Bank of Montreal 2010 Annual Report Download - page 105

Supplemental Information
BMO Financial Group 193rd Annual Report 2010 103
Total
2010 2009 2008 2007 2006
46,463 43,076 46,576 49,390 60,347
3,308 2,574 2,120 4,493 3,631
51,112 45,773 43,735 33,188 30,417
100,883 91,423 92,431 87,071 94,395
77,057 77,712 95,852 77,922 66,075
177,940 169,135 188,283 164,993 160,470
(1,297) (1,306) (1,321) (898) (905)
176,643 167,829 186,962 164,095 159,565
Total
2010 2009 2008 2007 2006
227 236 211 112 110
410 291 180 54 47
637 527 391 166 157
2,003 2,174 1,570 397 356
2,640 2,701 1,961 563 513
(1,297) (1,306) (1,321) (898) (905)
1,343 1,395 640 (335) (392)
13.55 14.92 12.15 4.40 4.13
0.76 0.83 0.34 (0.20) (0.25)
0.63 0.58 0.42 0.19 0.17
2.60 2.80 1.64 0.51 0.54
Table 13: Net Loans and Acceptances –
Segmented Information ($ millions)
As at October 31 2010 2009 2008 2007 2006
Net Loans and Acceptances by Province (4)
Atlantic provinces 8,476 7,227 7,127 5,314 5,256
Quebec 22,194 19,396 21,346 13,110 14,254
Ontario 54,056 50,079 49,996 71,160 68,879
Prairie provinces 25,159 22,877 24,378 19,002 16,696
British Columbia and territories 24,427 21,269 21,541 15,290 15,403
Total net loans and acceptances in Canada 134,312 120,848 124,388 123,876 120,488
Net Commercial and Corporate Loans by Industry
Commercial mortgages (5) 10,253 9,284 10,121 8,994 8,505
Commercial real estate 6,796 6,648 8,300 6,532 5,830
Construction (non-real estate) 1,802 1,795 1,857 1,425 1,102
Retail trade 5,751 4,864 5,269 4,398 3,842
Wholesale trade 3,174 2,854 3,849 3,200 3,025
Agriculture 3,839 3,505 3,769 3,471 3,211
Communications 932 1,041 1,404 1,218 1,547
Manufacturing 6,220 7,006 9,290 7,238 7,733
Mining 266 1,049 3,256 1,522 510
Oil and gas 3,678 4,280 6,199 5,474 5,230
Transportation 1,286 1,386 1,788 1,467 1,322
Utilities 1,101 1,197 1,591 977 985
Forest products 405 696 875 767 692
Service industries 8,605 8,879 9,613 8,307 6,904
Financial institutions 17,318 17,867 23,710 16,393 9,595
Government (6) 580 601 865 un un
Other 5,051 4,760 4,096 6,539 6,042
77,057 77,712 95,852 77,922 66,075
Table 14: Net Impaired Loans and Acceptances –
Segmented Information ($ millions)
As at October 31 2010 2009 2008 2007 2006
Net Impaired Commercial and Corporate Loans
Commercial mortgages (5) 564 510 38 43 31
Commercial real estate 600 542 460 96 8
Construction (non-real estate) 66 9 15 5 7
Retail trade 58 40 41 9 21
Wholesale trade 29 48 51 24 18
Agriculture 44 100 73 18 22
Communications 1 – – – 88
Manufacturing 118 252 275 80 98
Mining – – – – –
Oil and gas 10 44 47 – 1
Transportation 28 42 27 15 8
Utilities 2 – 1 – –
Forest products 71 63 16 5 4
Service industries 125 142 93 58 36
Financial institutions 232 363 244 23 4
Government (6) 2 – 3 un un
Other 53 19 186 21 10
2,003 2,174 1,570 397 356
Table 15: Changes in Impaired Loans and
Allowance for Credit Losses ($ millions)
As at October 31 2010 2009 2008 2007 2006
Gross impaired loans and acceptances, beginning of year 3,297 2,387 720 666 804
Additions to impaired loans and acceptances 1,525 2,690 2,506 588 420
Additions to impaired loans and acceptances
due to acquisitions (7) 327 – – – –
Reductions in impaired loans and acceptances (8) (712) (288) 131 (143) (220)
Write-offs (1,216) (1,492) (970) (391) (338)
Gross Impaired Loans and Acceptances, End of Year 3,221 3,297 2,387 720 666
Allowance for credit losses, beginning of year 1,902 1,747 1,055 1,058 1,128
Increases – specific allowances 1,201 1,662 1,239 395 322
Change in the general allowance (9) (15) 423 (7) (54)
Write-offs (1,216) (1,492) (970) (391) (338)
Allowance for Credit Losses, End of Year (9) 1,878 1,902 1,747 1,055 1,058