Bank of Montreal 2013 Annual Report Download - page 99

Supplemental Information
SUPPLEMENTAL INFORMATION
Table 9: Average Assets, Liabilities and Interest Rates ($ millions, except as noted)
2013 2012 2011
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 2,466 1.28 32 2,418 1.22 30 2,650 0.84 22
Securities 82,592 1.82 1,503 80,683 1.84 1,486 73,622 1.90 1,393
Securities borrowed or purchased under resale agreements 22,309 0.54 121 20,898 1.11 232 14,409 1.08 156
Loans
Residential mortgages 83,625 3.18 2,656 73,538 3.41 2,509 70,144 4.15 2,912
Non-residential mortgages 4,354 4.33 189 4,026 4.72 190 3,992 5.05 202
Consumer instalment and other personal 47,840 4.00 1,913 46,113 4.05 1,868 42,858 4.18 1,793
Credit cards 7,004 11.64 815 7,104 11.58 823 7,109 11.72 833
Businesses and governments 37,337 4.68 1,749 34,055 5.19 1,766 31,968 5.85 1,870
Total loans 180,160 4.06 7,322 164,836 4.34 7,156 156,071 4.87 7,610
Total Canadian dollar 287,527 3.12 8,978 268,835 3.31 8,904 246,752 3.72 9,181
U.S. Dollar and Other Currencies
Deposits with other banks 35,093 0.61 213 38,666 0.54 209 29,993 0.41 123
Securities 48,488 1.32 640 47,840 1.63 779 44,969 1.74 783
Securities borrowed or purchased under resale agreements 32,578 0.17 57 27,907 0.32 89 22,890 0.54 124
Loans
Residential mortgages 8,762 4.37 383 9,739 4.66 454 5,833 6.22 363
Non-residential mortgages 5,142 3.23 167 4,782 8.88 425 4,249 6.27 267
Consumer instalment and other personal 14,286 3.43 490 13,800 4.59 633 11,056 4.15 458
Credit cards 575 7.55 43 570 7.25 41 411 4.65 19
Businesses and governments 48,372 4.47 2,162 44,710 4.72 2,111 30,632 3.94 1,206
Total loans 77,137 4.21 3,245 73,601 4.98 3,664 52,181 4.43 2,313
Total U.S. dollar and other currencies 193,296 2.15 4,155 188,014 2.52 4,741 150,033 2.23 3,343
Other non-interest bearing assets 74,859 87,415 73,149
Total All Currencies
Total assets and interest income 555,682 2.36 13,133 544,264 2.51 13,645 469,934 2.67 12,524
Liabilities
Canadian Dollar
Deposits
Banks 5,921 0.34 20 4,233 0.34 14 3,137 0.34 11
Businesses and governments 87,071 1.44 1,257 76,139 1.51 1,147 70,096 1.79 1,251
Individuals 82,258 0.96 789 81,031 1.00 808 78,357 1.13 885
Total deposits 175,250 1.18 2,066 161,403 1.22 1,969 151,590 1.42 2,147
Securities sold but not yet purchased 20,106 2.43 489 20,203 2.19 442 16,309 2.61 425
Securities lent or sold under repurchase agreements (1) 15,971 1.37 219 24,011 1.02 244 20,181 1.22 246
Subordinated debt and other interest bearing liabilities 29,270 3.43 1,004 35,635 3.37 1,202 38,664 3.44 1,329
Total Canadian dollar 240,597 1.57 3,778 241,252 1.60 3,857 226,744 1.83 4,147
U.S. Dollar and Other Currencies
Deposits
Banks 17,135 0.33 56 17,131 0.34 58 18,144 0.48 87
Businesses and governments 123,139 0.32 392 102,380 0.37 384 74,842 0.42 311
Individuals 40,684 0.29 119 40,503 0.41 167 27,183 0.54 148
Total deposits 180,958 0.31 567 160,014 0.38 609 120,169 0.45 546
Securities sold but not yet purchased 5,490 1.31 72 6,063 2.18 132 4,891 2.76 135
Securities lent or sold under repurchase agreements (1) 27,996 0.10 27 27,272 0.14 38 26,596 0.11 29
Subordinated debt and other interest bearing liabilities 4,325 3.32 144 3,830 5.26 201 3,323 5.80 193
Total U.S. dollar and other currencies 218,769 0.37 810 197,179 0.50 980 154,979 0.58 903
Other non-interest bearing liabilities 66,790 78,134 66,467
Total All Currencies
Total liabilities and interest expense 526,156 0.87 4,588 516,565 0.94 4,837 448,190 1.13 5,050
Shareholders’ equity 29,526 27,699 21,744
Total Liabilities, Interest Expense and Shareholders’ Equity 555,682 0.83 4,588 544,264 0.89 4,837 469,934 1.07 5,050
Net interest margin
– based on earning assets 1.77 1.91 1.85
– based on total assets 1.54 1.62 1.59
Net interest income based on total assets 8,545 8,808 7,474
Adjusted net interest margin
– based on earning assets 1.63 1.74 1.79
– based on total assets 1.42 1.48 1.54
Adjusted net interest income based on total assets 7,888 8,029 7,248
(1) For the years ended October 31, 2013, 2012 and 2011, the maximum amount of securities lent or sold under repurchase agreements at any month end amounted to $53,898 million, $62,038 million
and $51,109 million, respectively.
(2) Comparative periods have been reclassified to conform with the current year’s presentation.
110 BMO Financial Group 196th Annual Report 2013