Note 20 - Interest Rate Risk and Liquidity Risk (Tables)

12 Months Ended

Oct. 31, 2024

Statement Line Items [Line Items]

Disclosure of financial instruments by type of interest rate [text block]

(thousands of Canadian dollars)
	Floating			Within			3 months to			1 year to			2 years to			Over			Non-interest
	rate			3 months			1 year			2 years			5 years			5 years			rate sensitive			Total
Assets
Cash	$	225,254		$	-		$	-		$	-		$	-		$	-		$	-		$	225,254
Effective rate		3.60	%
Securities		-			287,862			7,275			-			-			4,163			-			299,300
Effective rate					3.53	%		4.91	%								5.73	%
Loans		716,609			109,736			347,502			314,375			2,244,279			485,141			18,474			4,236,116
Effective rate		8.60	%		6.78	%		6.49	%		5.61	%		6.19	%		5.84	%
Other		-			-			-			-			-			-			77,814			77,814
Effective rate
Total Assets	$	941,863		$	397,598		$	354,777		$	314,375		$	2,244,279		$	489,304		$	96,288		$	4,838,484
Liabilities
Deposits	$	729,719		$	454,182		$	1,749,894		$	494,866		$	639,058		$	-		$	76,954		$	4,144,673
Effective rate		2.72	%		4.67	%		4.63	%		4.16	%		4.64	%
Subordinated notes*		-			-			-			-			-			102,503			-			102,503
Effective rate																	5.38	%
Other		177,284			-			-			-			-			-			14,821			192,105
Effective rate		3.17	%
Equity		-			-			-			-			-			-			399,203			399,203
Effective rate
Total liabilities and equity	$	907,003		$	454,182		$	1,749,894		$	494,866		$	639,058		$	102,503		$	490,978		$	4,838,484
Derivative instruments	$	21,963		$	-		$	-		$	-		$	-		$	(21,963	)	$	-		$	-
October 31, 2024 gap	$	56,823		$	(56,584	)	$	(1,395,117	)	$	(180,491	)	$	1,605,221		$	364,838		$	(394,690	)	$	-
Cumulative	$	56,823		$	239		$	(1,394,878	)	$	(1,575,369	)	$	29,852		$	394,690		$	-		$	-
October 31, 2023 gap	$	246,306		$	(136,284	)	$	(1,105,798	)	$	(219,263	)	$	1,063,460		$	529,711		$	(378,132	)	$	-
Cumulative	$	246,306		$	110,022		$	(995,776	)	$	(1,215,039	)	$	(151,579	)	$	378,132		$	-		$	-