Bank of Montreal 2010 Annual Report Download - page 102

SUPPLEMENTAL INFORMATION
Supplemental Information
100 BMO Financial Group 193rd Annual Report 2010
Table 9: Average Assets, Liabilities and Interest Rates ($ millions, except as noted)
2010 2009 2008
Average Interest Average Interest Average Interest
Average interest income/ Average interest income/ Average interest income/
For the year ended October 31 balances rate (%) expense balances rate (%) expense balances rate (%) expense
Assets
Canadian Dollar
Deposits with other banks 518 0.71 4 823 1.25 10 2,059 4.02 83
Securities 76,285 1.93 1,476 66,347 2.49 1,651 55,114 3.58 1,971
Securities borrowed or purchased under resale agreements 11,116 0.22 24 15,773 0.78 123 20,548 2.94 604
Loans
Residential mortgages 41,465 3.88 1,609 41,586 3.65 1,519 45,926 4.99 2,294
Non-residential mortgages 3,771 5.02 189 3,304 5.28 174 3,200 5.78 185
Consumer instalment and other personal 37,719 4.00 1,507 32,729 4.12 1,349 27,891 5.74 1,601
Credit cards 2,729 12.12 331 2,067 12.69 262 4,162 12.00 499
Businesses and governments 30,153 5.55 1,673 30,358 5.98 1,815 30,702 5.69 1,747
Total loans 115,837 4.58 5,309 110,044 4.65 5,119 111,881 5.65 6,326
Other non-interest bearing assets 78,864 64,989 35,752
Total Canadian dollar 282,620 2.41 6,813 257,976 2.68 6,903 225,354 3.99 8,984
U.S. Dollar and Other Currencies
Deposits with other banks 15,056 0.46 70 16,487 1.07 176 20,985 4.04 847
Securities 44,159 1.49 658 41,627 1.86 776 35,959 3.39 1,220
Securities borrowed or purchased under resale agreements 17,279 0.50 86 24,759 0.49 121 25,019 3.06 767
Loans
Residential mortgages 5,476 4.95 271 7,430 5.25 390 6,816 5.39 367
Non-residential mortgages 3,417 5.59 191 3,772 5.88 222 3,622 6.18 224
Consumer instalment and other personal 10,294 4.32 444 11,657 4.70 548 10,035 5.79 581
Credit cards 293 3.07 9 63 11.48 7 36 10.23 4
Businesses and governments 28,822 3.25 936 39,291 3.64 1,430 31,844 5.47 1,741
Total loans 48,302 3.83 1,851 62,213 4.18 2,597 52,353 5.57 2,917
Other non-interest bearing assets (8,942) 35,486 37,939
Total U.S. dollar and other currencies 115,854 2.30 2,665 180,572 2.03 3,670 172,255 3.34 5,751
Total All Currencies
Total assets and interest income 398,474 2.37 9,478 438,548 2.41 10,573 397,609 3.71 14,735
Liabilities
Canadian Dollar
Deposits
Banks 2,846 (0.27) (8) 3,525 0.16 6 2,641 1.94 51
Businesses and governments 66,088 1.28 848 61,513 2.08 1,278 64,881 3.43 2,227
Individuals 78,209 1.32 1,032 76,676 1.77 1,355 65,586 2.27 1,491
Total deposits 147,143 1.27 1,872 141,714 1.86 2,639 133,108 2.83 3,769
Subordinated debt and other interest bearing liabilities 42,444 1.32 561 39,587 1.98 785 38,276 3.62 1,387
Other non-interest bearing liabilities 72,795 57,963 38,220
Total Canadian dollar 262,382 0.93 2,433 239,264 1.43 3,424 209,604 2.46 5,156
U.S. Dollar and Other Currencies
Deposits
Banks 19,106 1.26 241 23,589 1.59 374 31,975 3.88 1,242
Businesses and governments 55,715 0.19 106 65,298 1.06 691 64,783 2.91 1,882
Individuals 19,999 0.71 142 21,964 1.53 337 18,373 2.44 448
Total deposits 94,820 0.52 489 110,851 1.26 1,402 115,131 3.10 3,572
Other interest bearing liabilities 30,311 1.06 321 35,918 0.49 177 31,076 3.01 935
Other non-interest bearing liabilities (9,590) 33,453 25,738
Total U.S. dollar and other currencies 115,541 0.70 810 180,222 0.88 1,579 171,945 2.62 4,507
Total All Currencies
Total liabilities and interest expense 377,923 0.86 3,243 419,486 1.19 5,003 381,549 2.53 9,663
Shareholders’ equity 20,551 19,062 16,060
Total Liabilities, Interest Expense and
Shareholders’ Equity 398,474 0.81 3,243 438,548 1.14 5,003 397,609 2.43 9,663
Net interest margin
– based on earning assets 1.88 1.63 1.55
– based on total assets 1.56 1.27 1.28
Net interest income based on total assets 6,235 5,570 5,072