Archived — Insolvency Statistics in Canada—Third Quarter of 2012

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Definitions

Consumer:
An individual with more than 50 percent of total liabilities related to consumer goods and services.
Business:
Any commercial entity or organization other than an individual, or an individual who has incurred 50 percent or more of total liabilities as a result of operating a business.
Bankruptcy:
The state of a consumer or business that has made an assignment in bankruptcy or against whom a bankruptcy order has been made.
Proposal:
An offer to creditors to settle debts under conditions other than the existing terms. A proposal is a formal agreement under the Bankruptcy and Insolvency Act.
NAICS:
North American Industry Classification System.
Economic Region (ER):
Standard geographic units created for analysis of regional economic activity (Statistics Canada's geographical definitions of ERs).
Census Metropolitan Area (CMA):
Each census metropolitan area consists of one or more adjacent municipalities situated around a major urban core. To form a census metropolitan area, the urban core must have a population of at least 100,000 (Statistics Canada's geographical definitions of CMAs).
Table 1: Total Insolvencies
Province Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Newfoundland and Labrador 428 503 523 -14.9 -18.2 1,827 2,265 -19.3
Bankruptcies 394 451 492 -12.6 -19.9 1,681 2,137 -21.3
Proposals 34 52 31 -34.6 9.7 146 128 14.1
Prince Edward Island 151 166 154 -9.0 -1.9 603 655 -7.9
Bankruptcies 114 116 121 -1.7 -5.8 457 569 -19.7
Proposals 37 50 33 -26.0 12.1 146 86 69.8
Nova Scotia 1,032 1,203 1,127 -14.2 -8.4 4,421 4,899 -9.8
Bankruptcies 763 940 871 -18.8 -12.4 3,379 3,903 -13.4
Proposals 269 263 256 2.3 5.1 1,042 996 4.6
New Brunswick 981 1,033 899 -5.0 9.1 3,928 3,535 11.1
Bankruptcies 718 813 708 -11.7 1.4 3,008 2,912 3.3
Proposals 263 220 191 19.5 37.7 920 623 47.7
Quebec 8,836 9,692 8,839 -8.8 0.0 37,725 38,412 -1.8
Bankruptcies 6,087 6,721 6,397 -9.4 -4.8 26,140 27,980 -6.6
Proposals 2,749 2,971 2,442 -7.5 12.6 11,585 10,432 11.1
Ontario 11,561 13,070 12,246 -11.5 -5.6 49,918 53,671 -7.0
Bankruptcies 5,846 6,522 6,347 -10.4 -7.9 25,038 28,260 -11.4
Proposals 5,715 6,548 5,899 -12.7 -3.1 24,880 25,411 -2.1
Manitoba 464 514 528 -9.7 -12.1 1,994 2,370 -15.9
Bankruptcies 330 342 368 -3.5 -10.3 1,365 1,709 -20.1
Proposals 134 172 160 -22.1 -16.3 629 661 -4.8
Saskatchewan 465 488 549 -4.7 -15.3 1,949 2,299 -15.2
Bankruptcies 278 288 353 -3.5 -21.2 1,146 1,444 -20.6
Proposals 187 200 196 -6.5 -4.6 803 855 -6.1
Alberta 2,243 2,485 2,490 -9.7 -9.9 9,741 10,623 -8.3
Bankruptcies 1,411 1,592 1,718 -11.4 -17.9 6,327 7,624 -17.0
Proposals 832 893 772 -6.8 7.8 3,414 2,999 13.8
British Columbia 2,875 3,214 2,983 -10.5 -3.6 12,054 12,345 -2.4
Bankruptcies 1,860 2,115 2,032 -12.1 -8.5 7,810 8,879 -12.0
Proposals 1,015 1,099 951 -7.6 6.7 4,244 3,466 22.4
Northwest Territories 9 9 12 0.0 -25.0 44 47 -6.4
Bankruptcies 3 5 9 -40.0 -66.7 26 32 -18.8
Proposals 6 4 3 50.0 100.0 18 15 20.0
Yukon 12 6 12 100.0 0.0 30 46 -34.8
Bankruptcies 5 5 10 0.0 -50.0 20 40 -50.0
Proposals 7 1 2 600.0 250.0 10 6 66.7
Nunavut 2 0 2 -- 0.0 3 10 -70.0
Bankruptcies 1 0 1 -- 0.0 1 9 -88.9
Proposals 1 0 1 -- 0.0 2 1 100.0
Canada 29,059 32,383 30,364 -10.3 -4.3 124,237 131,177 -5.3
Bankruptcies 17,810 19,910 19,427 -10.5 -8.3 76,398 85,498 -10.6
Proposals 11,249 12,473 10,937 -9.8 2.9 47,839 45,679 4.7

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Table 2: Insolvencies Filed by Consumers
Province Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Newfoundland and Labrador 420 502 518 -16.3 -18.9 1,807 2,235 -19.1
Bankruptcies 390 450 487 -13.3 -19.9 1,667 2,109 -21.0
Proposals 30 52 31 -42.3 -3.2 140 126 11.1
Prince Edward Island 148 163 150 -9.2 -1.3 581 635 -8.5
Bankruptcies 111 114 117 -2.6 -5.1 439 555 -20.9
Proposals 37 49 33 -24.5 12.1 142 80 77.5
Nova Scotia 1,010 1,179 1,109 -14.3 -8.9 4,328 4,763 -9.1
Bankruptcies 747 918 857 -18.6 -12.8 3,302 3,786 -12.8
Proposals 263 261 252 0.8 4.4 1,026 977 5.0
New Brunswick 964 1,015 878 -5.0 9.8 3,869 3,463 11.7
Bankruptcies 709 800 693 -11.4 2.3 2,965 2,858 3.7
Proposals 255 215 185 18.6 37.8 904 605 49.4
Quebec 8,357 9,161 8,382 -8.8 -0.3 35,646 36,317 -1.8
Bankruptcies 5,726 6,328 6,067 -9.5 -5.6 24,607 26,411 -6.8
Proposals 2,631 2,833 2,315 -7.1 13.7 11,039 9,906 11.4
Ontario 11,249 12,731 11,886 -11.6 -5.4 48,480 52,035 -6.8
Bankruptcies 5,606 6,275 6,057 -10.7 -7.4 23,945 26,952 -11.2
Proposals 5,643 6,456 5,829 -12.6 -3.2 24,535 25,083 -2.2
Manitoba 456 505 514 -9.7 -11.3 1,932 2,306 -16.2
Bankruptcies 322 337 355 -4.5 -9.3 1,317 1,656 -20.5
Proposals 134 168 159 -20.2 -15.7 615 650 -5.4
Saskatchewan 432 452 506 -4.4 -14.6 1,813 2,137 -15.2
Bankruptcies 262 264 320 -0.8 -18.1 1,060 1,334 -20.5
Proposals 170 188 186 -9.6 -8.6 753 803 -6.2
Alberta 2,186 2,394 2,411 -8.7 -9.3 9,416 10,266 -8.3
Bankruptcies 1,364 1,522 1,654 -10.4 -17.5 6,079 7,340 -17.2
Proposals 822 872 757 -5.7 8.6 3,337 2,926 14.0
British Columbia 2,806 3,160 2,921 -11.2 -3.9 11,794 12,104 -2.6
Bankruptcies 1,811 2,070 1,985 -12.5 -8.8 7,612 8,688 -12.4
Proposals 995 1,090 936 -8.7 6.3 4,182 3,416 22.4
Northwest Territories 9 8 12 12.5 -25.0 43 45 -4.4
Bankruptcies 3 5 9 -40.0 -66.7 26 32 -18.8
Proposals 6 3 3 100.0 100.0 17 13 30.8
Yukon 12 5 11 140.0 9.1 29 44 -34.1
Bankruptcies 5 4 9 25.0 -44.4 19 39 -51.3
Proposals 7 1 2 600.0 250.0 10 5 100.0
Nunavut 1 0 2 -- -50.0 2 10 -80.0
Bankruptcies 0 0 1 -- -100.0 0 9 -100.0
Proposals 1 0 1 -- 0.0 2 1 100.0
Canada 28,050 31,275 29,300 -10.3 -4.3 119,740 126,360 -5.2
Bankruptcies 17,056 19,087 18,611 -10.6 -8.4 73,038 81,769 -10.7
Proposals 10,994 12,188 10,689 -9.8 2.9 46,702 44,591 4.7

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Table 3: Insolvencies Filed by Businesses
Province Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Newfoundland and Labrador 8 1 5 700.0 60.0 20 30 -33.3
Bankruptcies 4 1 5 300.0 -20.0 14 28 -50.0
Proposals 4 0 0 -- -- 6 2 200.0
Prince Edward Island 3 3 4 0.0 -25.0 22 20 10.0
Bankruptcies 3 2 4 50.0 -25.0 18 14 28.6
Proposals 0 1 0 -100.0 -- 4 6 -33.3
Nova Scotia 22 24 18 -8.3 22.2 93 136 -31.6
Bankruptcies 16 22 14 -27.3 14.3 77 117 -34.2
Proposals 6 2 4 200.0 50.0 16 19 -15.8
New Brunswick 17 18 21 -5.6 -19.0 59 72 -18.1
Bankruptcies 9 13 15 -30.8 -40.0 43 54 -20.4
Proposals 8 5 6 60.0 33.3 16 18 -11.1
Quebec 479 531 457 -9.8 4.8 2,079 2,095 -0.8
Bankruptcies 361 393 330 -8.1 9.4 1,533 1,569 -2.3
Proposals 118 138 127 -14.5 -7.1 546 526 3.8
Ontario 312 339 360 -8.0 -13.3 1,438 1,636 -12.1
Bankruptcies 240 247 290 -2.8 -17.2 1,093 1,308 -16.4
Proposals 72 92 70 -21.7 2.9 345 328 5.2
Manitoba 8 9 14 -11.1 -42.9 62 64 -3.1
Bankruptcies 8 5 13 60.0 -38.5 48 53 -9.4
Proposals 0 4 1 -100.0 -100.0 14 11 27.3
Saskatchewan 33 36 43 -8.3 -23.3 136 162 -16.0
Bankruptcies 16 24 33 -33.3 -51.5 86 110 -21.8
Proposals 17 12 10 41.7 70.0 50 52 -3.8
Alberta 57 91 79 -37.4 -27.8 325 357 -9.0
Bankruptcies 47 70 64 -32.9 -26.6 248 284 -12.7
Proposals 10 21 15 -52.4 -33.3 77 73 5.5
British Columbia 69 54 62 27.8 11.3 260 241 7.9
Bankruptcies 49 45 47 8.9 4.3 198 191 3.7
Proposals 20 9 15 122.2 33.3 62 50 24.0
Northwest Territories 0 1 0 -100.0 -- 1 2 -50.0
Bankruptcies 0 0 0 -- -- 0 0 --
Proposals 0 1 0 -100.0 -- 1 2 -50.0
Yukon 0 1 1 -100.0 -100.0 1 2 -50.0
Bankruptcies 0 1 1 -100.0 -100.0 1 1 0.0
Proposals 0 0 0 -- -- 0 1 -100.0
Nunavut 1 0 0 -- -- 1 0 --
Bankruptcies 1 0 0 -- -- 1 0 --
Proposals 0 0 0 -- -- 0 0 --
Canada 1,009 1,108 1,064 -8.9 -5.2 4,497 4,817 -6.6
Bankruptcies 754 823 816 -8.4 -7.6 3,360 3,729 -9.9
Proposals 255 285 248 -10.5 2.8 1,137 1,088 4.5

Table 4: Insolvencies by NAICS Economic Sectors, Canada
Classification Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Agriculture, Forestry, Fishing and Hunting 2 6 38 41 -31.6 -36.6 118 142 -16.9
Bankruptcies 17 28 31 -39.3 -45.2 89 94 -5.3
Proposals 9 10 10 -10.0 -10.0 29 48 -39.6
Mining and Oil and Gas Extraction 14 8 5 75.0 180.0 29 32 -9.4
Bankruptcies 12 7 3 71.4 300.0 23 23 0.0
Proposals 2 1 2 100.0 0.0 6 9 -33.3
Utilities 5 6 3 -16.7 66.7 18 11 63.6
Bankruptcies 1 5 2 -80.0 -50.0 12 7 71.4
Proposals 4 1 1 300.0 300.0 6 4 50.0
Construction 181 216 166 -16.2 9.0 812 811 0.1
Bankruptcies 133 163 135 -18.4 -1.5 605 649 -6.8
Proposals 48 53 31 -9.4 54.8 207 162 27.8
Manufacturing 101 101 126 0.0 -19.8 480 524 -8.4
Bankruptcies 68 70 90 -2.9 -24.4 342 366 -6.6
Proposals 33 31 36 6.5 -8.3 138 158 -12.7
Wholesale Trade 50 61 57 -18.0 -12.3 244 273 -10.6
Bankruptcies 39 42 45 -7.1 -13.3 182 214 -15.0
Proposals 11 19 12 -42.1 -8.3 62 59 5.1
Retail Trade 135 156 155 -13.5 -12.9 611 667 -8.4
Bankruptcies 106 122 123 -13.1 -13.8 457 535 -14.6
Proposals 29 34 32 -14.7 -9.4 154 132 16.7
Transportation and Warehousing 50 65 81 -23.1 -38.3 240 333 -27.9
Bankruptcies 42 51 66 -17.6 -36.4 189 274 -31.0
Proposals 8 14 15 -42.9 -46.7 51 59 -13.6
Information and Cultural Industries 13 18 17 -27.8 -23.5 62 82 -24.4
Bankruptcies 8 16 8 -50.0 0.0 53 52 1.9
Proposals 5 2 9 150.0 -44.4 9 30 -70.0
Finance and Insurance 17 15 21 13.3 -19.0 79 115 -31.3
Bankruptcies 13 13 13 0.0 0.0 62 88 -29.5
Proposals 4 2 8 100.0 -50.0 17 27 -37.0
Real Estate and Rental and Leasing 27 21 24 28.6 12.5 116 154 -24.7
Bankruptcies 19 11 19 72.7 0.0 76 123 -38.2
Proposals 8 10 5 -20.0 60.0 40 31 29.0
Professional, Scientific and Technical Services 59 63 54 -6.3 9.3 292 279 4.7
Bankruptcies 42 43 38 -2.3 10.5 209 195 7.2
Proposals 17 20 16 -15.0 6.3 83 84 -1.2
Management of Companies and Enterprises 15 15 13 0.0 15.4 60 53 13.2
Bankruptcies 15 13 9 15.4 66.7 52 44 18.2
Proposals 0 2 4 -100.0 -100.0 8 9 -11.1
Administrative and Support, Waste Management and Remediation Services 45 54 54 -16.7 -16.7 223 210 6.2
Bankruptcies 33 40 42 -17.5 -21.4 161 174 -7.5
Proposals 12 14 12 -14.3 0.0 62 36 72.2
Educational Services 6 8 6 -25.0 0.0 32 33 -3.0
Bankruptcies 6 6 4 0.0 50.0 28 23 21.7
Proposals 0 2 2 -100.0 -100.0 4 10 -60.0
Health Care and Social Assistance 19 14 16 35.7 18.8 60 79 -24.1
Bankruptcies 15 11 12 36.4 25.0 44 60 -26.7
Proposals 4 3 4 33.3 0.0 16 19 -15.8
Arts, Entertainment and Recreation 15 16 20 -6.3 -25.0 72 89 -19.1
Bankruptcies 11 14 16 -21.4 -31.3 61 77 -20.8
Proposals 4 2 4 100.0 0.0 11 12 -8.3
Accommodation and Food Services 161 174 140 -7.5 15.0 678 621 9.2
Bankruptcies 115 119 110 -3.4 4.5 485 485 0.0
Proposals 46 55 30 -16.4 53.3 193 136 41.9
Other Services (except Public Administration) 70 58 62 20.7 12.9 267 303 -11.9
Bankruptcies 59 49 48 20.4 22.9 227 243 -6.6
Proposals 11 9 14 22.2 -21.4 40 60 -33.3
Public Administration 0 1 3 -100.0 -100.0 4 5 -20.0
Bankruptcies 0 0 2 -- -100.0 3 2 50.0
Proposals 0 1 1 -100.0 -100.0 1 3 -66.7
Total 1,009 1,108 1,064 -8.9 -5.2 4,497 4,817 -6.6
Bankruptcies 754 823 816 -8.4 -7.6 3,360 3,729 -9.9
Proposals 255 285 248 -10.5 2.8 1,137 1,088 4.5

Table 5: Insolvencies Filed by Consumers by ER
Economic Region Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Newfoundland and Labrador 420 502 518 -16.3 -18.9 1,807 2,235 -19.1
Bankruptcies 390 450 487 -13.3 -19.9 1,667 2,109 -21.0
Proposals 30 52 31 -42.3 -3.2 140 126 11.1
Avalon Peninsula 167 237 228 -29.5 -26.8 761 937 -18.8
Bankruptcies 154 207 208 -25.6 -26.0 677 860 -21.3
Proposals 13 30 20 -56.7 -35.0 84 77 9.1
South Coast – Burin Peninsula 45 34 33 32.4 36.4 146 207 -29.5
Bankruptcies 39 34 33 14.7 18.2 139 203 -31.5
Proposals 6 0 0 7 4 75.0
West Coast – Northern Peninsula – Labrador 92 88 109 4.5 -15.6 390 441 -11.6
Bankruptcies 89 78 104 14.1 -14.4 369 417 -11.5
Proposals 3 10 5 -70.0 -40.0 21 24 -12.5
Notre Dame – Central Bonavista Bay 116 143 148 -18.9 -21.6 509 651 -21.8
Bankruptcies 108 130 142 -16.9 -23.9 482 629 -23.4
Proposals 8 13 6 -38.5 33.3 27 22 22.7
Prince Edward Island 148 163 150 -9.2 -1.3 581 635 -8.5
Bankruptcies 111 114 117 -2.6 -5.1 439 555 -20.9
Proposals 37 49 33 -24.5 12.1 142 80 77.5
Nova Scotia 1,010 1,179 1,109 -14.3 -8.9 4,328 4,763 -9.1
Bankruptcies 747 918 857 -18.6 -12.8 3,302 3,786 -12.8
Proposals 263 261 252 0.8 4.4 1,026 977 5.0
Cape Breton 168 182 228 -7.7 -26.3 675 906 -25.5
Bankruptcies 117 129 158 -9.3 -25.9 473 668 -29.2
Proposals 51 53 70 -3.8 -27.1 202 238 -15.1
North Shore 161 198 177 -18.7 -9.0 725 774 -6.3
Bankruptcies 124 152 130 -18.4 -4.6 555 582 -4.6
Proposals 37 46 47 -19.6 -21.3 170 192 -11.5
Annapolis Valley 157 170 159 -7.6 -1.3 650 651 -0.2
Bankruptcies 129 147 135 -12.2 -4.4 546 549 -0.5
Proposals 28 23 24 21.7 16.7 104 102 2.0
Southern 120 152 146 -21.1 -17.8 539 638 -15.5
Bankruptcies 85 114 120 -25.4 -29.2 402 523 -23.1
Proposals 35 38 26 -7.9 34.6 137 115 19.1
Halifax 404 477 399 -15.3 1.3 1,739 1,794 -3.1
Bankruptcies 292 376 314 -22.3 -7.0 1,326 1,464 -9.4
Proposals 112 101 85 10.9 31.8 413 330 25.2
New Brunswick 964 1,015 878 -5.0 9.8 3,869 3,463 11.7
Bankruptcies 709 800 693 -11.4 2.3 2,965 2,858 3.7
Proposals 255 215 185 18.6 37.8 904 605 49.4
Campbellton – Miramichi 173 150 155 15.3 11.6 713 646 10.4
Bankruptcies 134 117 133 14.5 0.8 572 566 1.1
Proposals 39 33 22 18.2 77.3 141 80 76.3
Moncton – Richibucto 295 297 258 -0.7 14.3 1,099 1,034 6.3
Bankruptcies 215 229 193 -6.1 11.4 831 844 -1.5
Proposals 80 68 65 17.6 23.1 268 190 41.1
Saint John – St. Stephen 237 254 245 -6.7 -3.3 969 837 15.8
Bankruptcies 173 199 195 -13.1 -11.3 727 686 6.0
Proposals 64 55 50 16.4 28.0 242 151 60.3
Fredericton – Oromocto 153 198 133 -22.7 15.0 649 569 14.1
Bankruptcies 98 149 99 -34.2 -1.0 467 433 7.9
Proposals 55 49 34 12.2 61.8 182 136 33.8
Edmundston – Woodstock 105 116 88 -9.5 19.3 440 378 16.4
Bankruptcies 89 106 74 -16.0 20.3 369 330 11.8
Proposals 16 10 14 60.0 14.3 71 48 47.9
Quebec 8,357 9,161 8,382 -8.8 -0.3 35,646 36,317 -1.8
Bankruptcies 5,726 6,328 6,067 -9.5 -5.6 24,607 26,411 -6.8
Proposals 2,631 2,833 2,315 -7.1 13.7 11,039 9,906 11.4
Gaspésie – Îles-de-la-Madeleine 78 74 80 5.4 -2.5 338 387 -12.7
Bankruptcies 60 49 61 22.4 -1.6 240 272 -11.8
Proposals 18 25 19 -28.0 -5.3 98 115 -14.8
Bas-Saint-Laurent 142 168 143 -15.5 -0.7 659 676 -2.5
Bankruptcies 120 134 111 -10.4 8.1 508 479 6.1
Proposals 22 34 32 -35.3 -31.3 151 197 -23.4
Capitale-Nationale 530 596 556 -11.1 -4.7 2,229 2,442 -8.7
Bankruptcies 400 457 447 -12.5 -10.5 1,699 1,887 -10.0
Proposals 130 139 109 -6.5 19.3 530 555 -4.5
Chaudière – Appalaches 252 306 251 -17.6 0.4 1,186 1,223 -3.0
Bankruptcies 190 205 185 -7.3 2.7 834 910 -8.4
Proposals 62 101 66 -38.6 -6.1 352 313 12.5
Estrie 335 305 272 9.8 23.2 1,288 1,294 -0.5
Bankruptcies 239 233 221 2.6 8.1 952 1,064 -10.5
Proposals 96 72 51 33.3 88.2 336 230 46.1
Centre-du-Québec 211 228 222 -7.5 -5.0 960 988 -2.8
Bankruptcies 166 178 182 -6.7 -8.8 715 780 -8.3
Proposals 45 50 40 -10.0 12.5 245 208 17.8
Montérégie 1,604 1,813 1,547 -11.5 3.7 6,893 6,509 5.9
Bankruptcies 1,013 1,225 1,091 -17.3 -7.1 4,628 4,613 0.3
Proposals 591 588 456 0.5 29.6 2,265 1,896 19.5
Montréal 2,036 2,238 2,184 -9.0 -6.8 8,612 9,506 -9.4
Bankruptcies 1,436 1,596 1,608 -10.0 -10.7 6,138 7,073 -13.2
Proposals 600 642 576 -6.5 4.2 2,474 2,433 1.7
Laval 432 551 437 -21.6 -1.1 1,964 1,974 -0.5
Bankruptcies 266 368 300 -27.7 -11.3 1,290 1,366 -5.6
Proposals 166 183 137 -9.3 21.2 674 608 10.9
Lanaudière 741 712 609 4.1 21.7 2,911 2,668 9.1
Bankruptcies 459 441 386 4.1 18.9 1,779 1,735 2.5
Proposals 282 271 223 4.1 26.5 1,132 933 21.3
Laurentides 845 925 918 -8.6 -8.0 3,619 3,561 1.6
Bankruptcies 536 575 634 -6.8 -15.5 2,280 2,432 -6.3
Proposals 309 350 284 -11.7 8.8 1,339 1,129 18.6
Outaouais 510 559 488 -8.8 4.5 2,196 2,138 2.7
Bankruptcies 346 353 331 -2.0 4.5 1,458 1,478 -1.4
Proposals 164 206 157 -20.4 4.5 738 660 11.8
Abitibi – Témiscamingue 98 124 134 -21.0 -26.9 425 540 -21.3
Bankruptcies 71 88 87 -19.3 -18.4 299 411 -27.3
Proposals 27 36 47 -25.0 -42.6 126 129 -2.3
Mauricie 278 267 261 4.1 6.5 1,146 1,129 1.5
Bankruptcies 226 207 212 9.2 6.6 905 928 -2.5
Proposals 52 60 49 -13.3 6.1 241 201 19.9
Saguenay – Lac-Saint-Jean 188 233 236 -19.3 -20.3 947 1,024 -7.5
Bankruptcies 139 168 174 -17.3 -20.1 667 776 -14.0
Proposals 49 65 62 -24.6 -21.0 280 248 12.9
Côte-Nord 65 49 41 32.7 58.5 227 216 5.1
Bankruptcies 48 42 34 14.3 41.2 179 171 4.7
Proposals 17 7 7 142.9 142.9 48 45 6.7
Nord-du-Québec 10 10 6 0.0 66.7 47 40 17.5
Bankruptcies 9 8 5 12.5 80.0 37 35 5.7
Proposals 1 2 1 -50.0 0.0 10 5 100.0
Ontario 11,249 12,731 11,886 -11.6 -5.4 48,480 52,035 -6.8
Bankruptcies 5,606 6,275 6,057 -10.7 -7.4 23,945 26,952 -11.2
Proposals 5,643 6,456 5,829 -12.6 -3.2 24,535 25,083 -2.2
Ottawa 917 1,084 909 -15.4 0.9 3,919 4,110 -4.6
Bankruptcies 538 663 591 -18.9 -9.0 2,372 2,635 -10.0
Proposals 379 421 318 -10.0 19.2 1,547 1,475 4.9
Kingston – Pembroke 438 458 485 -4.4 -9.7 1,755 1,802 -2.6
Bankruptcies 272 282 343 -3.5 -20.7 1,115 1,165 -4.3
Proposals 166 176 142 -5.7 16.9 640 637 0.5
Muskoka – Kawarthas 395 404 379 -2.2 4.2 1,521 1,428 6.5
Bankruptcies 194 211 212 -8.1 -8.5 771 825 -6.5
Proposals 201 193 167 4.1 20.4 750 603 24.4
Toronto 4,703 5,350 5,237 -12.1 -10.2 20,455 22,606 -9.5
Bankruptcies 1,927 2,127 2,110 -9.4 -8.7 8,182 9,481 -13.7
Proposals 2,776 3,223 3,127 -13.9 -11.2 12,273 13,125 -6.5
Kitchener – Waterloo – Barrie 1,126 1,307 1,146 -13.8 -1.7 4,909 5,187 -5.4
Bankruptcies 563 688 577 -18.2 -2.4 2,468 2,705 -8.8
Proposals 563 619 569 -9.0 -1.1 2,441 2,482 -1.7
Hamilton – Niagara Peninsula 1,346 1,661 1,370 -19.0 -1.8 6,055 6,321 -4.2
Bankruptcies 645 809 689 -20.3 -6.4 2,968 3,173 -6.5
Proposals 701 852 681 -17.7 2.9 3,087 3,148 -1.9
London 754 819 834 -7.9 -9.6 3,223 3,461 -6.9
Bankruptcies 464 430 505 7.9 -8.1 1,865 2,141 -12.9
Proposals 290 389 329 -25.4 -11.9 1,358 1,320 2.9
Windsor – Sarnia 636 691 642 -8.0 -0.9 2,742 3,115 -12.0
Bankruptcies 421 448 421 -6.0 0.0 1,750 2,031 -13.8
Proposals 215 243 221 -11.5 -2.7 992 1,084 -8.5
Stratford – Bruce Peninsula 195 233 191 -16.3 2.1 910 869 4.7
Bankruptcies 126 155 132 -18.7 -4.5 587 594 -1.2
Proposals 69 78 59 -11.5 16.9 323 275 17.5
Northeast 600 571 559 5.1 7.3 2,387 2,492 -4.2
Bankruptcies 371 351 373 5.7 -0.5 1,445 1,732 -16.6
Proposals 229 220 186 4.1 23.1 942 760 23.9
Northwest 140 154 136 -9.1 2.9 604 644 -6.2
Bankruptcies 85 111 104 -23.4 -18.3 422 470 -10.2
Proposals 55 43 32 27.9 71.9 182 174 4.6
Manitoba 456 505 514 -9.7 -11.3 1,932 2,306 -16.2
Bankruptcies 322 337 355 -4.5 -9.3 1,317 1,656 -20.5
Proposals 134 168 159 -20.2 -15.7 615 650 -5.4
Southeast 35 30 20 16.7 75.0 115 160 -28.1
Bankruptcies 22 19 16 15.8 37.5 83 130 -36.2
Proposals 13 11 4 18.2 225.0 32 30 6.7
South Central 15 29 16 -48.3 -6.3 81 91 -11.0
Bankruptcies 14 23 9 -39.1 55.6 63 68 -7.4
Proposals 1 6 7 -83.3 -85.7 18 23 -21.7
Southwest 40 48 67 -16.7 -40.3 211 271 -22.1
Bankruptcies 24 32 42 -25.0 -42.9 130 164 -20.7
Proposals 16 16 25 0.0 -36.0 81 107 -24.3
North Central 10 13 8 -23.1 25.0 56 57 -1.8
Bankruptcies 8 7 8 14.3 0.0 33 42 -21.4
Proposals 2 6 0 -66.7 23 15 53.3
Winnipeg 292 329 328 -11.2 -11.0 1,239 1,452 -14.7
Bankruptcies 209 225 227 -7.1 -7.9 860 1,063 -19.1
Proposals 83 104 101 -20.2 -17.8 379 389 -2.6
Interlake 22 29 33 -24.1 -33.3 98 120 -18.3
Bankruptcies 18 21 26 -14.3 -30.8 72 92 -21.7
Proposals 4 8 7 -50.0 -42.9 26 28 -7.1
Parklands 17 12 26 41.7 -34.6 52 77 -32.5
Bankruptcies 9 3 17 200.0 -47.1 24 42 -42.9
Proposals 8 9 9 -11.1 -11.1 28 35 -20.0
North 22 12 14 83.3 57.1 81 79 2.5
Bankruptcies 17 6 9 183.3 88.9 52 56 -7.1
Proposals 5 6 5 -16.7 0.0 29 23 26.1
Saskatchewan 432 452 506 -4.4 -14.6 1,813 2,137 -15.2
Bankruptcies 262 264 320 -0.8 -18.1 1,060 1,334 -20.5
Proposals 170 188 186 -9.6 -8.6 753 803 -6.2
Regina – Moose Mountain 107 122 153 -12.3 -30.1 456 613 -25.6
Bankruptcies 58 57 74 1.8 -21.6 221 318 -30.5
Proposals 49 65 79 -24.6 -38.0 235 295 -20.3
Swift Current – Moose Jaw 38 48 34 -20.8 11.8 173 216 -19.9
Bankruptcies 28 27 26 3.7 7.7 105 145 -27.6
Proposals 10 21 8 -52.4 25.0 68 71 -4.2
Saskatoon – Biggar 165 140 160 17.9 3.1 635 651 -2.5
Bankruptcies 107 87 115 23.0 -7.0 398 425 -6.4
Proposals 58 53 45 9.4 28.9 237 226 4.9
Yorkton – Melville 24 48 46 -50.0 -47.8 147 182 -19.2
Bankruptcies 13 31 31 -58.1 -58.1 93 130 -28.5
Proposals 11 17 15 -35.3 -26.7 54 52 3.8
Prince Albert 90 82 99 9.8 -9.1 362 427 -15.2
Bankruptcies 51 51 66 0.0 -22.7 220 280 -21.4
Proposals 39 31 33 25.8 18.2 142 147 -3.4
Northern 7 13 14 -46.2 -50.0 41 47 -12.8
Bankruptcies 5 11 9 -54.5 -44.4 25 36 -30.6
Proposals 2 2 5 0.0 -60.0 16 11 45.5
Alberta 2,186 2,394 2,411 -8.7 -9.3 9,416 10,266 -8.3
Bankruptcies 1,364 1,522 1,654 -10.4 -17.5 6,079 7,340 -17.2
Proposals 822 872 757 -5.7 8.6 3,337 2,926 14.0
Lethbridge – Medicine Hat 166 211 222 -21.3 -25.2 793 940 -15.6
Bankruptcies 104 141 160 -26.2 -35.0 542 690 -21.4
Proposals 62 70 62 -11.4 0.0 251 250 0.4
Camrose – Drumheller 112 108 108 3.7 3.7 447 398 12.3
Bankruptcies 78 75 76 4.0 2.6 312 291 7.2
Proposals 34 33 32 3.0 6.3 135 107 26.2
Calgary 847 956 956 -11.4 -11.4 3,702 3,748 -1.2
Bankruptcies 542 641 673 -15.4 -19.5 2,479 2,859 -13.3
Proposals 305 315 283 -3.2 7.8 1,223 889 37.6
Banff – Jasper – Rocky Mountain House 44 36 65 22.2 -32.3 197 214 -7.9
Bankruptcies 32 21 57 52.4 -43.9 139 171 -18.7
Proposals 12 15 8 -20.0 50.0 58 43 34.9
Red Deer 112 117 110 -4.3 1.8 465 581 -20.0
Bankruptcies 65 67 73 -3.0 -11.0 291 419 -30.5
Proposals 47 50 37 -6.0 27.0 174 162 7.4
Edmonton 743 766 777 -3.0 -4.4 3,051 3,538 -13.8
Bankruptcies 429 452 495 -5.1 -13.3 1,813 2,315 -21.7
Proposals 314 314 282 0.0 11.3 1,238 1,223 1.2
Athabasca – Grande Prairie – Peace River 123 145 128 -15.2 -3.9 567 653 -13.2
Bankruptcies 94 96 91 -2.1 3.3 392 473 -17.1
Proposals 29 49 37 -40.8 -21.6 175 180 -2.8
Wood Buffalo – Cold Lake 38 53 45 -28.3 -15.6 195 194 0.5
Bankruptcies 20 28 29 -28.6 -31.0 111 123 -9.8
Proposals 18 25 16 -28.0 12.5 84 71 18.3
British Columbia 2,806 3,160 2,921 -11.2 -3.9 11,794 12,104 -2.6
Bankruptcies 1,811 2,070 1,985 -12.5 -8.8 7,612 8,688 -12.4
Proposals 995 1,090 936 -8.7 6.3 4,182 3,416 22.4
Vancouver Island and Coast 585 658 581 -11.1 0.7 2,418 2,578 -6.2
Bankruptcies 382 439 433 -13.0 -11.8 1,612 1,943 -17.0
Proposals 203 219 148 -7.3 37.2 806 635 26.9
Lower Mainland – Southwest 1,512 1,667 1,641 -9.3 -7.9 6,444 6,400 0.7
Bankruptcies 964 1,065 1,067 -9.5 -9.7 4,084 4,515 -9.5
Proposals 548 602 574 -9.0 -4.5 2,360 1,885 25.2
Thompson – Okanagan 446 512 434 -12.9 2.8 1,780 1,913 -7.0
Bankruptcies 281 328 292 -14.3 -3.8 1,112 1,301 -14.5
Proposals 165 184 142 -10.3 16.2 668 612 9.2
Kootenay 99 101 81 -2.0 22.2 374 378 -1.1
Bankruptcies 70 68 60 2.9 16.7 257 272 -5.5
Proposals 29 33 21 -12.1 38.1 117 106 10.4
Cariboo 114 136 119 -16.2 -4.2 500 515 -2.9
Bankruptcies 81 102 79 -20.6 2.5 346 404 -14.4
Proposals 33 34 40 -2.9 -17.5 154 111 38.7
North Coast 14 31 25 -54.8 -44.0 96 103 -6.8
Bankruptcies 8 26 21 -69.2 -61.9 68 83 -18.1
Proposals 6 5 4 20.0 50.0 28 20 40.0
Nechako 11 12 12 -8.3 -8.3 59 87 -32.2
Bankruptcies 7 9 9 -22.2 -22.2 40 65 -38.5
Proposals 4 3 3 33.3 33.3 19 22 -13.6
Northeast 25 42 28 -40.5 -10.7 122 129 -5.4
Bankruptcies 18 34 24 -47.1 -25.0 93 104 -10.6
Proposals 7 8 4 -12.5 75.0 29 25 16.0
Northwest Territories 9 8 12 12.5 -25.0 43 45 -4.4
Bankruptcies 3 5 9 -40.0 -66.7 26 32 -18.8
Proposals 6 3 3 100.0 100.0 17 13 30.8
Yukon Territory 12 5 11 140.0 9.1 29 44 -34.1
Bankruptcies 5 4 9 25.0 -44.4 19 39 -51.3
Proposals 7 1 2 600.0 250.0 10 5 100.0
Nunavut 1 0 2 -50.0 2 10 -80.0
Bankruptcies 0 0 1 -100.0 0 9 -100.0
Proposals 1 0 1 0.0 2 1 100.0

Table 6: Insolvencies Filed by Businesses by ER
Economic region Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
Newfoundland and Labrador 8 1 5 700.0 60.0 20 30 -33.3
Bankruptcies 4 1 5 300.0 -20.0 14 28 -50.0
Proposals 4 0 0 6 2 200.0
Avalon Peninsula 5 1 1 400.0 400.0 8 15 -46.7
Bankruptcies 1 1 1 0.0 0.0 4 13 -69.2
Proposals 4 0 0 4 2 100.0
South Coast – Burin Peninsula 0 0 0 2 1 100.0
Bankruptcies 0 0 0 2 1 100.0
Proposals 0 0 0 0 0
West Coast – Northern Peninsula – Labrador 1 0 3 -66.7 5 7 -28.6
Bankruptcies 1 0 3 -66.7 5 7 -28.6
Proposals 0 0 0 0 0
Notre Dame – Central Bonavista Bay 2 0 1 100.0 5 6 -16.7
Bankruptcies 2 0 1 100.0 3 6 -50.0
Proposals 0 0 0 2 0
Prince Edward Island 3 3 4 0.0 -25.0 22 20 10.0
Bankruptcies 3 2 4 50.0 -25.0 18 14 28.6
Proposals 0 1 0 -100.0 4 6 -33.3
Nova Scotia 22 24 18 -8.3 22.2 93 136 -31.6
Bankruptcies 16 22 14 -27.3 14.3 77 117 -34.2
Proposals 6 2 4 200.0 50.0 16 19 -15.8
Cape Breton 2 4 0 -50.0 13 9 44.4
Bankruptcies 1 4 0 -75.0 11 8 37.5
Proposals 1 0 0 2 1 100.0
North Shore 4 0 2 100.0 14 12 16.7
Bankruptcies 4 0 2 100.0 12 9 33.3
Proposals 0 0 0 2 3 -33.3
Annapolis Valley 5 6 1 -16.7 400.0 17 14 21.4
Bankruptcies 2 5 1 -60.0 100.0 13 12 8.3
Proposals 3 1 0 200.0 4 2 100.0
Southern 2 6 4 -66.7 -50.0 10 16 -37.5
Bankruptcies 2 5 3 -60.0 -33.3 9 13 -30.8
Proposals 0 1 1 -100.0 -100.0 1 3 -66.7
Halifax 8 8 11 0.0 -27.3 38 85 -55.3
Bankruptcies 6 8 8 -25.0 -25.0 31 76 -59.2
Proposals 2 0 3 -33.3 7 9 -22.2
New Brunswick 17 18 21 -5.6 -19.0 59 72 -18.1
Bankruptcies 9 13 15 -30.8 -40.0 43 54 -20.4
Proposals 8 5 6 60.0 33.3 16 18 -11.1
Campbellton – Miramichi 4 2 7 100.0 -42.9 7 17 -58.8
Bankruptcies 2 2 6 0.0 -66.7 5 15 -66.7
Proposals 2 0 1 100.0 2 2 0.0
Moncton – Richibucto 6 6 3 0.0 100.0 21 26 -19.2
Bankruptcies 4 3 3 33.3 33.3 15 21 -28.6
Proposals 2 3 0 -33.3 6 5 20.0
Saint John – St. Stephen 3 3 6 0.0 -50.0 13 14 -7.1
Bankruptcies 1 2 3 -50.0 -66.7 9 7 28.6
Proposals 2 1 3 100.0 -33.3 4 7 -42.9
Fredericton – Oromocto 2 1 2 100.0 0.0 4 6 -33.3
Bankruptcies 1 1 1 0.0 0.0 3 4 -25.0
Proposals 1 0 1 0.0 1 2 -50.0
Edmundston – Woodstock 2 6 2 -66.7 0.0 13 8 62.5
Bankruptcies 1 5 1 -80.0 0.0 10 6 66.7
Proposals 1 1 1 0.0 0.0 3 2 50.0
Quebec 479 531 457 -9.8 4.8 2,079 2,095 -0.8
Bankruptcies 361 393 330 -8.1 9.4 1,533 1,569 -2.3
Proposals 118 138 127 -14.5 -7.1 546 526 3.8
Gaspésie – Îles-de-la-Madeleine 2 4 13 -50.0 -84.6 12 32 -62.5
Bankruptcies 2 2 5 0.0 -60.0 7 21 -66.7
Proposals 0 2 8 -100.0 -100.0 5 11 -54.5
Bas-Saint-Laurent 8 7 16 14.3 -50.0 38 51 -25.5
Bankruptcies 5 7 11 -28.6 -54.5 30 38 -21.1
Proposals 3 0 5 -40.0 8 13 -38.5
Capitale-Nationale 30 35 35 -14.3 -14.3 145 157 -7.6
Bankruptcies 24 24 25 0.0 -4.0 104 117 -11.1
Proposals 6 11 10 -45.5 -40.0 41 40 2.5
Chaudière – Appalaches 27 16 14 68.8 92.9 87 79 10.1
Bankruptcies 23 14 10 64.3 130.0 68 63 7.9
Proposals 4 2 4 100.0 0.0 19 16 18.8
Estrie 12 14 8 -14.3 50.0 54 45 20.0
Bankruptcies 9 12 7 -25.0 28.6 40 34 17.6
Proposals 3 2 1 50.0 200.0 14 11 27.3
Centre-du-Québec 14 9 14 55.6 0.0 47 62 -24.2
Bankruptcies 11 7 10 57.1 10.0 38 47 -19.1
Proposals 3 2 4 50.0 -25.0 9 15 -40.0
Montérégie 69 75 82 -8.0 -15.9 338 333 1.5
Bankruptcies 52 57 68 -8.8 -23.5 258 257 0.4
Proposals 17 18 14 -5.6 21.4 80 76 5.3
Montréal 156 170 133 -8.2 17.3 650 619 5.0
Bankruptcies 119 119 87 0.0 36.8 482 465 3.7
Proposals 37 51 46 -27.5 -19.6 168 154 9.1
Laval 45 33 30 36.4 50.0 162 154 5.2
Bankruptcies 35 26 20 34.6 75.0 113 108 4.6
Proposals 10 7 10 42.9 0.0 49 46 6.5
Lanaudière 25 41 21 -39.0 19.0 133 124 7.3
Bankruptcies 21 33 17 -36.4 23.5 101 94 7.4
Proposals 4 8 4 -50.0 0.0 32 30 6.7
Laurentides 28 51 37 -45.1 -24.3 164 197 -16.8
Bankruptcies 15 39 31 -61.5 -51.6 114 144 -20.8
Proposals 13 12 6 8.3 116.7 50 53 -5.7
Outaouais 22 15 17 46.7 29.4 73 81 -9.9
Bankruptcies 15 10 10 50.0 50.0 50 53 -5.7
Proposals 7 5 7 40.0 0.0 23 28 -17.9
Abitibi – Témiscamingue 10 13 3 -23.1 233.3 31 22 40.9
Bankruptcies 8 11 3 -27.3 166.7 25 22 13.6
Proposals 2 2 0 0.0 6 0
Mauricie 14 26 16 -46.2 -12.5 72 68 5.9
Bankruptcies 8 17 13 -52.9 -38.5 44 48 -8.3
Proposals 6 9 3 -33.3 100.0 28 20 40.0
Saguenay – Lac-Saint-Jean 6 16 8 -62.5 -25.0 60 49 22.4
Bankruptcies 5 11 8 -54.5 -37.5 48 41 17.1
Proposals 1 5 0 -80.0 12 8 50.0
Côte-Nord 2 4 5 -50.0 -60.0 8 14 -42.9
Bankruptcies 2 3 3 -33.3 -33.3 7 12 -41.7
Proposals 0 1 2 -100.0 -100.0 1 2 -50.0
Nord-du-Québec 5 0 0 5 5 0.0
Bankruptcies 5 0 0 5 4 25.0
Proposals 0 0 0 0 1 -100.0
Ontario 312 339 360 -8.0 -13.3 1,438 1,636 -12.1
Bankruptcies 240 247 290 -2.8 -17.2 1,093 1,308 -16.4
Proposals 72 92 70 -21.7 2.9 345 328 5.2
Ottawa 36 30 23 20.0 56.5 129 123 4.9
Bankruptcies 31 20 19 55.0 63.2 99 95 4.2
Proposals 5 10 4 -50.0 25.0 30 28 7.1
Kingston – Pembroke 3 8 11 -62.5 -72.7 24 36 -33.3
Bankruptcies 3 8 8 -62.5 -62.5 22 31 -29.0
Proposals 0 0 3 -100.0 2 5 -60.0
Muskoka – Kawarthas 6 6 21 0.0 -71.4 23 43 -46.5
Bankruptcies 4 5 20 -20.0 -80.0 19 41 -53.7
Proposals 2 1 1 100.0 100.0 4 2 100.0
Toronto 159 180 193 -11.7 -17.6 773 901 -14.2
Bankruptcies 112 132 143 -15.2 -21.7 576 704 -18.2
Proposals 47 48 50 -2.1 -6.0 197 197 0.0
Kitchener – Waterloo – Barrie 34 27 28 25.9 21.4 131 139 -5.8
Bankruptcies 30 20 27 50.0 11.1 98 117 -16.2
Proposals 4 7 1 -42.9 300.0 33 22 50.0
Hamilton – Niagara Peninsula 22 39 41 -43.6 -46.3 146 180 -18.9
Bankruptcies 17 29 37 -41.4 -54.1 113 144 -21.5
Proposals 5 10 4 -50.0 25.0 33 36 -8.3
London 20 8 8 150.0 150.0 54 59 -8.5
Bankruptcies 17 6 7 183.3 142.9 44 44 0.0
Proposals 3 2 1 50.0 200.0 10 15 -33.3
Windsor – Sarnia 9 14 18 -35.7 -50.0 58 58 0.0
Bankruptcies 7 9 15 -22.2 -53.3 48 51 -5.9
Proposals 2 5 3 -60.0 -33.3 10 7 42.9
Stratford – Bruce Peninsula 8 6 6 33.3 33.3 29 31 -6.5
Bankruptcies 7 6 6 16.7 16.7 24 28 -14.3
Proposals 1 0 0 5 3 66.7
Northeast 8 10 7 -20.0 14.3 49 45 8.9
Bankruptcies 6 8 5 -25.0 20.0 38 34 11.8
Proposals 2 2 2 0.0 0.0 11 11 0.0
Northwest 5 7 2 -28.6 150.0 25 19 31.6
Bankruptcies 4 1 2 300.0 100.0 14 19 -26.3
Proposals 1 6 0 -83.3 11 0
Manitoba 8 9 14 -11.1 -42.9 62 64 -3.1
Bankruptcies 8 5 13 60.0 -38.5 48 53 -9.4
Proposals 0 4 1 -100.0 -100.0 14 11 27.3
Southeast 0 3 2 -100.0 -100.0 8 5 60.0
Bankruptcies 0 3 2 -100.0 -100.0 3 4 -25.0
Proposals 0 0 0 5 1 400.0
South Central 0 0 3 -100.0 3 7 -57.1
Bankruptcies 0 0 3 -100.0 3 6 -50.0
Proposals 0 0 0 0 1 -100.0
Southwest 0 2 4 -100.0 -100.0 7 14 -50.0
Bankruptcies 0 0 3 -100.0 3 13 -76.9
Proposals 0 2 1 -100.0 -100.0 4 1 300.0
North Central 0 0 0 6 3 100.0
Bankruptcies 0 0 0 6 1 500.0
Proposals 0 0 0 0 2 -100.0
Winnipeg 7 2 4 250.0 75.0 30 24 25.0
Bankruptcies 7 1 4 600.0 75.0 26 21 23.8
Proposals 0 1 0 -100.0 4 3 33.3
Interlake 1 0 1 0.0 2 2 0.0
Bankruptcies 1 0 1 0.0 2 2 0.0
Proposals 0 0 0 0 0
Parklands 0 2 0 -100.0 4 6 -33.3
Bankruptcies 0 1 0 -100.0 3 3 0.0
Proposals 0 1 0 -100.0 1 3 -66.7
North 0 0 0 1 2 -50.0
Bankruptcies 0 0 0 1 2 -50.0
Proposals 0 0 0 0 0
Saskatchewan 33 36 43 -8.3 -23.3 136 162 -16.0
Bankruptcies 16 24 33 -33.3 -51.5 86 110 -21.8
Proposals 17 12 10 41.7 70.0 50 52 -3.8
Regina – Moose Mountain 7 12 21 -41.7 -66.7 41 56 -26.8
Bankruptcies 0 6 17 -100.0 -100.0 23 38 -39.5
Proposals 7 6 4 16.7 75.0 18 18 0.0
Swift Current – Moose Jaw 8 4 2 100.0 300.0 22 16 37.5
Bankruptcies 5 2 1 150.0 400.0 11 8 37.5
Proposals 3 2 1 50.0 200.0 11 8 37.5
Saskatoon – Biggar 6 4 2 50.0 200.0 25 39 -35.9
Bankruptcies 5 3 2 66.7 150.0 21 32 -34.4
Proposals 1 1 0 0.0 4 7 -42.9
Yorkton – Melville 7 7 7 0.0 0.0 23 24 -4.2
Bankruptcies 2 5 5 -60.0 -60.0 10 13 -23.1
Proposals 5 2 2 150.0 150.0 13 11 18.2
Prince Albert 5 8 8 -37.5 -37.5 22 21 4.8
Bankruptcies 4 7 5 -42.9 -20.0 19 14 35.7
Proposals 1 1 3 0.0 -66.7 3 7 -57.1
Northern 0 1 3 -100.0 -100.0 2 4 -50.0
Bankruptcies 0 1 3 -100.0 -100.0 2 4 -50.0
Proposals 0 0 0 0 0
Alberta 57 91 79 -37.4 -27.8 325 357 -9.0
Bankruptcies 47 70 64 -32.9 -26.6 248 284 -12.7
Proposals 10 21 15 -52.4 -33.3 77 73 5.5
Lethbridge – Medicine Hat 6 4 2 50.0 200.0 21 16 31.3
Bankruptcies 5 4 2 25.0 150.0 16 16 0.0
Proposals 1 0 0 5 0
Camrose – Drumheller 2 3 3 -33.3 -33.3 10 12 -16.7
Bankruptcies 2 3 1 -33.3 100.0 9 7 28.6
Proposals 0 0 2 -100.0 1 5 -80.0
Calgary 21 31 33 -32.3 -36.4 129 136 -5.1
Bankruptcies 16 28 27 -42.9 -40.7 102 108 -5.6
Proposals 5 3 6 66.7 -16.7 27 28 -3.6
Banff – Jasper – Rocky Mountain House 0 3 2 -100.0 -100.0 7 10 -30.0
Bankruptcies 0 3 2 -100.0 -100.0 6 9 -33.3
Proposals 0 0 0 1 1 0.0
Red Deer 5 8 5 -37.5 0.0 21 31 -32.3
Bankruptcies 4 2 5 100.0 -20.0 10 25 -60.0
Proposals 1 6 0 -83.3 11 6 83.3
Edmonton 17 26 25 -34.6 -32.0 97 107 -9.3
Bankruptcies 14 17 20 -17.6 -30.0 74 86 -14.0
Proposals 3 9 5 -66.7 -40.0 23 21 9.5
Athabasca – Grande Prairie – Peace River 5 13 6 -61.5 -16.7 32 32 0.0
Bankruptcies 5 11 5 -54.5 0.0 25 26 -3.8
Proposals 0 2 1 -100.0 -100.0 7 6 16.7
Wood Buffalo – Cold Lake 0 1 1 -100.0 -100.0 7 11 -36.4
Bankruptcies 0 1 1 -100.0 -100.0 5 5 0.0
Proposals 0 0 0 2 6 -66.7
British Columbia 69 54 62 27.8 11.3 260 241 7.9
Bankruptcies 49 45 47 8.9 4.3 198 191 3.7
Proposals 20 9 15 122.2 33.3 62 50 24.0
Vancouver Island and Coast 6 7 12 -14.3 -50.0 39 50 -22.0
Bankruptcies 4 5 8 -20.0 -50.0 20 44 -54.5
Proposals 2 2 4 0.0 -50.0 19 6 216.7
Lower Mainland – Southwest 43 24 34 79.2 26.5 136 132 3.0
Bankruptcies 30 20 27 50.0 11.1 105 102 2.9
Proposals 13 4 7 225.0 85.7 31 30 3.3
Thompson – Okanagan 16 18 13 -11.1 23.1 60 41 46.3
Bankruptcies 11 15 11 -26.7 0.0 48 31 54.8
Proposals 5 3 2 66.7 150.0 12 10 20.0
Kootenay 2 1 1 100.0 100.0 14 8 75.0
Bankruptcies 2 1 0 100.0 14 7 100.0
Proposals 0 0 1 -100.0 0 1 -100.0
Cariboo 1 0 0 4 2 100.0
Bankruptcies 1 0 0 4 1 300.0
Proposals 0 0 0 0 1 -100.0
North Coast 0 2 1 -100.0 -100.0 3 1 200.0
Bankruptcies 0 2 1 -100.0 -100.0 3 1 200.0
Proposals 0 0 0 0 0
Nechako 0 0 0 0 2 -100.0
Bankruptcies 0 0 0 0 1 -100.0
Proposals 0 0 0 0 1 -100.0
Northeast 0 2 1 -100.0 -100.0 4 4 0.0
Bankruptcies 0 2 0 -100.0 4 3 33.3
Proposals 0 0 1 -100.0 0 1 -100.0
Northwest Territories 0 1 0 -100.0 1 2 -50.0
Bankruptcies 0 0 0 0 0
Proposals 0 1 0 -100.0 1 2 -50.0
Yukon Territory 0 1 1 -100.0 -100.0 1 2 -50.0
Bankruptcies 0 1 1 -100.0 -100.0 1 1 0.0
Proposals 0 0 0 0 1 -100.0
Nunavut 1 0 0 1 0
Bankruptcies 1 0 0 1 0
Proposals 0 0 0 0 0

Table 7: Insolvencies Filed by Consumers by CMA
City Province Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
St. John's N.L. 120 167 166 -28.1 -27.7 556 703 -20.9
Bankruptcies empty cell 113 148 155 -23.6 -27.1 492 652 -24.5
Proposals empty cell 7 19 11 -63.2 -36.4 64 51 25.5
Halifax N.S. 382 447 381 -14.5 0.3 1,646 1,712 -3.9
Bankruptcies empty cell 277 353 299 -21.5 -7.4 1,259 1,400 -10.1
Proposals empty cell 105 94 82 11.7 28.0 387 312 24.0
Moncton N.B. 206 207 182 -0.5 13.2 763 701 8.8
Bankruptcies empty cell 152 162 137 -6.2 10.9 571 568 0.5
Proposals empty cell 54 45 45 20.0 20.0 192 133 44.4
Saint John N.B. 182 198 189 -8.1 -3.7 729 640 13.9
Bankruptcies empty cell 134 154 149 -13.0 -10.1 550 524 5.0
Proposals empty cell 48 44 40 9.1 20.0 179 116 54.3
Saguenay Que. 95 136 129 -30.1 -26.4 541 598 -9.5
Bankruptcies empty cell 65 94 86 -30.9 -24.4 360 429 -16.1
Proposals empty cell 30 42 43 -28.6 -30.2 181 169 7.1
Québec Que. 540 606 539 -10.9 0.2 2,322 2,485 -6.6
Bankruptcies empty cell 404 439 435 -8.0 -7.1 1,721 1,921 -10.4
Proposals empty cell 136 167 104 -18.6 30.8 601 564 6.6
Sherbrooke Que. 180 183 164 -1.6 9.8 754 797 -5.4
Bankruptcies empty cell 146 152 136 -3.9 7.4 595 676 -12.0
Proposals empty cell 34 31 28 9.7 21.4 159 121 31.4
Trois-Rivières Que. 162 157 133 3.2 21.8 662 606 9.2
Bankruptcies empty cell 128 123 108 4.1 18.5 523 495 5.7
Proposals empty cell 34 34 25 0.0 36.0 139 111 25.2
Montréal Que. 4,253 4,740 4,377 -10.3 -2.8 18,125 18,705 -3.1
Bankruptcies empty cell 2,782 3,194 3,104 -12.9 -10.4 12,158 13,269 -8.4
Proposals empty cell 1,471 1,546 1,273 -4.9 15.6 5,967 5,436 9.8
Ottawa – Gatineau Ont./ Que. 990 1,101 952 -10.1 4.0 4,215 4,237 -0.5
Bankruptcies empty cell 617 661 627 -6.7 -1.6 2,611 2,727 -4.3
Proposals empty cell 373 440 325 -15.2 14.8 1,604 1,510 6.2
Kingston Ont. 145 153 164 -5.2 -11.6 564 583 -3.3
Bankruptcies empty cell 98 99 121 -1.0 -19.0 381 386 -1.3
Proposals empty cell 47 54 43 -13.0 9.3 183 197 -7.1
Peterborough Ont. 109 128 111 -14.8 -1.8 444 446 -0.4
Bankruptcies empty cell 44 72 61 -38.9 -27.9 225 257 -12.5
Proposals empty cell 65 56 50 16.1 30.0 219 189 15.9
Oshawa Ont. 381 372 427 2.4 -10.8 1,629 1,750 -6.9
Bankruptcies empty cell 144 158 163 -8.9 -11.7 647 724 -10.6
Proposals empty cell 237 214 264 10.7 -10.2 982 1,026 -4.3
Toronto Ont. 4,209 4,861 4,732 -13.4 -11.1 18,477 20,605 -10.3
Bankruptcies empty cell 1,743 1,938 1,916 -10.1 -9.0 7,426 8,680 -14.4
Proposals empty cell 2,466 2,923 2,816 -15.6 -12.4 11,051 11,925 -7.3
Hamilton Ont. 652 827 708 -21.2 -7.9 3,007 3,292 -8.7
Bankruptcies empty cell 307 360 344 -14.7 -10.8 1,382 1,610 -14.2
Proposals empty cell 345 467 364 -26.1 -5.2 1,625 1,682 -3.4
St. Catharines – Niagara Ont. 429 495 403 -13.3 6.5 1,854 1,875 -1.1
Bankruptcies empty cell 213 272 222 -21.7 -4.1 979 998 -1.9
Proposals empty cell 216 223 181 -3.1 19.3 875 877 -0.2
Kitchener Ont. 412 455 399 -9.5 3.3 1,710 1,880 -9.0
Bankruptcies empty cell 205 257 230 -20.2 -10.9 911 1,072 -15.0
Proposals empty cell 207 198 169 4.5 22.5 799 808 -1.1
Brantford Ont. 153 167 120 -8.4 27.5 633 595 6.4
Bankruptcies empty cell 73 95 53 -23.2 37.7 335 291 15.1
Proposals empty cell 80 72 67 11.1 19.4 298 304 -2.0
Guelph Ont. 97 93 97 4.3 0.0 385 478 -19.5
Bankruptcies empty cell 52 54 44 -3.7 18.2 186 237 -21.5
Proposals empty cell 45 39 53 15.4 -15.1 199 241 -17.4
London Ont. 544 610 630 -10.8 -13.7 2,381 2,622 -9.2
Bankruptcies empty cell 342 317 378 7.9 -9.5 1,356 1,581 -14.2
Proposals empty cell 202 293 252 -31.1 -19.8 1,025 1,041 -1.5
Windsor Ont. 342 344 323 -0.6 5.9 1,411 1,667 -15.4
Bankruptcies empty cell 210 226 205 -7.1 2.4 883 1,070 -17.5
Proposals empty cell 132 118 118 11.9 11.9 528 597 -11.6
Barrie Ont. 239 287 239 -16.7 0.0 1,053 1,064 -1.0
Bankruptcies empty cell 124 133 108 -6.8 14.8 487 472 3.2
Proposals empty cell 115 154 131 -25.3 -12.2 566 592 -4.4
Greater Sudbury Ont. 189 158 162 19.6 16.7 709 728 -2.6
Bankruptcies empty cell 105 92 90 14.1 16.7 389 459 -15.3
Proposals empty cell 84 66 72 27.3 16.7 320 269 19.0
Thunder Bay Ont. 78 93 76 -16.1 2.6 359 387 -7.2
Bankruptcies empty cell 44 60 52 -26.7 -15.4 246 282 -12.8
Proposals empty cell 34 33 24 3.0 41.7 113 105 7.6
Winnipeg Man. 297 327 333 -9.2 -10.8 1,240 1,471 -15.7
Bankruptcies empty cell 214 224 234 -4.5 -8.5 864 1,084 -20.3
Proposals empty cell 83 103 99 -19.4 -16.2 376 387 -2.8
Regina Sask. 81 97 109 -16.5 -25.7 355 458 -22.5
Bankruptcies empty cell 40 40 55 0.0 -27.3 162 241 -32.8
Proposals empty cell 41 57 54 -28.1 -24.1 193 217 -11.1
Saskatoon Sask. 134 117 122 14.5 9.8 526 538 -2.2
Bankruptcies empty cell 89 74 90 20.3 -1.1 326 349 -6.6
Proposals empty cell 45 43 32 4.7 40.6 200 189 5.8
Calgary Alta. 766 869 863 -11.9 -11.2 3,317 3,385 -2.0
Bankruptcies empty cell 487 581 604 -16.2 -19.4 2,213 2,592 -14.6
Proposals empty cell 279 288 259 -3.1 7.7 1,104 793 39.2
Edmonton Alta. 688 719 739 -4.3 -6.9 2,855 3,360 -15.0
Bankruptcies empty cell 393 427 469 -8.0 -16.2 1,695 2,188 -22.5
Proposals empty cell 295 292 270 1.0 9.3 1,160 1,172 -1.0
Kelowna B.C. 143 201 174 -28.9 -17.8 644 712 -9.6
Bankruptcies empty cell 87 123 108 -29.3 -19.4 384 459 -16.3
Proposals empty cell 56 78 66 -28.2 -15.2 260 253 2.8
Abbotsford B.C. 152 147 159 3.4 -4.4 600 503 19.3
Bankruptcies empty cell 85 90 95 -5.6 -10.5 364 358 1.7
Proposals empty cell 67 57 64 17.5 4.7 236 145 62.8
Vancouver B.C. 1,188 1,344 1,318 -11.6 -9.9 5,126 5,215 -1.7
Bankruptcies empty cell 759 848 854 -10.5 -11.1 3,221 3,629 -11.2
Proposals empty cell 429 496 464 -13.5 -7.5 1,905 1,586 20.1
Victoria B.C. 253 278 243 -9.0 4.1 1,053 1,098 -4.1
Bankruptcies empty cell 151 168 177 -10.1 -14.7 663 829 -20.0
Proposals empty cell 102 110 66 -7.3 54.5 390 269 45.0

Table 8: Insolvencies Filed by Businesses by CMA
Economic region Prov. Volume % Change 12-Month Period Ending
Q3 2012 Q2 2012 Q3 2011 Q2 2012 to Q3 2012 Q3 2011 to Q3 2012 09-30-2012 09-30-2011 % Change
St. John's N.L. 4 1 1 300.0 300.0 6 9 -33.3
Bankruptcies empty cell 1 1 1 0.0 0.0 3 9 -66.7
Proposals empty cell 3 0 0 3 0
Halifax N.S. 8 8 11 0.0 -27.3 36 79 -54.4
Bankruptcies empty cell 6 8 8 -25.0 -25.0 30 70 -57.1
Proposals empty cell 2 0 3 -33.3 6 9 -33.3
Moncton N.B. 4 5 2 -20.0 100.0 16 20 -20.0
Bankruptcies empty cell 3 2 2 50.0 50.0 11 17 -35.3
Proposals empty cell 1 3 0 -66.7 5 3 66.7
Saint John N.B. 2 2 2 0.0 0.0 9 5 80.0
Bankruptcies empty cell 1 2 1 -50.0 0.0 7 2 250.0
Proposals empty cell 1 0 1 0.0 2 3 -33.3
Saguenay Que. 3 7 0 -57.1 27 21 28.6
Bankruptcies empty cell 2 4 0 -50.0 21 16 31.3
Proposals empty cell 1 3 0 -66.7 6 5 20.0
Québec Que. 32 37 38 -13.5 -15.8 154 171 -9.9
Bankruptcies empty cell 25 27 28 -7.4 -10.7 112 132 -15.2
Proposals empty cell 7 10 10 -30.0 - 30.0 42 39 7.7
Sherbrooke Que. 6 4 2 50.0 200.0 24 21 14.3
Bankruptcies empty cell 4 4 2 0.0 100.0 18 13 38.5
Proposals empty cell 2 0 0 6 8 -25.0
Trois-Rivières Que. 10 13 10 -23.1 0.0 44 35 25.7
Bankruptcies empty cell 6 8 8 -25.0 -25.0 30 27 11.1
Proposals empty cell 4 5 2 -20.0 100.0 14 8 75.0
Montréal Que. 279 309 256 -9.7 9.0 1,213 1,186 2.3
Bankruptcies empty cell 207 222 188 -6.8 10.1 889 891 -0.2
Proposals empty cell 72 87 68 -17.2 5.9 324 295 9.8
Ottawa – Gatineau Ont./ Que. 42 34 33 23.5 27.3 150 148 1.4
Bankruptcies empty cell 33 22 23 50.0 43.5 106 106 0.0
Proposals empty cell 9 12 10 -25.0 -10.0 44 42 4.8
Kingston Ont. 1 6 3 -83.3 -66.7 12 13 -7.7
Bankruptcies empty cell 1 6 2 -83.3 -50.0 12 10 20.0
Proposals empty cell 0 0 1 -100.0 0 3 -100.0
Peterborough Ont. 4 1 10 300.0 -60.0 6 13 -53.8
Bankruptcies empty cell 2 1 9 100.0 -77.8 4 12 -66.7
Proposals empty cell 2 0 1 100.0 2 1 100.0
Oshawa Ont. 9 11 6 -18.2 50.0 37 42 -11.9
Bankruptcies empty cell 8 11 6 -27.3 33.3 35 40 -12.5
Proposals empty cell 1 0 0 2 2 0.0
Toronto Ont. 151 163 180 -7.4 -16.1 716 833 -14.0
Bankruptcies empty cell 104 118 133 -11.9 -21.8 528 641 -17.6
Proposals empty cell 47 45 47 4.4 0.0 188 192 -2.1
Hamilton Ont. 10 14 19 -28.6 -47.4 62 87 -28.7
Bankruptcies empty cell 6 13 16 -53.8 -62.5 49 68 -27.9
Proposals empty cell 4 1 3 300.0 33.3 13 19 -31.6
St. Catharines – Niagara Ont. 9 9 14 0.0 -35.7 37 55 -32.7
Bankruptcies empty cell 8 7 13 14.3 -38.5 30 49 -38.8
Proposals empty cell 1 2 1 -50.0 0.0 7 6 16.7
Kitchener Ont. 6 6 5 0.0 20.0 37 36 2.8
Bankruptcies empty cell 5 3 4 66.7 25.0 27 28 -3.6
Proposals empty cell 1 3 1 -66.7 0.0 10 8 25.0
Brantford Ont. 2 8 2 -75.0 0.0 24 20 20.0
Bankruptcies empty cell 2 5 2 -60.0 0.0 16 13 23.1
Proposals empty cell 0 3 0 -100.0 8 7 14.3
Guelph Ont. 3 3 2 0.0 50.0 16 7 128.6
Bankruptcies empty cell 2 1 2 100.0 0.0 9 6 50.0
Proposals empty cell 1 2 0 -50.0 7 1 600.0
London Ont. 17 4 6 325.0 183.3 38 39 -2.6
Bankruptcies empty cell 14 3 5 366.7 180.0 31 28 10.7
Proposals empty cell 3 1 1 200.0 200.0 7 11 -36.4
Windsor Ont. 7 4 9 75.0 -22.2 30 25 20.0
Bankruptcies empty cell 5 2 7 150.0 -28.6 24 21 14.3
Proposals empty cell 2 2 2 0.0 0.0 6 4 50.0
Barrie Ont. 13 6 7 116.7 85.7 33 34 -2.9
Bankruptcies empty cell 12 6 7 100.0 71.4 29 30 -3.3
Proposals empty cell 1 0 0 4 4 0.0
Greater Sudbury Ont. 0 0 2 -100.0 3 6 -50.0
Bankruptcies empty cell 0 0 1 -100.0 3 4 -25.0
Proposals empty cell 0 0 1 -100.0 0 2 -100.0
Thunder Bay Ont. 4 2 2 100.0 100.0 15 15 0.0
Bankruptcies empty cell 3 1 2 200.0 50.0 10 15 -33.3
Proposals empty cell 1 1 0 0.0 5 0
Winnipeg Man. 5 2 4 150.0 25.0 30 24 25.0
Bankruptcies empty cell 5 1 4 400.0 25.0 26 21 23.8
Proposals empty cell 0 1 0 -100.0 4 3 33.3
Regina Sask. 2 8 12 -75.0 -83.3 27 34 -20.6
Bankruptcies empty cell 0 4 11 -100.0 -100.0 17 25 -32.0
Proposals empty cell 2 4 1 -50.0 100.0 10 9 11.1
Saskatoon Sask. 5 4 2 25.0 150.0 23 33 -30.3
Bankruptcies empty cell 5 3 2 66.7 150.0 20 26 -23.1
Proposals empty cell 0 1 0 -100.0 3 7 -57.1
Calgary Alta. 17 27 32 -37.0 -46.9 107 118 -9.3
Bankruptcies empty cell 13 24 26 -45.8 -50.0 89 92 -3.3
Proposals empty cell 4 3 6 33.3 -33.3 18 26 -30.8
Edmonton Alta. 14 25 24 -44.0 -41.7 88 99 -11.1
Bankruptcies empty cell 11 16 19 -31.3 -42.1 66 80 -17.5
Proposals empty cell 3 9 5 -66.7 -40.0 22 19 15.8
Kelowna B.C. 9 6 6 50.0 50.0 26 23 13.0
Bankruptcies empty cell 5 5 5 0.0 0.0 17 18 -5.6
Proposals empty cell 4 1 1 300.0 300.0 9 5 80.0
Abbotsford B.C. 2 1 2 100.0 0.0 8 6 33.3
Bankruptcies empty cell 1 1 2 0.0 -50.0 4 6 -33.3
Proposals empty cell 1 0 0 4 0
Vancouver B.C. 38 22 28 72.7 35.7 118 113 4.4
Bankruptcies empty cell 27 18 21 50.0 28.6 92 83 10.8
Proposals empty cell 11 4 7 175.0 57.1 26 30 -13.3
Victoria B.C. 3 4 6 -25.0 -50.0 18 32 -43.8
Bankruptcies empty cell 2 2 4 0.0 -50.0 10 28 -64.3
Proposals empty cell 1 2 2 -50.0 -50.0 8 4 100.0
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