SUPPLEMENTAL INFORMATION TABLE 8 Average Assets, Liabilities and Interest Rates (teb)  ($ millions, except as noted) 2002 2001 2000 Aver age Interest Average Interest Average Interest Average inter e st income/ Average interest income/ Average interest income/ For the year ended October 31 balances rate (%) expense balances rate (%) expense balances rate (%) expense Assets Canadian Dollars Deposits with other banks 2,377 2.81 68 2,165 4.74 104 2,272 5.50 125 Securities 23,441 3.49 817 20,308 5.41 1,098 19,972 5.98 1,194 Loans Residential mortgages 39,710 5.60 2,222 35,512 6.50 2,307 35,247 6.48 2,283 Non-residential mortgages 2,272 6.69 151 2,167 7.18 155 2,142 7.22 155 Consumer instalment and other personal 14,582 5.91 861 14,159 8.01 1,134 14,061 8.42 1,184 Credit card  1,635 10.42 170 1,443 10.03 145 1,251 9.98 125 Businesses and governments (a) 27,509 4.52 1,244 27,908 6.58 1,836 26,270 6.92 1,817 Total loans 85,708 5.42 4,648 81,189 6.87 5,577 78,971 7.05 5,564 Other non-interest bearing assets 15,789 9,595 14,477 Total Canadian dollars 127,315 4.35 5,533 113,257 5.99 6,779 115,692 5.95 6,883 U.S. Dollar and Other Currencies Deposits with other banks 13,244 3.29 436 15,583 5.07 790 17,792 5.17 920 Securities 19,902 4.54 903 23,826 6.13 1,460 26,722 6.71 1,793 Loans Residential mortgages 5,307 6.12 325 4,709 6.70 316 3,726 6.71 251 Non-residential mortgages 1,977 6.82 135 1,675 8.00 134 1,391 8.11 113 Consumer instalment and other personal  5,507 6.19 341 4,231 8.13 344 3,352 8.45 283 Credit card  55 3.49 2 35 4.75 2 28 4.65 1 Businesses and governments (a) 41,153 3.81 1,565 47,093 7.04 3,317 47,871 8.76 4,193 Total loans 53,999 4.39 2,368 57,743 7.12 4,113 56,368 8.59 4,841 Other non-interest bearing assets 33,530 32,839 18,370 Total U.S. dollar and other currencies 120,675 3.07 3,707 129,991 4.89 6,363 119,252 6.33 7,554 Total All Currencies Total assets and interest income 247,990 3.73 9,240 243,248 5.40 13,142 234,944 6.15 14,437 Liabilities Canadian Dollars Deposits Banks 1,455 1.18 17 1,809 3.88 72 2,364 4.09 96 Businesses and governments 34,955 0.77 268 31,483 3.84 1,210 31,432 4.02 1,264 Individuals 50,180 2.62 1,317 46,439 3.49 1,620 45,697 3.62 1,652 Total deposits 86,590 1.85 1,602 79,731 3.64 2,902 79,493 3.79 3,012 Subordinated debt and other interest bearing liabilities 15,665 4.10 643 14,242 5.14 733 12,470 5.95 743 Other non-interest bearing liabilities 14,038 8,050 12,682 Total Canadian dollars 116,293 1.93 2,245 102,023 3.56 3,635 104,645 3.59 3,755 U.S. Dollar and Other Currencies Deposits Banks 15,583 2.17 338 21,448 4.90 1,051 26,679 5.66 1,511 Businesses and governments 33,752 2.20 742 35,663 4.27 1,522 36,863 5.96 2,197 Individuals 20,464 2.20 451 18,442 3.84 708 16,409 4.30 706 Total deposits 69,799 2.19 1,531 75,553 4.34 3,281 79,951 5.52 4,414 Subordinated debt and other interest bearing liabilities 21,782 2.43 529 25,843 6.13 1,585 26,360 7.32 1,930 Other non-interest bearing liabilities 28,686 28,285 12,574 Total U.S. dollar and other currencies 120,267 1.71 2,060 129,681 3.75 4,866 118,885 5.34 6,344 Total All Currencies Total liabilities and interest expense  236,560 1.82 4,305 231,704 3.67 8,501 223,530 4.52 10,099 ShareholdersGLYPH<213> equity  11,430 11,544 11,414 Total liabilities, interest expense and shareholdersGLYPH<213> equity 247,990 1.74 4,305 243,248 3.49 8,501 234,944 4.30 10,099 Net interest margin and net interest income 1.99 4,935 1.91 4,641 1.85 4,338 (a) Includes securities purchased under resale agreements. 56 BMO FINANCIAL GROUP ANNUAL REPORT 2002