Insolvency Statistics in Canada—Third Quarter of 2016

Table 5: Insolvencies Filed by Consumers by Economic Region (ER)
Province or Region Volume % Change 12-Month Period Ending
Q3 2016 Q2 2016 Q3 2015 Q2 2016 to Q3 2016 Q3 2015 to Q3 2016 09-30-2016 09-30-2015 % Change
Newfoundland and Labrador 595 694 459 -14.3 29.6 2,297 1,719 33.6
Bankruptcies 381 454 394 -16.1 -3.3 1,550 1,447 7.1
Proposals 214 240 65 -10.8 229.2 747 272 174.6
Avalon Peninsula 296 346 221 -14.5 33.9 1,179 825 42.9
Bankruptcies 167 183 187 -8.7 -10.7 681 686 -0.7
Proposals 129 163 34 -20.9 279.4 498 139 258.3
South Coast – Burin Peninsula 50 53 28 -5.7 78.6 164 103 59.2
Bankruptcies 37 40 27 -7.5 37.0 128 93 37.6
Proposals 13 13 1 0.0 1,200.0 36 10 260.0
West Coast – Northern Peninsula – Labrador 97 131 90 -26.0 7.8 393 332 18.4
Bankruptcies 63 93 70 -32.3 -10.0 282 261 8.0
Proposals 34 38 20 -10.5 70.0 111 71 56.3
Notre Dame – Central Bonavista Bay 151 165 120 -8.5 25.8 562 459 22.4
Bankruptcies 113 138 110 -18.1 2.7 459 407 12.8
Proposals 38 27 10 40.7 280.0 103 52 98.1
Prince Edward Island 206 200 195 3.0 5.6 823 753 9.3
Bankruptcies 131 121 124 8.3 5.6 517 479 7.9
Proposals 75 79 71 -5.1 5.6 306 274 11.7
Nova Scotia 1,574 1,646 1,291 -4.4 21.9 5,848 5,169 13.1
Bankruptcies 1,073 1,181 896 -9.1 19.8 4,106 3,653 12.4
Proposals 501 465 395 7.7 26.8 1,742 1,516 14.9
Cape Breton 335 317 206 5.7 62.6 1,115 823 35.5
Bankruptcies 193 216 112 -10.6 72.3 682 461 47.9
Proposals 142 101 94 40.6 51.1 433 362 19.6
North Shore 296 304 248 -2.6 19.4 1,063 933 13.9
Bankruptcies 207 204 171 1.5 21.1 742 665 11.6
Proposals 89 100 77 -11.0 15.6 321 268 19.8
Annapolis Valley 226 253 179 -10.7 26.3 894 746 19.8
Bankruptcies 194 199 137 -2.5 41.6 714 588 21.4
Proposals 32 54 42 -40.7 -23.8 180 158 13.9
Southern 171 174 141 -1.7 21.3 594 608 -2.3
Bankruptcies 110 121 116 -9.1 -5.2 411 454 -9.5
Proposals 61 53 25 15.1 144.0 183 154 18.8
Halifax 547 600 517 -8.8 5.8 2,185 2,058 6.2
Bankruptcies 370 442 361 -16.3 2.5 1,560 1,485 5.1
Proposals 177 158 156 12.0 13.5 625 573 9.1
New Brunswick 1,097 1,237 1,176 -11.3 -6.7 4,303 4,399 -2.2
Bankruptcies 704 837 770 -15.9 -8.6 2,826 2,928 -3.5
Proposals 393 400 406 -1.8 -3.2 1,477 1,471 0.4
Campbellton – Miramichi 204 250 237 -18.4 -13.9 831 878 -5.4
Bankruptcies 129 166 176 -22.3 -26.7 545 637 -14.4
Proposals 75 84 61 -10.7 23.0 286 241 18.7
Moncton – Richibucto 359 396 352 -9.3 2.0 1,368 1,317 3.9
Bankruptcies 233 264 230 -11.7 1.3 881 877 0.5
Proposals 126 132 122 -4.5 3.3 487 440 10.7
Saint John – St. Stephen 255 312 275 -18.3 -7.3 1,036 1,050 -1.3
Bankruptcies 156 202 162 -22.8 -3.7 658 655 0.5
Proposals 99 110 113 -10.0 -12.4 378 395 -4.3
Fredericton – Oromocto 167 179 201 -6.7 -16.9 695 742 -6.3
Bankruptcies 106 135 121 -21.5 -12.4 478 466 2.6
Proposals 61 44 80 38.6 -23.8 217 276 -21.4
Edmundston – Woodstock 112 101 111 10.9 0.9 373 412 -9.5
Bankruptcies 80 71 81 12.7 -1.2 264 293 -9.9
Proposals 32 30 30 6.7 6.7 109 119 -8.4
Quebec 10,249 11,678 10,630 -12.2 -3.6 43,334 43,650 -0.7
Bankruptcies 5,805 6,712 6,078 -13.5 -4.5 24,353 24,663 -1.3
Proposals 4,444 4,966 4,552 -10.5 -2.4 18,981 18,987 0.0
Gaspésie – Îles-de-la-Madeleine 96 134 127 -28.4 -24.4 481 506 -4.9
Bankruptcies 49 78 85 -37.2 -42.4 252 277 -9.0
Proposals 47 56 42 -16.1 11.9 229 229 0.0
Bas-Saint-Laurent 223 248 218 -10.1 2.3 933 900 3.7
Bankruptcies 125 144 151 -13.2 -17.2 531 543 -2.2
Proposals 98 104 67 -5.8 46.3 402 357 12.6
Capitale-Nationale 801 869 786 -7.8 1.9 3,311 3,072 7.8
Bankruptcies 463 541 479 -14.4 -3.3 2,005 1,889 6.1
Proposals 338 328 307 3.0 10.1 1,306 1,183 10.4
Chaudière – Appalaches 377 402 377 -6.2 0.0 1,599 1,560 2.5
Bankruptcies 243 242 234 0.4 3.8 934 934 0.0
Proposals 134 160 143 -16.3 -6.3 665 626 6.2
Estrie 345 430 351 -19.8 -1.7 1,564 1,533 2.0
Bankruptcies 231 309 243 -25.2 -4.9 1,045 982 6.4
Proposals 114 121 108 -5.8 5.6 519 551 -5.8
Centre-du-Québec 265 266 258 -0.4 2.7 1,080 1,172 -7.8
Bankruptcies 159 165 136 -3.6 16.9 642 633 1.4
Proposals 106 101 122 5.0 -13.1 438 539 -18.7
Montérégie 1,944 2,177 2,152 -10.7 -9.7 8,233 8,523 -3.4
Bankruptcies 1,087 1,146 1,129 -5.1 -3.7 4,388 4,525 -3.0
Proposals 857 1,031 1,023 -16.9 -16.2 3,845 3,998 -3.8
Montréal 2,191 2,537 2,164 -13.6 1.2 9,143 9,111 0.4
Bankruptcies 1,237 1,456 1,268 -15.0 -2.4 5,272 5,376 -1.9
Proposals 954 1,081 896 -11.7 6.5 3,871 3,735 3.6
Laval 533 628 514 -15.1 3.7 2,265 2,269 -0.2
Bankruptcies 269 332 262 -19.0 2.7 1,168 1,177 -0.8
Proposals 264 296 252 -10.8 4.8 1,097 1,092 0.5
Lanaudière 833 936 905 -11.0 -8.0 3,479 3,618 -3.8
Bankruptcies 408 501 438 -18.6 -6.8 1,768 1,790 -1.2
Proposals 425 435 467 -2.3 -9.0 1,711 1,828 -6.4
Laurentides 947 1,194 1,112 -20.7 -14.8 4,215 4,566 -7.7
Bankruptcies 539 648 631 -16.8 -14.6 2,200 2,470 -10.9
Proposals 408 546 481 -25.3 -15.2 2,015 2,096 -3.9
Outaouais 665 733 665 -9.3 0.0 2,720 2,787 -2.4
Bankruptcies 366 421 401 -13.1 -8.7 1,482 1,536 -3.5
Proposals 299 312 264 -4.2 13.3 1,238 1,251 -1.0
Abitibi – Témiscamingue 179 210 179 -14.8 0.0 742 790 -6.1
Bankruptcies 100 134 109 -25.4 -8.3 428 463 -7.6
Proposals 79 76 70 3.9 12.9 314 327 -4.0
Mauricie 381 422 375 -9.7 1.6 1,582 1,474 7.3
Bankruptcies 249 286 249 -12.9 0.0 1,048 979 7.0
Proposals 132 136 126 -2.9 4.8 534 495 7.9
Saguenay – Lac-Saint-Jean 346 345 329 0.3 5.2 1,472 1,357 8.5
Bankruptcies 210 215 198 -2.3 6.1 879 833 5.5
Proposals 136 130 131 4.6 3.8 593 524 13.2
Côte-Nord 110 130 103 -15.4 6.8 457 351 30.2
Bankruptcies 64 85 55 -24.7 16.4 276 221 24.9
Proposals 46 45 48 2.2 -4.2 181 130 39.2
Nord-du-Québec 13 18 13 -27.8 0.0 60 62 -3.2
Bankruptcies 8 10 9 -20.0 -11.1 37 36 2.8
Proposals 5 8 4 -37.5 25.0 23 26 -11.5
Ontario 9,477 10,779 9,577 -12.1 -1.0 40,101 39,991 0.3
Bankruptcies 4,011 4,762 4,283 -15.8 -6.4 17,352 18,261 -5.0
Proposals 5,466 6,017 5,294 -9.2 3.2 22,749 21,730 4.7
Ottawa 1,001 1,108 947 -9.7 5.7 3,938 3,814 3.3
Bankruptcies 521 603 528 -13.6 -1.3 2,106 2,191 -3.9
Proposals 480 505 419 -5.0 14.6 1,832 1,623 12.9
Kingston – Pembroke 400 435 375 -8.0 6.7 1,672 1,667 0.3
Bankruptcies 196 218 195 -10.1 0.5 836 859 -2.7
Proposals 204 217 180 -6.0 13.3 836 808 3.5
Muskoka – Kawarthas 266 334 287 -20.4 -7.3 1,234 1,235 -0.1
Bankruptcies 118 145 144 -18.6 -18.1 548 578 -5.2
Proposals 148 189 143 -21.7 3.5 686 657 4.4
Toronto 3,795 4,247 3,891 -10.6 -2.5 15,962 16,109 -0.9
Bankruptcies 1,344 1,636 1,523 -17.8 -11.8 5,836 6,328 -7.8
Proposals 2,451 2,611 2,368 -6.1 3.5 10,126 9,781 3.5
Kitchener – Waterloo – Barrie 871 1,068 937 -18.4 -7.0 3,893 4,037 -3.6
Bankruptcies 392 485 414 -19.2 -5.3 1,755 1,868 -6.0
Proposals 479 583 523 -17.8 -8.4 2,138 2,169 -1.4
Hamilton – Niagara Peninsula 1,057 1,249 988 -15.4 7.0 4,611 4,439 3.9
Bankruptcies 451 547 421 -17.6 7.1 1,945 1,974 -1.5
Proposals 606 702 567 -13.7 6.9 2,666 2,465 8.2
London 627 702 654 -10.7 -4.1 2,659 2,668 -0.3
Bankruptcies 271 286 298 -5.2 -9.1 1,162 1,248 -6.9
Proposals 356 416 356 -14.4 0.0 1,497 1,420 5.4
Windsor – Sarnia 478 573 569 -16.6 -16.0 2,139 2,227 -4.0
Bankruptcies 227 277 271 -18.1 -16.2 1,030 1,104 -6.7
Proposals 251 296 298 -15.2 -15.8 1,109 1,123 -1.2
Stratford – Bruce Peninsula 166 180 175 -7.8 -5.1 694 715 -2.9
Bankruptcies 87 99 94 -12.1 -7.4 378 396 -4.5
Proposals 79 81 81 -2.5 -2.5 316 319 -0.9
Northeast 683 735 618 -7.1 10.5 2,751 2,524 9.0
Bankruptcies 332 380 314 -12.6 5.7 1,421 1,356 4.8
Proposals 351 355 304 -1.1 15.5 1,330 1,168 13.9
Northwest 133 149 135 -10.7 -1.5 550 556 -1.1
Bankruptcies 72 87 81 -17.2 -11.1 336 359 -6.4
Proposals 61 62 54 -1.6 13.0 214 197 8.6
Manitoba 625 714 526 -12.5 18.8 2,497 2,045 22.1
Bankruptcies 352 411 310 -14.4 13.5 1,387 1,286 7.9
Proposals 273 303 216 -9.9 26.4 1,110 759 46.2
Southeast 36 58 33 -37.9 9.1 164 167 -1.8
Bankruptcies 19 30 22 -36.7 -13.6 94 123 -23.6
Proposals 17 28 11 -39.3 54.5 70 44 59.1
South Central 29 20 14 45.0 107.1 80 59 35.6
Bankruptcies 19 17 8 11.8 137.5 56 45 24.4
Proposals 10 3 6 233.3 66.7 24 14 71.4
Southwest 72 80 78 -10.0 -7.7 297 282 5.3
Bankruptcies 27 37 34 -27.0 -20.6 129 142 -9.2
Proposals 45 43 44 4.7 2.3 168 140 20.0
North Central 26 33 12 -21.2 116.7 95 68 39.7
Bankruptcies 16 16 10 0.0 60.0 50 45 11.1
Proposals 10 17 2 -41.2 400.0 45 23 95.7
Winnipeg 392 442 327 -11.3 19.9 1,563 1,231 27.0
Bankruptcies 232 266 202 -12.8 14.9 895 785 14.0
Proposals 160 176 125 -9.1 28.0 668 446 49.8
Interlake 35 35 21 0.0 66.7 131 88 48.9
Bankruptcies 20 17 17 17.6 17.6 72 61 18.0
Proposals 15 18 4 -16.7 275.0 59 27 118.5
Parklands 11 19 25 -42.1 -56.0 87 87 0.0
Bankruptcies 5 15 9 -66.7 -44.4 49 43 14.0
Proposals 6 4 16 50.0 -62.5 38 44 -13.6
North 24 25 16 -4.0 50.0 78 62 25.8
Bankruptcies 14 12 9 16.7 55.6 41 41 0.0
Proposals 10 13 7 -23.1 42.9 37 21 76.2
Saskatchewan 764 795 557 -3.9 37.2 2,792 2,076 34.5
Bankruptcies 350 399 276 -12.3 26.8 1,397 1,079 29.5
Proposals 414 396 281 4.5 47.3 1,395 997 39.9
Regina – Moose Mountain 245 279 179 -12.2 36.9 911 650 40.2
Bankruptcies 82 127 67 -35.4 22.4 365 300 21.7
Proposals 163 152 112 7.2 45.5 546 350 56.0
Swift Current – Moose Jaw 62 45 51 37.8 21.6 232 176 31.8
Bankruptcies 38 25 36 52.0 5.6 138 109 26.6
Proposals 24 20 15 20.0 60.0 94 67 40.3
Saskatoon – Biggar 236 273 176 -13.6 34.1 889 642 38.5
Bankruptcies 107 139 86 -23.0 24.4 437 319 37.0
Proposals 129 134 90 -3.7 43.3 452 323 39.9
Yorkton – Melville 52 46 34 13.0 52.9 169 145 16.6
Bankruptcies 27 21 18 28.6 50.0 100 82 22.0
Proposals 25 25 16 0.0 56.3 69 63 9.5
Prince Albert 156 142 114 9.9 36.8 550 432 27.3
Bankruptcies 89 83 68 7.2 30.9 330 256 28.9
Proposals 67 59 46 13.6 45.7 220 176 25.0
Northern 12 11 3 9.1 300.0 41 30 36.7
Bankruptcies 6 4 1 50.0 500.0 26 13 100.0
Proposals 6 7 2 -14.3 200.0 15 17 -11.8
Alberta 3,243 3,526 2,477 -8.0 30.9 12,609 9,175 37.4
Bankruptcies 1,278 1,455 1,067 -12.2 19.8 5,238 4,056 29.1
Proposals 1,965 2,071 1,410 -5.1 39.4 7,371 5,119 44.0
Lethbridge – Medicine Hat 293 295 252 -0.7 16.3 1,134 915 23.9
Bankruptcies 112 129 117 -13.2 -4.3 469 375 25.1
Proposals 181 166 135 9.0 34.1 665 540 23.1
Camrose – Drumheller 133 162 121 -17.9 9.9 587 386 52.1
Bankruptcies 63 79 64 -20.3 -1.6 283 210 34.8
Proposals 70 83 57 -15.7 22.8 304 176 72.7
Calgary 1,237 1,336 881 -7.4 40.4 4,621 3,456 33.7
Bankruptcies 419 466 346 -10.1 21.1 1,689 1,406 20.1
Proposals 818 870 535 -6.0 52.9 2,932 2,050 43.0
Banff – Jasper – Rocky Mountain House 75 58 47 29.3 59.6 266 187 42.2
Bankruptcies 29 29 19 0.0 52.6 116 80 45.0
Proposals 46 29 28 58.6 64.3 150 107 40.2
Red Deer 227 287 174 -20.9 30.5 966 684 41.2
Bankruptcies 102 92 68 10.9 50.0 378 256 47.7
Proposals 125 195 106 -35.9 17.9 588 428 37.4
Edmonton 996 1,067 776 -6.7 28.4 3,849 2,794 37.8
Bankruptcies 420 490 341 -14.3 23.2 1,699 1,307 30.0
Proposals 576 577 435 -0.2 32.4 2,150 1,487 44.6
Athabasca – Grande Prairie – Peace River 208 241 154 -13.7 35.1 843 516 63.4
Bankruptcies 98 132 86 -25.8 14.0 425 311 36.7
Proposals 110 109 68 0.9 61.8 418 205 103.9
Wood Buffalo – Cold Lake 72 81 73 -11.1 -1.4 340 238 42.9
Bankruptcies 34 39 26 -12.8 30.8 177 110 60.9
Proposals 38 42 47 -9.5 -19.1 163 128 27.3
British Columbia 2,553 2,961 2,909 -13.8 -12.2 11,176 11,567 -3.4
Bankruptcies 1,095 1,284 1,375 -14.7 -20.4 4,990 5,824 -14.3
Proposals 1,458 1,677 1,534 -13.1 -5.0 6,186 5,743 7.7
Vancouver Island and Coast 545 675 583 -19.3 -6.5 2,488 2,494 -0.2
Bankruptcies 248 316 336 -21.5 -26.2 1,251 1,431 -12.6
Proposals 297 359 247 -17.3 20.2 1,237 1,063 16.4
Lower Mainland – Southwest 1,388 1,569 1,648 -11.5 -15.8 6,023 6,459 -6.8
Bankruptcies 537 612 699 -12.3 -23.2 2,388 3,022 -21.0
Proposals 851 957 949 -11.1 -10.3 3,635 3,437 5.8
Thompson – Okanagan 326 397 396 -17.9 -17.7 1,442 1,528 -5.6
Bankruptcies 159 177 203 -10.2 -21.7 689 793 -13.1
Proposals 167 220 193 -24.1 -13.5 753 735 2.4
Kootenay 68 108 91 -37.0 -25.3 360 361 -0.3
Bankruptcies 36 62 48 -41.9 -25.0 213 214 -0.5
Proposals 32 46 43 -30.4 -25.6 147 147 0.0
Cariboo 140 117 133 19.7 5.3 550 509 8.1
Bankruptcies 73 69 62 5.8 17.7 296 268 10.4
Proposals 67 48 71 39.6 -5.6 254 241 5.4
North Coast 20 21 16 -4.8 25.0 66 57 15.8
Bankruptcies 10 13 11 -23.1 -9.1 41 31 32.3
Proposals 10 8 5 25.0 100.0 25 26 -3.8
Nechako 19 22 10 -13.6 90.0 66 53 24.5
Bankruptcies 5 13 6 -61.5 -16.7 34 34 0.0
Proposals 14 9 4 55.6 250.0 32 19 68.4
Northeast 47 52 30 -9.6 56.7 180 107 68.2
Bankruptcies 27 22 10 22.7 170.0 78 32 143.8
Proposals 20 30 20 -33.3 0.0 102 75 36.0
Northwest Territories 19 14 11 35.7 72.7 66 45 46.7
Bankruptcies 9 9 5 0.0 80.0 36 25 44.0
Proposals 10 5 6 100.0 66.7 30 20 50.0
Yukon 13 18 13 -27.8 0.0 51 38 34.2
Bankruptcies 7 10 8 -30.0 -12.5 26 18 44.4
Proposals 6 8 5 -25.0 20.0 25 20 25.0
Nunavut 1 1 0 0.0 -- 10 4 150.0
Bankruptcies 1 0 0 -- -- 4 3 33.3
Proposals 0 1 0 -100.0 -- 6 1 500.0
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