Note 15 - Capital Management (Tables)

6 Months Ended

Apr. 30, 2023

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
		April 30		October 31
	2023			2022
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	215,233		$	225,982
Contributed surplus		2,147			1,612
Retained earnings		125,398			109,335
Accumulated other comprehensive income		94			99
CET1 before regulatory adjustments		342,872			337,028
Regulatory adjustments applied to CET1		(11,258	)		(11,371	)
Common Equity Tier 1 capital	$	331,614		$	325,657
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	345,261		$	339,304
Tier 2 capital
Directly issued Tier 2 capital instruments	$	106,835		$	107,367
Tier 2 capital before regulatory adjustments		106,835			107,367
Eligible stage 1 and stage 2 allowance		2,526			1,904
Total Tier 2 capital	$	109,361		$	109,271
Total regulatory capital	$	454,622		$	448,575
Total risk-weighted assets	$	2,957,933		$	2,714,902
Capital ratios
CET1 capital ratio		11.21	%		12.00	%
Tier 1 capital ratio		11.67	%		12.50	%
Total capital ratio		15.37	%		16.52	%

(thousands of Canadian dollars)
	April 30			October 31
	2023			2022
On-balance sheet assets	$	3,729,393		$	3,265,998
Assets amounts adjusted in determining the Basel III
Tier 1 capital		(11,258	)		(11,371	)
Total on-balance sheet exposures		3,718,135			3,254,627
Total off-balance sheet exposure at gross notional amount	$	457,175		$	443,124
Adjustments for conversion to credit equivalent amount		(266,913	)		(251,101	)
Total off-balance sheet exposures		190,262			192,023
Tier 1 capital		345,261			339,304
Total exposures		3,908,397			3,446,650
Leverage ratio		8.83	%		9.84	%