v3.22.2.2
Note 17 - Interest Rate Risk and Liquidity Risk - Interest Rate Risk Gaps (Details) - CAD ($)
$ in Thousands
Oct. 31, 2022
Oct. 31, 2021
Oct. 31, 2020
Statement Line Items [Line Items]      
Cash $ 88,581 $ 271,523 $ 257,644
Securities 141,564 0  
Loans 2,992,678 2,103,050  
Other 43,175 40,513  
Total assets 3,265,998 2,415,086  
Deposits 2,657,540 1,853,204  
Subordinated notes 104,951 95,272  
Other 152,832 134,504  
Equity 350,675 332,106  
Total liabilities and equity 3,265,998 2,415,086  
Gap 0 0  
Cumulative 0 0  
Interest rate risk [member]      
Statement Line Items [Line Items]      
Cash 0    
Securities 0    
Loans 12,798    
Other 43,175    
Total assets 55,973    
Deposits 26,901    
Subordinated notes 0    
Other 18,716    
Equity 337,028    
Total liabilities and equity 382,645    
Gap (326,672) (299,988)  
Cumulative 0 0  
Floating interest rate [member]      
Statement Line Items [Line Items]      
Deposits 507,879    
Floating interest rate [member] | Interest rate risk [member]      
Statement Line Items [Line Items]      
Cash 88,581    
Securities 0    
Loans 670,350    
Other 0    
Total assets 758,931    
Deposits 507,879    
Subordinated notes 0    
Other 134,116    
Equity 0    
Total liabilities and equity 641,995    
Gap 116,936 316,829  
Cumulative $ 116,936 316,829  
Floating interest rate [member] | Interest rate risk [member] | Cash [member]      
Statement Line Items [Line Items]      
Effective rate 2.60%    
Floating interest rate [member] | Interest rate risk [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 8.29%    
Floating interest rate [member] | Interest rate risk [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 2.81%    
Floating interest rate [member] | Interest rate risk [member] | Other liabilities [member]      
Statement Line Items [Line Items]      
Effective rate 3.17%    
Fixed interest rate [member] | Not later than three months [member]      
Statement Line Items [Line Items]      
Deposits $ 275,220    
Fixed interest rate [member] | Later than three months and not later than one year [member]      
Statement Line Items [Line Items]      
Deposits 904,664    
Fixed interest rate [member] | Later than one year and not later than two years [member]      
Statement Line Items [Line Items]      
Deposits 529,806    
Fixed interest rate [member] | Later than five years [member]      
Statement Line Items [Line Items]      
Deposits 331    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member]      
Statement Line Items [Line Items]      
Cash 0    
Securities 121,871    
Loans 106,262    
Other 0    
Total assets 228,133    
Deposits 275,220    
Subordinated notes 0    
Other 0    
Equity 0    
Total liabilities and equity 275,220    
Gap (47,087) (209,462)  
Cumulative $ 69,849 107,367  
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Securities [member]      
Statement Line Items [Line Items]      
Effective rate 3.06%    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 4.57%    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 2.01%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 19,693    
Loans 501,818    
Other 0    
Total assets 521,511    
Deposits 904,664    
Subordinated notes 0    
Other 0    
Equity 0    
Total liabilities and equity 904,664    
Gap (383,153) (152,523)  
Cumulative $ (313,304) (45,156)  
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Securities [member]      
Statement Line Items [Line Items]      
Effective rate 2.81%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.42%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 2.99%    
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 0    
Loans 238,460    
Other 0    
Total assets 238,460    
Deposits 529,806    
Subordinated notes 0    
Other 0    
Equity 0    
Total liabilities and equity 529,806    
Gap (291,346) (40,897)  
Cumulative $ (604,650) (86,053)  
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 4.93%    
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 2.90%    
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 0    
Loans 1,050,292    
Other 0    
Total assets 1,050,292    
Deposits 412,739    
Subordinated notes 0    
Other $ 0    
Effective rate 6.77%    
Equity $ 13,647    
Total liabilities and equity 426,386    
Gap 623,906 327,480  
Cumulative $ 19,256 241,427  
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 4.95%    
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 2.57%    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 0    
Loans 412,698    
Other 0    
Total assets 412,698    
Deposits 331    
Subordinated notes 104,951    
Other 0    
Equity 0    
Total liabilities and equity 105,282    
Gap 307,416 58,561  
Cumulative $ 326,672 $ 299,988  
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.58%    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 5.07%    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Subordinated notes [member]      
Statement Line Items [Line Items]      
Effective rate 5.62%