Oct. 31 July 31 A pril 30 Jan. 31 Oct. 31 July 31 April 30 Jan. 31 2002 2002 2002 2002 2001 2001 2001 2001 2002 2001 2000 Net interest income (teb) 1,230 1,217 1,200 1,288 1,201 1,231 1,092 1,117 4,935 4,641 4,338 Non-interest revenue 1,059 926 1,022 917 750 1,003 1,393 1,076 3,924 4,222 4,326 Total revenue (teb) 2,289 2,143 2,222 2,205 1,951 2,234 2,485 2,193 8,859 8,863 8,664 Provision for credit losses 160 160 320 180 546 117 217 100 820 980 358 Non-interest expense 1,604 1,488 1,476 1,462 1,449 1,421 1,404 1,397 6,030 5,671 5,258 Income before provision for income taxes,  non-controlling interest in subsidiaries and goodwill 525 495 426 563 (44) 696 864 696 2,009 2,212 3,048 Provision for income taxes (teb) 110 135 110 175 (77) 227 233 260 530 643 1,123 Non-controlling interest in subsidiaries 17 14 15 16 14 11 10 7 62 42 19 Amortization of goodwill, net of applicable income tax — — — — 15 14 14 13 — 56 49 Net income 398 346 301 372 4 444 607 416 1,417 1,471 1,857 Amortization of goodwill and intangible assets,  net of income taxes 22 22 15 16 27 25 25 24 75 101 74 Cash net income 420 368 316 388 31 469 632 440 1,492 1,572 1,931 Taxable equivalent adjustment (teb) 24 26 29 27 32 44 32 34 106 142 134 Reported revenue 2,265 2,117 2,193 2,178 1,919 2,190 2,453 2,159 8,753 8,721 8,530 TABLE 25 Summarized Statement of Income  ($ millions) TABLE 26 Non-Recurring Items  ($ millions) TABLE 27 Summarized Statement of Income Excluding No n-Recurring Items  ($ millions) BMO FINANCIAL GROUP ANNUAL REPORT 2002 65 Oct. 31 July 31 A pril 30 Jan. 31 Oct. 31 July 31 April 30 Jan. 31 2002 2002 2002 2002 2001 2001 2001 2001 2002 2001 2000 Non-Interest Revenue Gain on sale of Partners First  — — — — — — — — — — 112 Gain on sale of U.S. Corporate Trust — — — — — — — — — — 74 Gain on sales of branches — — — — — — 5 7 — 12 40 Gain on sale of Bancomer — — — — — — 284 37 — 321 — Write-down of equity investments in CBOs — — — — (178) — — — — (178) — Total non-interest revenue — — — — (178) — 289 44 — 155 226 Provision for Credit Losses Reversal of loss provision on sale of LDC securities — — — — — — — — — — (42) Increase of general allowance — — — — — — 100 — — 100 — Total provision for credit losses — — — — — — 100 — — 100 (42) Non-Interest Expense Reversal of restructuring charge — — — — — — — — — — (43) Acquisition-related costs 39 23 — — — — — — 62 — — Total non-interest expense 39 23 — — — — — — 62 — (43) Pre-tax impact of non-recurring items (39) (23) — — (178) — 189 44 (62) 55 311 Income taxes thereon (14) (9) — — (73) — 4 6 (23) (63) 126 Adjustment of future tax assets — — — — — — — 25 — 25 — After-tax non-recurring items (25) (14) — — (105) — 185 13 (39) 93 185 Oct. 31 July 31 A pril 30 Jan. 31 Oct. 31 July 31 April 30 Jan. 31 2002 2002 2002 2002 2001 2001 2001 2001 2002 2001 2000 Net interest income (teb) 1,230 1,217 1,200 1,288 1,201 1,231 1,092 1,117 4,935 4,641 4,338 Non-interest revenue 1,059 926 1,022 917 928 1,003 1,104 1,032 3,924 4,067 4,100 Total revenue (teb) 2,289 2,143 2,222 2,205 2,129 2,234 2,196 2,149 8,859 8,708 8,438 Provision for credit losses 160 160 320 180 546 117 117 100 820 880 400 Non-interest expense 1,565 1,465 1,476 1,462 1,449 1,421 1,404 1,397 5,968 5,671 5,301 Income before provision for income taxes,  non-controlling interest in subsidiaries and goodwill 564 518 426 563 134 696 675 652 2,071 2,157 2,737 Provision for income taxes (teb) 124 144 110 175 (4) 227 229 229 553 681 997 Non-controlling interest in subsidiaries 17 14 15 16 14 11 10 7 62 42 19 Amortization of goodwill, net of applicable income tax — — — — 15 14 14 13 — 56 49 Net income 423 360 301 372 109 444 422 403 1,456 1,378 1,672 Amortization of goodwill and intangible assets,  net of income taxes 22 22 15 16 27 25 25 24 75 101 74 Cash net income 445 382 316 388 136 469 447 427 1,531 1,479 1,746