XML 80 R56.htm IDEA: XBRL DOCUMENT v3.23.3
Note 6 - Loans, Net of Allowance for Credit Losses - Reconciliation of ECL Allowance by Lending Asset Category (Details) - CAD ($)
$ in Thousands
12 Months Ended
Oct. 31, 2023
Oct. 31, 2022
Statement Line Items [Line Items]    
Provision for (recovery of) credit losses $ 609 $ 451
Loans [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 1,904  
Recoveries 0 0
Balance at end of period 2,513 1,904
Loans [member] | Stage 1 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 1,766  
Net remeasurement of loss allowance (265) 365
Recoveries 0 0
Balance at end of period 1,945 1,766
Loans [member] | Stage 2 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 138  
Net remeasurement of loss allowance (180) (95)
Recoveries 0 0
Balance at end of period 568 138
Loans [member] | Financial instruments credit-impaired [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0  
Net remeasurement of loss allowance 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Point of sale loans and leases [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 545 275
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance (445) 270
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses (445) 270
Write-offs 0 0
Recoveries 0 0
Balance at end of period 100 545
Loans [member] | Point of sale loans and leases [member] | Stage 1 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 545 275
Transfer in (out) to Stage 1 160 91
Transfer in (out) to Stage 2 (340) (186)
Transfer in (out) to Stage 3 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses (445) 270
Write-offs 0 0
Recoveries 0 0
Balance at end of period 100 545
Loans [member] | Point of sale loans and leases [member] | Stage 2 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 (160) (91)
Transfer in (out) to Stage 2 340 186
Transfer in (out) to Stage 3 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Point of sale loans and leases [member] | Financial instruments credit-impaired [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Commercial real estate mortgages [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 1,287 1,114
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 768 45
Loan originations 608 286
Derecognitions and maturities (441) (158)
Provision for (recovery of) credit losses 935 173
Write-offs 0 0
Recoveries 0 0
Balance at end of period 2,222 1,287
Loans [member] | Commercial real estate mortgages [member] | Stage 1 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 1,150 980
Transfer in (out) to Stage 1 279 75
Transfer in (out) to Stage 2 (581) (129)
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 668 74
Loan originations 604 286
Derecognitions and maturities (421) (136)
Provision for (recovery of) credit losses 549 170
Write-offs 0 0
Recoveries 0 0
Balance at end of period 1,699 1,150
Loans [member] | Commercial real estate mortgages [member] | Stage 2 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 137 134
Transfer in (out) to Stage 1 (279) (75)
Transfer in (out) to Stage 2 581 129
Transfer in (out) to Stage 3 (13) 0
Net remeasurement of loss allowance 113 (29)
Loan originations 4 0
Derecognitions and maturities (20) (22)
Provision for (recovery of) credit losses 386 3
Write-offs 0 0
Recoveries 0 0
Balance at end of period 523 137
Loans [member] | Commercial real estate mortgages [member] | Financial instruments credit-impaired [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 13 0
Net remeasurement of loss allowance (13) 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Commercial real estate loans [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 54 45
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance (6) 9
Loan originations 0 0
Derecognitions and maturities (6) 0
Provision for (recovery of) credit losses (12) 9
Write-offs 0 0
Recoveries 0 0
Balance at end of period 42 54
Loans [member] | Commercial real estate loans [member] | Stage 1 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 54 45
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance (6) 9
Loan originations 0 0
Derecognitions and maturities (6) 0
Provision for (recovery of) credit losses (12) 9
Write-offs 0 0
Recoveries 0 0
Balance at end of period 42 54
Loans [member] | Commercial real estate loans [member] | Stage 2 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Commercial real estate loans [member] | Financial instruments credit-impaired [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Recoveries 0 0
Balance at end of period 0 0
Loans [member] | Public sector and other financing [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 18 19
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 25 0
Loan originations 106 0
Derecognitions and maturities 0 (1)
Provision for (recovery of) credit losses 131 (1)
Write-offs 0 0
Balance at end of period 149 18
Loans [member] | Public sector and other financing [member] | Stage 1 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 17 16
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 (8) 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 12 2
Loan originations 83 0
Derecognitions and maturities 0 (1)
Provision for (recovery of) credit losses 87 1
Write-offs 0 0
Balance at end of period 104 17
Loans [member] | Public sector and other financing [member] | Stage 2 [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 1 3
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 8 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 13 (2)
Loan originations 23 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 44 (2)
Write-offs 0 0
Balance at end of period 45 1
Loans [member] | Public sector and other financing [member] | Financial instruments credit-impaired [member]    
Statement Line Items [Line Items]    
Balance at beginning of period 0 0
Transfer in (out) to Stage 1 0 0
Transfer in (out) to Stage 2 0 0
Transfer in (out) to Stage 3 0 0
Net remeasurement of loss allowance 0 0
Loan originations 0 0
Derecognitions and maturities 0 0
Provision for (recovery of) credit losses 0 0
Write-offs 0 0
Balance at end of period $ 0 $ 0