Insolvency Statistics in Canada—Fourth Quarter of 2016

Table 5: Insolvencies Filed by Consumers by Economic Region (ER)
Province or Region Volume % Change 12-Month Period Ending
Q4 2016 Q3 2016 Q4 2015 Q3 2016 to Q4 2016 Q4 2015 to Q4 2016 12-31-2016 12-31-2015 % Change
Newfoundland and Labrador 567 595 465 -4.7 21.9 2,399 1,822 31.7
Bankruptcies 353 381 351 -7.3 0.6 1,552 1,498 3.6
Proposals 214 214 114 0.0 87.7 847 324 161.4
Avalon Peninsula 319 296 228 7.8 39.9 1,270 887 43.2
Bankruptcies 198 167 150 18.6 32.0 729 697 4.6
Proposals 121 129 78 -6.2 55.1 541 190 184.7
South Coast – Burin Peninsula 37 50 33 -26.0 12.1 168 114 47.4
Bankruptcies 25 37 27 -32.4 -7.4 126 102 23.5
Proposals 12 13 6 -7.7 100.0 42 12 250.0
West Coast – Northern Peninsula – Labrador 77 97 87 -20.6 -11.5 383 346 10.7
Bankruptcies 42 63 69 -33.3 -39.1 255 275 -7.3
Proposals 35 34 18 2.9 94.4 128 71 80.3
Notre Dame – Central Bonavista Bay 134 151 117 -11.3 14.5 579 475 21.9
Bankruptcies 88 113 105 -22.1 -16.2 442 424 4.2
Proposals 46 38 12 21.1 283.3 137 51 168.6
Prince Edward Island 195 206 216 -5.3 -9.7 802 806 -0.5
Bankruptcies 125 131 142 -4.6 -12.0 500 519 -3.7
Proposals 70 75 74 -6.7 -5.4 302 287 5.2
Nova Scotia 1,447 1,574 1,347 -8.1 7.4 5,948 5,232 13.7
Bankruptcies 1,022 1,073 937 -4.8 9.1 4,191 3,648 14.9
Proposals 425 501 410 -15.2 3.7 1,757 1,584 10.9
Cape Breton 250 335 227 -25.4 10.1 1,138 837 36.0
Bankruptcies 151 193 129 -21.8 17.1 704 451 56.1
Proposals 99 142 98 -30.3 1.0 434 386 12.4
North Shore 281 296 258 -5.1 8.9 1,086 956 13.6
Bankruptcies 193 207 178 -6.8 8.4 757 669 13.2
Proposals 88 89 80 -1.1 10.0 329 287 14.6
Annapolis Valley 193 226 217 -14.6 -11.1 870 766 13.6
Bankruptcies 156 194 169 -19.6 -7.7 701 598 17.2
Proposals 37 32 48 15.6 -22.9 169 168 0.6
Southern 167 171 122 -2.3 36.9 639 579 10.4
Bankruptcies 119 110 89 8.2 33.7 441 434 1.6
Proposals 48 61 33 -21.3 45.5 198 145 36.6
Halifax 555 547 524 1.5 5.9 2,216 2,097 5.7
Bankruptcies 403 370 373 8.9 8.0 1,590 1,499 6.1
Proposals 152 177 151 -14.1 0.7 626 598 4.7
New Brunswick 1,152 1,097 1,013 5.0 13.7 4,442 4,331 2.6
Bankruptcies 730 704 652 3.7 12.0 2,904 2,814 3.2
Proposals 422 393 361 7.4 16.9 1,538 1,517 1.4
Campbellton – Miramichi 278 204 210 36.3 32.4 899 870 3.3
Bankruptcies 198 129 132 53.5 50.0 611 600 1.8
Proposals 80 75 78 6.7 2.6 288 270 6.7
Moncton – Richibucto 357 359 310 -0.6 15.2 1,415 1,290 9.7
Bankruptcies 214 233 194 -8.2 10.3 901 840 7.3
Proposals 143 126 116 13.5 23.3 514 450 14.2
Saint John – St. Stephen 255 255 236 0.0 8.1 1,055 1,040 1.4
Bankruptcies 149 156 154 -4.5 -3.2 653 638 2.4
Proposals 106 99 82 7.1 29.3 402 402 0.0
Fredericton – Oromocto 169 167 167 1.2 1.2 697 734 -5.0
Bankruptcies 114 106 109 7.5 4.6 483 463 4.3
Proposals 55 61 58 -9.8 -5.2 214 271 -21.0
Edmundston – Woodstock 93 112 90 -17.0 3.3 376 394 -4.6
Bankruptcies 55 80 63 -31.3 -12.7 256 272 -5.9
Proposals 38 32 27 18.8 40.7 120 122 -1.6
Quebec 10,285 10,249 10,610 0.4 -3.1 43,009 43,705 -1.6
Bankruptcies 5,871 5,805 5,983 1.1 -1.9 24,241 24,539 -1.2
Proposals 4,414 4,444 4,627 -0.7 -4.6 18,768 19,166 -2.1
Gaspésie – Îles-de-la-Madeleine 147 96 107 53.1 37.4 521 506 3.0
Bankruptcies 80 49 59 63.3 35.6 273 285 -4.2
Proposals 67 47 48 42.6 39.6 248 221 12.2
Bas-Saint-Laurent 215 223 236 -3.6 -8.9 912 901 1.2
Bankruptcies 137 125 122 9.6 12.3 546 523 4.4
Proposals 78 98 114 -20.4 -31.6 366 378 -3.2
Capitale-Nationale 763 801 831 -4.7 -8.2 3,243 3,208 1.1
Bankruptcies 471 463 526 1.7 -10.5 1,950 1,959 -0.5
Proposals 292 338 305 -13.6 -4.3 1,293 1,249 3.5
Chaudière – Appalaches 455 377 433 20.7 5.1 1,621 1,633 -0.7
Bankruptcies 289 243 226 18.9 27.9 997 933 6.9
Proposals 166 134 207 23.9 -19.8 624 700 -10.9
Estrie 382 345 404 10.7 -5.4 1,542 1,543 -0.1
Bankruptcies 228 231 259 -1.3 -12.0 1,014 997 1.7
Proposals 154 114 145 35.1 6.2 528 546 -3.3
Centre-du-Québec 311 265 278 17.4 11.9 1,113 1,166 -4.5
Bankruptcies 187 159 155 17.6 20.6 674 640 5.3
Proposals 124 106 123 17.0 0.8 439 526 -16.5
Montérégie 1,921 1,944 1,956 -1.2 -1.8 8,198 8,402 -2.4
Bankruptcies 1,060 1,087 1,083 -2.5 -2.1 4,365 4,487 -2.7
Proposals 861 857 873 0.5 -1.4 3,833 3,915 -2.1
Montréal 2,119 2,191 2,270 -3.3 -6.7 8,992 9,196 -2.2
Bankruptcies 1,234 1,237 1,330 -0.2 -7.2 5,176 5,387 -3.9
Proposals 885 954 940 -7.2 -5.9 3,816 3,809 0.2
Laval 536 533 586 0.6 -8.5 2,215 2,289 -3.2
Bankruptcies 257 269 296 -4.5 -13.2 1,129 1,187 -4.9
Proposals 279 264 290 5.7 -3.8 1,086 1,102 -1.5
Lanaudière 770 833 849 -7.6 -9.3 3,400 3,595 -5.4
Bankruptcies 425 408 442 4.2 -3.8 1,751 1,755 -0.2
Proposals 345 425 407 -18.8 -15.2 1,649 1,840 -10.4
Laurentides 979 947 1,004 3.4 -2.5 4,190 4,490 -6.7
Bankruptcies 502 539 487 -6.9 3.1 2,215 2,370 -6.5
Proposals 477 408 517 16.9 -7.7 1,975 2,120 -6.8
Outaouais 610 665 594 -8.3 2.7 2,736 2,677 2.2
Bankruptcies 333 366 330 -9.0 0.9 1,485 1,486 -0.1
Proposals 277 299 264 -7.4 4.9 1,251 1,191 5.0
Abitibi – Témiscamingue 191 179 183 6.7 4.4 750 791 -5.2
Bankruptcies 108 100 100 8.0 8.0 436 448 -2.7
Proposals 83 79 83 5.1 0.0 314 343 -8.5
Mauricie 373 381 410 -2.1 -9.0 1,545 1,528 1.1
Bankruptcies 255 249 279 2.4 -8.6 1,024 1,012 1.2
Proposals 118 132 131 -10.6 -9.9 521 516 1.0
Saguenay – Lac-Saint-Jean 388 346 361 12.1 7.5 1,499 1,373 9.2
Bankruptcies 234 210 215 11.4 8.8 898 816 10.0
Proposals 154 136 146 13.2 5.5 601 557 7.9
Côte-Nord 115 110 91 4.5 26.4 481 348 38.2
Bankruptcies 66 64 63 3.1 4.8 279 221 26.2
Proposals 49 46 28 6.5 75.0 202 127 59.1
Nord-du-Québec 10 13 17 -23.1 -41.2 53 59 -10.2
Bankruptcies 6 8 11 -25.0 -45.5 32 34 -5.9
Proposals 4 5 6 -20.0 -33.3 21 25 -16.0
Ontario 9,435 9,477 9,925 -0.4 -4.9 39,611 39,935 -0.8
Bankruptcies 4,023 4,011 4,471 0.3 -10.0 16,904 17,958 -5.9
Proposals 5,412 5,466 5,454 -1.0 -0.8 22,707 21,977 3.3
Ottawa 939 1,001 969 -6.2 -3.1 3,908 3,768 3.7
Bankruptcies 470 521 523 -9.8 -10.1 2,053 2,097 -2.1
Proposals 469 480 446 -2.3 5.2 1,855 1,671 11.0
Kingston – Pembroke 447 400 440 11.8 1.6 1,679 1,683 -0.2
Bankruptcies 209 196 232 6.6 -9.9 813 875 -7.1
Proposals 238 204 208 16.7 14.4 866 808 7.2
Muskoka – Kawarthas 265 266 297 -0.4 -10.8 1,202 1,203 -0.1
Bankruptcies 117 118 150 -0.8 -22.0 515 569 -9.5
Proposals 148 148 147 0.0 0.7 687 634 8.4
Toronto 3,670 3,795 3,941 -3.3 -6.9 15,691 16,015 -2.0
Bankruptcies 1,328 1,344 1,470 -1.2 -9.7 5,694 6,176 -7.8
Proposals 2,342 2,451 2,471 -4.4 -5.2 9,997 9,839 1.6
Kitchener – Waterloo – Barrie 939 871 996 7.8 -5.7 3,836 4,039 -5.0
Bankruptcies 385 392 450 -1.8 -14.4 1,690 1,825 -7.4
Proposals 554 479 546 15.7 1.5 2,146 2,214 -3.1
Hamilton – Niagara Peninsula 962 1,057 1,091 -9.0 -11.8 4,482 4,409 1.7
Bankruptcies 410 451 483 -9.1 -15.1 1,872 1,921 -2.6
Proposals 552 606 608 -8.9 -9.2 2,610 2,488 4.9
London 647 627 659 3.2 -1.8 2,647 2,660 -0.5
Bankruptcies 307 271 306 13.3 0.3 1,163 1,210 -3.9
Proposals 340 356 353 -4.5 -3.7 1,484 1,450 2.3
Windsor – Sarnia 520 478 578 8.8 -10.0 2,081 2,290 -9.1
Bankruptcies 269 227 290 18.5 -7.2 1,009 1,121 -10.0
Proposals 251 251 288 0.0 -12.8 1,072 1,169 -8.3
Stratford – Bruce Peninsula 172 166 177 3.6 -2.8 689 711 -3.1
Bankruptcies 97 87 95 11.5 2.1 380 381 -0.3
Proposals 75 79 82 -5.1 -8.5 309 330 -6.4
Northeast 738 683 649 8.1 13.7 2,840 2,598 9.3
Bankruptcies 347 332 383 4.5 -9.4 1,385 1,425 -2.8
Proposals 391 351 266 11.4 47.0 1,455 1,173 24.0
Northwest 135 133 128 1.5 5.5 557 559 -0.4
Bankruptcies 83 72 88 15.3 -5.7 331 358 -7.5
Proposals 52 61 40 -14.8 30.0 226 201 12.4
Manitoba 660 625 550 5.6 20.0 2,607 2,098 24.3
Bankruptcies 364 352 303 3.4 20.1 1,448 1,264 14.6
Proposals 296 273 247 8.4 19.8 1,159 834 39.0
Southeast 41 36 29 13.9 41.4 176 162 8.6
Bankruptcies 23 19 21 21.1 9.5 96 121 -20.7
Proposals 18 17 8 5.9 125.0 80 41 95.1
South Central 32 29 18 10.3 77.8 94 59 59.3
Bankruptcies 23 19 11 21.1 109.1 68 43 58.1
Proposals 9 10 7 -10.0 28.6 26 16 62.5
Southwest 79 72 67 9.7 17.9 309 282 9.6
Bankruptcies 40 27 29 48.1 37.9 140 131 6.9
Proposals 39 45 38 -13.3 2.6 169 151 11.9
North Central 12 26 17 -53.8 -29.4 90 61 47.5
Bankruptcies 9 16 11 -43.8 -18.2 48 42 14.3
Proposals 3 10 6 -70.0 -50.0 42 19 121.1
Winnipeg 421 392 342 7.4 23.1 1,642 1,278 28.5
Bankruptcies 219 232 190 -5.6 15.3 924 778 18.8
Proposals 202 160 152 26.3 32.9 718 500 43.6
Interlake 40 35 31 14.3 29.0 140 101 38.6
Bankruptcies 27 20 18 35.0 50.0 81 67 20.9
Proposals 13 15 13 -13.3 0.0 59 34 73.5
Parklands 17 11 26 54.5 -34.6 78 91 -14.3
Bankruptcies 8 5 14 60.0 -42.9 43 47 -8.5
Proposals 9 6 12 50.0 -25.0 35 44 -20.5
North 18 24 19 -25.0 -5.3 77 60 28.3
Bankruptcies 15 14 8 7.1 87.5 48 33 45.5
Proposals 3 10 11 -70.0 -72.7 29 27 7.4
Saskatchewan 752 764 584 -1.6 28.8 2,960 2,198 34.7
Bankruptcies 354 350 330 1.1 7.3 1,421 1,155 23.0
Proposals 398 414 254 -3.9 56.7 1,539 1,043 47.6
Regina – Moose Mountain 258 245 178 5.3 44.9 991 676 46.6
Bankruptcies 81 82 80 -1.2 1.3 366 297 23.2
Proposals 177 163 98 8.6 80.6 625 379 64.9
Swift Current – Moose Jaw 62 62 59 0.0 5.1 235 194 21.1
Bankruptcies 34 38 42 -10.5 -19.0 130 120 8.3
Proposals 28 24 17 16.7 64.7 105 74 41.9
Saskatoon – Biggar 224 236 190 -5.1 17.9 923 694 33.0
Bankruptcies 123 107 89 15.0 38.2 471 335 40.6
Proposals 101 129 101 -21.7 0.0 452 359 25.9
Yorkton – Melville 53 52 36 1.9 47.2 186 142 31.0
Bankruptcies 26 27 31 -3.7 -16.1 95 93 2.2
Proposals 27 25 5 8.0 440.0 91 49 85.7
Prince Albert 153 156 110 -1.9 39.1 593 459 29.2
Bankruptcies 91 89 78 2.2 16.7 343 292 17.5
Proposals 62 67 32 -7.5 93.8 250 167 49.7
Northern 3 12 12 -75.0 -75.0 32 33 -3.0
Bankruptcies 0 6 11 -100.0 -100.0 15 18 -16.7
Proposals 3 6 1 -50.0 200.0 17 15 13.3
Alberta 3,204 3,243 2,643 -1.2 21.2 13,170 9,810 34.3
Bankruptcies 1,306 1,278 1,117 2.2 16.9 5,427 4,280 26.8
Proposals 1,898 1,965 1,526 -3.4 24.4 7,743 5,530 40.0
Lethbridge – Medicine Hat 276 293 246 -5.8 12.2 1,164 961 21.1
Bankruptcies 116 112 110 3.6 5.5 475 410 15.9
Proposals 160 181 136 -11.6 17.6 689 551 25.0
Camrose – Drumheller 148 133 128 11.3 15.6 607 450 34.9
Bankruptcies 77 63 49 22.2 57.1 311 229 35.8
Proposals 71 70 79 1.4 -10.1 296 221 33.9
Calgary 1,129 1,237 1,004 -8.7 12.5 4,746 3,695 28.4
Bankruptcies 401 419 403 -4.3 -0.5 1,687 1,481 13.9
Proposals 728 818 601 -11.0 21.1 3,059 2,214 38.2
Banff – Jasper – Rocky Mountain House 74 75 57 -1.3 29.8 283 213 32.9
Bankruptcies 30 29 26 3.4 15.4 120 87 37.9
Proposals 44 46 31 -4.3 41.9 163 126 29.4
Red Deer 308 227 216 35.7 42.6 1,058 758 39.6
Bankruptcies 121 102 85 18.6 42.4 414 287 44.3
Proposals 187 125 131 49.6 42.7 644 471 36.7
Edmonton 992 996 748 -0.4 32.6 4,093 2,913 40.5
Bankruptcies 429 420 314 2.1 36.6 1,814 1,323 37.1
Proposals 563 576 434 -2.3 29.7 2,279 1,590 43.3
Athabasca – Grande Prairie – Peace River 198 208 159 -4.8 24.5 882 553 59.5
Bankruptcies 89 98 78 -9.2 14.1 436 322 35.4
Proposals 109 110 81 -0.9 34.6 446 231 93.1
Wood Buffalo – Cold Lake 79 72 84 9.7 -6.0 335 269 24.5
Bankruptcies 43 34 51 26.5 -15.7 169 140 20.7
Proposals 36 38 33 -5.3 9.1 166 129 28.7
British Columbia 2,398 2,553 2,768 -6.1 -13.4 10,806 11,580 -6.7
Bankruptcies 1,022 1,095 1,293 -6.7 -21.0 4,719 5,683 -17.0
Proposals 1,376 1,458 1,475 -5.6 -6.7 6,087 5,897 3.2
Vancouver Island and Coast 547 545 630 0.4 -13.2 2,405 2,554 -5.8
Bankruptcies 242 248 348 -2.4 -30.5 1,145 1,442 -20.6
Proposals 305 297 282 2.7 8.2 1,260 1,112 13.3
Lower Mainland – Southwest 1,221 1,388 1,507 -12.0 -19.0 5,737 6,409 -10.5
Bankruptcies 482 537 626 -10.2 -23.0 2,244 2,877 -22.0
Proposals 739 851 881 -13.2 -16.1 3,493 3,532 -1.1
Thompson – Okanagan 349 326 339 7.1 2.9 1,452 1,506 -3.6
Bankruptcies 167 159 161 5.0 3.7 695 768 -9.5
Proposals 182 167 178 9.0 2.2 757 738 2.6
Kootenay 69 68 98 1.5 -29.6 331 374 -11.5
Bankruptcies 32 36 57 -11.1 -43.9 188 222 -15.3
Proposals 37 32 41 15.6 -9.8 143 152 -5.9
Cariboo 124 140 135 -11.4 -8.1 539 512 5.3
Bankruptcies 55 73 68 -24.7 -19.1 283 265 6.8
Proposals 69 67 67 3.0 3.0 256 247 3.6
North Coast 16 20 15 -20.0 6.7 67 58 15.5
Bankruptcies 8 10 11 -20.0 -27.3 38 35 8.6
Proposals 8 10 4 -20.0 100.0 29 23 26.1
Nechako 16 19 14 -15.8 14.3 68 51 33.3
Bankruptcies 11 5 11 120.0 0.0 34 34 0.0
Proposals 5 14 3 -64.3 66.7 34 17 100.0
Northeast 56 47 31 19.1 80.6 205 112 83.0
Bankruptcies 25 27 12 -7.4 108.3 91 40 127.5
Proposals 31 20 19 55.0 63.2 114 72 58.3
Northwest Territories 17 19 23 -10.5 -26.1 60 52 15.4
Bankruptcies 12 9 13 33.3 -7.7 35 28 25.0
Proposals 5 10 10 -50.0 -50.0 25 24 4.2
Yukon 9 13 5 -30.8 80.0 55 35 57.1
Bankruptcies 3 7 2 -57.1 50.0 27 18 50.0
Proposals 6 6 3 0.0 100.0 28 17 64.7
Nunavut 2 1 3 100.0 -33.3 9 5 80.0
Bankruptcies 0 1 1 -100.0 -100.0 3 2 50.0
Proposals 2 0 2 -- 0.0 6 3 100.0
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