Bank of Montreal 2007 Annual Report Download - page 86

Supplemental Information
Supplemental Information
82 BMO Financial Group 190th Annual Report 2007
Table 9 • Average Assets, Liabilities and Interest Rates (teb) ($ millions, except as noted)
2007 2006 2005
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 3,469 4.22 146 3,035 3.86 117 1,907 2.67 51
Securities 42,252 3.77 1,594 30,819 3.57 1,101 29,638 3.83 1,136
Loans
Residential mortgages 54,735 5.14 2,812 56,556 4.95 2,802 51,954 4.58 2,379
Non-residential mortgages 2,832 5.99 170 2,618 5.92 155 2,483 5.80 144
Consumer instalment and other personal 21,972 6.80 1,495 19,305 6.34 1,224 17,494 5.49 960
Credit cards 3,831 11.61 445 4,591 11.20 514 4,244 10.79 458
Businesses and governments (1) 51,519 4.96 2,558 46,305 4.57 2,118 43,248 3.63 1,570
Total loans 134,889 5.55 7,480 129,375 5.27 6,813 119,423 4.61 5,511
Other non-interest bearing assets 45,648 44,016 46,615
Total Canadian dollar 226,258 4.08 9,220 207,245 3.88 8,031 197,583 3.39 6,698
U.S. Dollar and Other Currencies
Deposits with other banks 20,661 4.75 982 16,378 3.98 652 16,555 3.35 555
Securities 41,206 4.22 1,740 30,077 3.94 1,184 28,789 2.82 813
Loans
Residential mortgages 6,635 5.17 343 6,259 4.89 306 6,092 4.65 283
Non-residential mortgages 3,107 6.47 201 2,708 6.31 171 2,521 5.91 149
Consumer instalment and other personal 9,921 6.43 638 9,522 5.90 562 8,679 4.87 423
Credit cards 25 4.00 1 36 2.78 1 21 4.76 1
Businesses and governments (1) 40,070 7.22 2,893 31,065 6.86 2,132 27,277 4.99 1,362
Total loans 59,758 6.82 4,076 49,590 6.40 3,172 44,590 4.97 2,218
Other non-interest bearing assets 12,692 5,841 8,985
Total U.S. dollar and other currencies 134,317 5.06 6,798 101,886 4.92 5,008 98,919 3.63 3,586
Total All Currencies
Total assets and interest income 360,575 4.44 16,018 309,131 4.22 13,039 296,502 3.47 10,284
Liabilities
Canadian Dollar
Deposits
Banks 2,650 3.43 91 2,965 2.83 84 2,753 2.00 55
Businesses and governments 60,653 3.27 1,984 56,168 2.27 1,274 49,975 1.05 524
Individuals 59,375 2.52 1,495 58,184 2.27 1,319 57,471 2.07 1,192
Total deposits 122,678 2.91 3,570 117,317 2.28 2,677 110,199 1.61 1,771
Subordinated debt and other interest bearing liabilities 41,285 4.01 1,655 35,090 3.80 1,333 32,434 3.42 1,110
Other non-interest bearing liabilities 47,233 40,900 42,173
Total Canadian dollar 211,196 2.47 5,225 193,307 2.07 4,010 184,806 1.56 2,881
U.S. Dollar and Other Currencies
Deposits
Banks 29,676 4.97 1,475 23,028 4.48 1,031 21,974 2.93 644
Businesses and governments 54,223 4.23 2,295 39,629 4.03 1,596 36,365 2.71 984
Individuals 17,799 3.18 565 17,245 2.55 439 18,149 1.68 304
Total deposits 101,698 4.26 4,335 79,902 3.84 3,066 76,488 2.53 1,932
Subordinated debt and other interest bearing liabilities 23,939 5.99 1,435 18,062 6.05 1,092 16,316 3.46 565
Other non-interest bearing liabilities 8,351 3,582 5,747
Total U.S. dollar and other currencies 133,988 4.31 5,770 101,546 4.10 4,158 98,551 2.53 2,497
Total All Currencies
Total liabilities and interest expense 345,184 3.19 10,995 294,853 2.77 8,168 283,357 1.90 5,378
Shareholders’ equity 15,391 14,278 13,145
Total Liabilities, Interest Expense and Shareholders’ Equity 360,575 3.05 10,995 309,131 2.64 8,168 296,502 1.81 5,378
Net interest margin
–based on earning assets 1.65 1.86 2.02
–based on total assets 1.39 1.58 1.65
Net interest income 5,023 4,871 4,906
(1) Includes securities purchased under resale agreements.