Note 15 - Capital Management (Tables)

9 Months Ended

Jul. 31, 2024

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	July 31			October 31
	2024			2023
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	214,824		$	214,824
Contributed surplus		2,789			2,513
Retained earnings		177,584			146,043
Accumulated other comprehensive income		141			131
CET1 before regulatory adjustments		395,338			363,511
Regulatory adjustments applied to CET1		(10,842	)		(12,699	)
Common Equity Tier 1 capital	$	384,496		$	350,812
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	398,143		$	364,459
Tier 2 capital
Directly issued Tier 2 capital instruments	$	103,568		$	109,033
Tier 2 capital before regulatory adjustments		103,568			109,033
Eligible stage 1 and stage 2 allowance		2,401			2,513
Total Tier 2 capital	$	105,969		$	111,546
Total regulatory capital	$	504,112		$	476,005
Total risk-weighted assets	$	3,273,524		$	3,095,092
Capital ratios
CET1 capital ratio		11.75	%		11.33	%
Tier 1 capital ratio		12.16	%		11.78	%
Total capital ratio		15.40	%		15.38	%

(thousands of Canadian dollars)
	July 31			October 31
	2024			2023
On-balance sheet assets	$	4,516,436		$	4,201,610
Assets amounts adjusted in determining the Basel III
Tier 1 capital		(10,842	)		(12,699	)
Total on-balance sheet exposures		4,505,594			4,188,911
Total off-balance sheet exposure at gross notional amount	$	433,661		$	481,389
Adjustments for conversion to credit equivalent amount		(275,050	)		(281,705	)
Total off-balance sheet exposures		158,611			199,684
Tier 1 capital		398,143			364,459
Total exposures		4,664,205			4,388,595
Leverage ratio		8.54	%		8.30	%