Insolvency Statistics in Canada—Fourth Quarter of 2015

Table 5: Insolvencies Filed by Consumers by Economic Region (ER)
Province or Region Volume % Change 12-Month Period Ending
Q4 2015 Q3 2015 Q4 2014 Q3 2015 to Q4 2015 Q4 2014 to Q4 2015 12-31-2015 12-31-2014 % Change
Newfoundland and Labrador 465 459 362 1.3 28.5 1,822 1,545 17.9
Bankruptcies 351 394 300 -10.9 17.0 1,498 1,348 11.1
Proposals 114 65 62 75.4 83.9 324 197 64.5
Avalon Peninsula 228 221 166 3.2 37.3 887 722 22.9
Bankruptcies 150 187 139 -19.8 7.9 697 620 12.4
Proposals 78 34 27 129.4 188.9 190 102 86.3
South Coast – Burin Peninsula 33 28 22 17.9 50.0 114 109 4.6
Bankruptcies 27 27 19 0.0 42.1 102 97 5.2
Proposals 6 1 3 500.0 100.0 12 12 0.0
West Coast – Northern Peninsula – Labrador 87 90 72 -3.3 20.8 346 286 21.0
Bankruptcies 69 70 54 -1.4 27.8 275 248 10.9
Proposals 18 20 18 -10.0 0.0 71 38 86.8
Notre Dame – Central Bonavista Bay 117 120 102 -2.5 14.7 475 427 11.2
Bankruptcies 105 110 89 -4.5 18.0 424 382 11.0
Proposals 12 10 13 20.0 -7.7 51 45 13.3
Prince Edward Island 216 195 163 10.8 32.5 806 721 11.8
Bankruptcies 142 124 102 14.5 39.2 519 502 3.4
Proposals 74 71 61 4.2 21.3 287 219 31.1
Nova Scotia 1,347 1,291 1,284 4.3 4.9 5,232 5,227 0.1
Bankruptcies 937 896 942 4.6 -0.5 3,648 3,726 -2.1
Proposals 410 395 342 3.8 19.9 1,584 1,501 5.5
Cape Breton 227 206 213 10.2 6.6 837 799 4.8
Bankruptcies 129 112 139 15.2 -7.2 451 485 -7.0
Proposals 98 94 74 4.3 32.4 386 314 22.9
North Shore 258 248 236 4.0 9.3 956 1,031 -7.3
Bankruptcies 178 171 175 4.1 1.7 669 718 -6.8
Proposals 80 77 61 3.9 31.1 287 313 -8.3
Annapolis Valley 217 179 198 21.2 9.6 766 744 3.0
Bankruptcies 169 137 159 23.4 6.3 598 591 1.2
Proposals 48 42 39 14.3 23.1 168 153 9.8
Southern 122 141 151 -13.5 -19.2 579 605 -4.3
Bankruptcies 89 116 110 -23.3 -19.1 434 453 -4.2
Proposals 33 25 41 32.0 -19.5 145 152 -4.6
Halifax 524 517 486 1.4 7.8 2,097 2,049 2.3
Bankruptcies 373 361 360 3.3 3.6 1,499 1,479 1.4
Proposals 151 156 126 -3.2 19.8 598 570 4.9
New Brunswick 1,013 1,176 1,081 -13.9 -6.3 4,331 4,308 0.5
Bankruptcies 652 770 766 -15.3 -14.9 2,814 3,021 -6.9
Proposals 361 406 315 -11.1 14.6 1,517 1,287 17.9
Campbellton – Miramichi 210 237 216 -11.4 -2.8 870 764 13.9
Bankruptcies 132 176 168 -25.0 -21.4 600 577 4.0
Proposals 78 61 48 27.9 62.5 270 187 44.4
Moncton – Richibucto 310 352 337 -11.9 -8.0 1,290 1,359 -5.1
Bankruptcies 194 230 231 -15.7 -16.0 840 917 -8.4
Proposals 116 122 106 -4.9 9.4 450 442 1.8
Saint John – St. Stephen 236 275 245 -14.2 -3.7 1,040 993 4.7
Bankruptcies 154 162 171 -4.9 -9.9 638 674 -5.3
Proposals 82 113 74 -27.4 10.8 402 319 26.0
Fredericton – Oromocto 167 201 175 -16.9 -4.6 734 751 -2.3
Bankruptcies 109 121 112 -9.9 -2.7 463 519 -10.8
Proposals 58 80 63 -27.5 -7.9 271 232 16.8
Edmundston – Woodstock 90 111 108 -18.9 -16.7 394 442 -10.9
Bankruptcies 63 81 84 -22.2 -25.0 272 335 -18.8
Proposals 27 30 24 -10.0 12.5 122 107 14.0
Quebec 10,610 10,630 10,555 -0.2 0.5 43,705 41,554 5.2
Bankruptcies 5,983 6,078 6,107 -1.6 -2.0 24,539 24,447 0.4
Proposals 4,627 4,552 4,448 1.6 4.0 19,166 17,107 12.0
Gaspésie – Îles-de-la-Madeleine 107 127 106 -15.7 0.9 506 416 21.6
Bankruptcies 59 85 51 -30.6 15.7 285 224 27.2
Proposals 48 42 55 14.3 -12.7 221 192 15.1
Bas-Saint-Laurent 236 218 235 8.3 0.4 901 858 5.0
Bankruptcies 122 151 142 -19.2 -14.1 523 531 -1.5
Proposals 114 67 93 70.1 22.6 378 327 15.6
Capitale-Nationale 831 786 695 5.7 19.6 3,208 2,686 19.4
Bankruptcies 526 479 456 9.8 15.4 1,959 1,732 13.1
Proposals 305 307 239 -0.7 27.6 1,249 954 30.9
Chaudière – Appalaches 433 377 359 14.9 20.6 1,633 1,500 8.9
Bankruptcies 226 234 226 -3.4 0.0 933 970 -3.8
Proposals 207 143 133 44.8 55.6 700 530 32.1
Estrie 404 351 394 15.1 2.5 1,543 1,428 8.1
Bankruptcies 259 243 244 6.6 6.1 997 941 6.0
Proposals 145 108 150 34.3 -3.3 546 487 12.1
Centre-du-Québec 278 258 284 7.8 -2.1 1,166 1,125 3.6
Bankruptcies 155 136 149 14.0 4.0 640 633 1.1
Proposals 123 122 135 0.8 -8.9 526 492 6.9
Montérégie 1,956 2,152 2,081 -9.1 -6.0 8,402 8,224 2.2
Bankruptcies 1,083 1,129 1,122 -4.1 -3.5 4,487 4,521 -0.8
Proposals 873 1,023 959 -14.7 -9.0 3,915 3,703 5.7
Montréal 2,270 2,164 2,185 4.9 3.9 9,196 9,064 1.5
Bankruptcies 1,330 1,268 1,319 4.9 0.8 5,387 5,652 -4.7
Proposals 940 896 866 4.9 8.5 3,809 3,412 11.6
Laval 586 514 565 14.0 3.7 2,289 2,205 3.8
Bankruptcies 296 262 286 13.0 3.5 1,187 1,233 -3.7
Proposals 290 252 279 15.1 3.9 1,102 972 13.4
Lanaudière 849 905 873 -6.2 -2.7 3,595 3,523 2.0
Bankruptcies 442 438 477 0.9 -7.3 1,755 1,806 -2.8
Proposals 407 467 396 -12.8 2.8 1,840 1,717 7.2
Laurentides 1,004 1,112 1,080 -9.7 -7.0 4,490 4,226 6.2
Bankruptcies 487 631 588 -22.8 -17.2 2,370 2,269 4.5
Proposals 517 481 492 7.5 5.1 2,120 1,957 8.3
Outaouais 594 665 703 -10.7 -15.5 2,677 2,623 2.1
Bankruptcies 330 401 380 -17.7 -13.2 1,486 1,491 -0.3
Proposals 264 264 323 0.0 -18.3 1,191 1,132 5.2
Abitibi – Témiscamingue 183 179 183 2.2 0.0 791 682 16.0
Bankruptcies 100 109 116 -8.3 -13.8 448 413 8.5
Proposals 83 70 67 18.6 23.9 343 269 27.5
Mauricie 410 375 355 9.3 15.5 1,528 1,338 14.2
Bankruptcies 279 249 245 12.0 13.9 1,012 915 10.6
Proposals 131 126 110 4.0 19.1 516 423 22.0
Saguenay – Lac-Saint-Jean 361 329 345 9.7 4.6 1,373 1,266 8.5
Bankruptcies 215 198 232 8.6 -7.3 816 859 -5.0
Proposals 146 131 113 11.5 29.2 557 407 36.9
Côte-Nord 91 103 94 -11.7 -3.2 348 324 7.4
Bankruptcies 63 55 63 14.5 0.0 221 221 0.0
Proposals 28 48 31 -41.7 -9.7 127 103 23.3
Nord-du-Québec 17 13 18 30.8 -5.6 59 67 -11.9
Bankruptcies 11 9 12 22.2 -8.3 34 38 -10.5
Proposals 6 4 6 50.0 0.0 25 29 -13.8
Ontario 9,925 9,577 9,981 3.6 -0.6 39,935 41,108 -2.9
Bankruptcies 4,471 4,283 4,774 4.4 -6.3 17,958 19,234 -6.6
Proposals 5,454 5,294 5,207 3.0 4.7 21,977 21,874 0.5
Ottawa 969 947 1,015 2.3 -4.5 3,768 3,826 -1.5
Bankruptcies 523 528 617 -0.9 -15.2 2,097 2,238 -6.3
Proposals 446 419 398 6.4 12.1 1,671 1,588 5.2
Kingston – Pembroke 440 375 424 17.3 3.8 1,683 1,642 2.5
Bankruptcies 232 195 216 19.0 7.4 875 878 -0.3
Proposals 208 180 208 15.6 0.0 808 764 5.8
Muskoka – Kawarthas 297 287 329 3.5 -9.7 1,203 1,325 -9.2
Bankruptcies 150 144 159 4.2 -5.7 569 654 -13.0
Proposals 147 143 170 2.8 -13.5 634 671 -5.5
Toronto 3,941 3,891 4,036 1.3 -2.4 16,015 17,035 -6.0
Bankruptcies 1,470 1,523 1,622 -3.5 -9.4 6,176 6,703 -7.9
Proposals 2,471 2,368 2,414 4.3 2.4 9,839 10,332 -4.8
Kitchener – Waterloo – Barrie 996 937 993 6.3 0.3 4,039 4,139 -2.4
Bankruptcies 450 414 492 8.7 -8.5 1,825 2,010 -9.2
Proposals 546 523 501 4.4 9.0 2,214 2,129 4.0
Hamilton – Niagara Peninsula 1,091 988 1,121 10.4 -2.7 4,409 4,737 -6.9
Bankruptcies 483 421 537 14.7 -10.1 1,921 2,190 -12.3
Proposals 608 567 584 7.2 4.1 2,488 2,547 -2.3
London 659 654 666 0.8 -1.1 2,660 2,670 -0.4
Bankruptcies 306 298 344 2.7 -11.0 1,210 1,378 -12.2
Proposals 353 356 322 -0.8 9.6 1,450 1,292 12.2
Windsor – Sarnia 578 569 515 1.6 12.2 2,290 2,159 6.1
Bankruptcies 290 271 273 7.0 6.2 1,121 1,156 -3.0
Proposals 288 298 242 -3.4 19.0 1,169 1,003 16.6
Stratford – Bruce Peninsula 177 175 182 1.1 -2.7 711 763 -6.8
Bankruptcies 95 94 110 1.1 -13.6 381 447 -14.8
Proposals 82 81 72 1.2 13.9 330 316 4.4
Northeast 649 618 575 5.0 12.9 2,598 2,312 12.4
Bankruptcies 383 314 314 22.0 22.0 1,425 1,259 13.2
Proposals 266 304 261 -12.5 1.9 1,173 1,053 11.4
Northwest 128 135 125 -5.2 2.4 559 501 11.6
Bankruptcies 88 81 89 8.6 -1.1 358 321 11.5
Proposals 40 54 36 -25.9 11.1 201 180 11.7
Manitoba 550 526 497 4.6 10.7 2,098 1,891 10.9
Bankruptcies 303 310 325 -2.3 -6.8 1,264 1,200 5.3
Proposals 247 216 172 14.4 43.6 834 691 20.7
Southeast 29 33 34 -12.1 -14.7 162 127 27.6
Bankruptcies 21 22 23 -4.5 -8.7 121 82 47.6
Proposals 8 11 11 -27.3 -27.3 41 45 -8.9
South Central 18 14 18 28.6 0.0 59 67 -11.9
Bankruptcies 11 8 14 37.5 -21.4 43 56 -23.2
Proposals 7 6 4 16.7 75.0 16 11 45.5
Southwest 67 78 65 -14.1 3.1 282 254 11.0
Bankruptcies 29 34 39 -14.7 -25.6 131 131 0.0
Proposals 38 44 26 -13.6 46.2 151 123 22.8
North Central 17 12 25 41.7 -32.0 61 81 -24.7
Bankruptcies 11 10 15 10.0 -26.7 42 44 -4.5
Proposals 6 2 10 200.0 -40.0 19 37 -48.6
Winnipeg 342 327 295 4.6 15.9 1,278 1,139 12.2
Bankruptcies 190 202 197 -5.9 -3.6 778 751 3.6
Proposals 152 125 98 21.6 55.1 500 388 28.9
Interlake 31 21 19 47.6 63.2 101 99 2.0
Bankruptcies 18 17 13 5.9 38.5 67 67 0.0
Proposals 13 4 6 225.0 116.7 34 32 6.3
Parklands 26 25 21 4.0 23.8 91 58 56.9
Bankruptcies 14 9 10 55.6 40.0 47 28 67.9
Proposals 12 16 11 -25.0 9.1 44 30 46.7
North 19 16 20 18.8 -5.0 60 66 -9.1
Bankruptcies 8 9 16 -11.1 -50.0 33 41 -19.5
Proposals 11 7 4 57.1 175.0 27 25 8.0
Saskatchewan 584 557 462 4.8 26.4 2,198 1,938 13.4
Bankruptcies 330 276 254 19.6 29.9 1,155 1,105 4.5
Proposals 254 281 208 -9.6 22.1 1,043 833 25.2
Regina – Moose Mountain 178 179 151 -0.6 17.9 676 603 12.1
Bankruptcies 80 67 82 19.4 -2.4 297 325 -8.6
Proposals 98 112 69 -12.5 42.0 379 278 36.3
Swift Current – Moose Jaw 59 51 42 15.7 40.5 194 188 3.2
Bankruptcies 42 36 31 16.7 35.5 120 118 1.7
Proposals 17 15 11 13.3 54.5 74 70 5.7
Saskatoon – Biggar 190 176 138 8.0 37.7 694 619 12.1
Bankruptcies 89 86 73 3.5 21.9 335 347 -3.5
Proposals 101 90 65 12.2 55.4 359 272 32.0
Yorkton – Melville 36 34 39 5.9 -7.7 142 134 6.0
Bankruptcies 31 18 21 72.2 47.6 93 71 31.0
Proposals 5 16 18 -68.8 -72.2 49 63 -22.2
Prince Albert 110 114 83 -3.5 32.5 459 357 28.6
Bankruptcies 78 68 42 14.7 85.7 292 225 29.8
Proposals 32 46 41 -30.4 -22.0 167 132 26.5
Northern 12 3 8 300.0 50.0 33 36 -8.3
Bankruptcies 11 1 5 1,000.0 120.0 18 19 -5.3
Proposals 1 2 3 -50.0 -66.7 15 17 -11.8
Alberta 2,643 2,477 2,008 6.7 31.6 9,810 8,281 18.5
Bankruptcies 1,117 1,067 893 4.7 25.1 4,280 3,859 10.9
Proposals 1,526 1,410 1,115 8.2 36.9 5,530 4,422 25.1
Lethbridge – Medicine Hat 246 252 200 -2.4 23.0 961 834 15.2
Bankruptcies 110 117 75 -6.0 46.7 410 381 7.6
Proposals 136 135 125 0.7 8.8 551 453 21.6
Camrose – Drumheller 128 121 65 5.8 96.9 450 324 38.9
Bankruptcies 49 64 30 -23.4 63.3 229 165 38.8
Proposals 79 57 35 38.6 125.7 221 159 39.0
Calgary 1,004 881 766 14.0 31.1 3,695 3,101 19.2
Bankruptcies 403 346 329 16.5 22.5 1,481 1,356 9.2
Proposals 601 535 437 12.3 37.5 2,214 1,745 26.9
Banff – Jasper – Rocky Mountain House 57 47 31 21.3 83.9 213 154 38.3
Bankruptcies 26 19 19 36.8 36.8 87 79 10.1
Proposals 31 28 12 10.7 158.3 126 75 68.0
Red Deer 216 174 142 24.1 52.1 758 569 33.2
Bankruptcies 85 68 54 25.0 57.4 287 259 10.8
Proposals 131 106 88 23.6 48.9 471 310 51.9
Edmonton 748 776 630 -3.6 18.7 2,913 2,656 9.7
Bankruptcies 314 341 299 -7.9 5.0 1,323 1,282 3.2
Proposals 434 435 331 -0.2 31.1 1,590 1,374 15.7
Athabasca – Grande Prairie – Peace River 159 154 122 3.2 30.3 553 474 16.7
Bankruptcies 78 86 67 -9.3 16.4 322 271 18.8
Proposals 81 68 55 19.1 47.3 231 203 13.8
Wood Buffalo – Cold Lake 84 73 52 15.1 61.5 269 168 60.1
Bankruptcies 51 26 20 96.2 155.0 140 65 115.4
Proposals 33 47 32 -29.8 3.1 129 103 25.2
British Columbia 2,768 2,909 2,755 -4.8 0.5 11,580 11,383 1.7
Bankruptcies 1,293 1,375 1,434 -6.0 -9.8 5,683 6,345 -10.4
Proposals 1,475 1,534 1,321 -3.8 11.7 5,897 5,038 17.1
Vancouver Island and Coast 630 583 570 8.1 10.5 2,554 2,484 2.8
Bankruptcies 348 336 337 3.6 3.3 1,442 1,499 -3.8
Proposals 282 247 233 14.2 21.0 1,112 985 12.9
Lower Mainland – Southwest 1,507 1,648 1,558 -8.6 -3.3 6,409 6,324 1.3
Bankruptcies 626 699 771 -10.4 -18.8 2,877 3,360 -14.4
Proposals 881 949 787 -7.2 11.9 3,532 2,964 19.2
Thompson – Okanagan 339 396 360 -14.4 -5.8 1,506 1,517 -0.7
Bankruptcies 161 203 185 -20.7 -13.0 768 848 -9.4
Proposals 178 193 175 -7.8 1.7 738 669 10.3
Kootenay 98 91 84 7.7 16.7 374 362 3.3
Bankruptcies 57 48 48 18.8 18.8 222 236 -5.9
Proposals 41 43 36 -4.7 13.9 152 126 20.6
Cariboo 135 133 131 1.5 3.1 512 486 5.3
Bankruptcies 68 62 71 9.7 -4.2 265 289 -8.3
Proposals 67 71 60 -5.6 11.7 247 197 25.4
North Coast 15 16 11 -6.3 36.4 58 51 13.7
Bankruptcies 11 11 6 0.0 83.3 35 32 9.4
Proposals 4 5 5 -20.0 -20.0 23 19 21.1
Nechako 14 10 15 40.0 -6.7 51 72 -29.2
Bankruptcies 11 6 11 83.3 0.0 34 44 -22.7
Proposals 3 4 4 -25.0 -25.0 17 28 -39.3
Northeast 31 30 25 3.3 24.0 112 88 27.3
Bankruptcies 12 10 4 20.0 200.0 40 37 8.1
Proposals 19 20 21 -5.0 -9.5 72 51 41.2
Northwest Territories 23 11 16 109.1 43.8 52 49 6.1
Bankruptcies 13 5 10 160.0 30.0 28 26 7.7
Proposals 10 6 6 66.7 66.7 24 23 4.3
Yukon 5 13 8 -61.5 -37.5 35 39 -10.3
Bankruptcies 2 8 2 -75.0 0.0 18 22 -18.2
Proposals 3 5 6 -40.0 -50.0 17 17 0.0
Nunavut 3 0 2 -- 50.0 5 6 -16.7
Bankruptcies 1 0 2 -- -50.0 2 4 -50.0
Proposals 2 0 0 -- -- 3 2 50.0
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