Note 15 - Capital Management (Tables)

6 Months Ended

Apr. 30, 2024

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	April 30			October 31
	2024			2023
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	214,824		$	214,824
Contributed surplus		2,717			2,513
Retained earnings		168,776			146,043
Accumulated other comprehensive income		139			131
CET1 before regulatory adjustments		386,456			363,511
Regulatory adjustments applied to CET1		(11,303	)		(12,699	)
Common Equity Tier 1 capital	$	375,153		$	350,812
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	388,800		$	364,459
Tier 2 capital
Directly issued Tier 2 capital instruments	$	103,095		$	109,033
Tier 2 capital before regulatory adjustments		103,095			109,033
Eligible stage 1 and stage 2 allowance		2,402			2,513
Total Tier 2 capital	$	105,497		$	111,546
Total regulatory capital	$	494,297		$	476,005
Total risk-weighted assets	$	3,224,822		$	3,095,092
Capital ratios
CET1 capital ratio		11.63	%		11.33	%
Tier 1 capital ratio		12.06	%		11.78	%
Total capital ratio		15.33	%		15.38	%

(thousands of Canadian dollars)
	April 30			October 31
	2024			2023
On-balance sheet assets	$	4,388,320		$	4,201,610
Assets amounts adjusted in determining the Basel III Tier 1 capital		(11,303	)		(12,699	)
Total on-balance sheet exposures		4,377,017			4,188,911
Total off-balance sheet exposure at gross notional amount	$	510,509		$	481,389
Adjustments for conversion to credit equivalent amount		(339,616	)		(281,705	)
Total off-balance sheet exposures		170,893			199,684
Tier 1 capital		388,800			364,459
Total exposures		4,547,910			4,388,595
Leverage ratio		8.55	%		8.30	%