance sheet exposure at gross notional amount	$	404,883		$	443,124
Adjustments for conversion to credit equivalent amount		(232,402	)		(251,101	)
Total off-balance sheet exposures		172,481			192,023
Tier 1 capital		340,058			339,304
Total exposures		3,693,052			3,446,650
Leverage ratio		9.21	%		9.84	%