TABLE 3 Profitability and Growth Statistics  ($ millions, except as no ted) TABLE 4 Summary Balance Sheet  ($ millions) TABLE 5 Liquid Assets  ($ millions, except as noted) (a) Includes liquid assets pledged as collateral for securities sold but not yet purchased, securities sold under repurchase agreements and other secured liabilities. (b) Prior year comparatives have been restated. Amounts previously disclosed represented total pledged assets. NA — not available As at October 31 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 Canadian Dollar Liquid Assets Deposits with other banks 1,892 1,535 1,814 843 1,080 3,110 2,839 3,002 2,790 1,762 Other cash resources 2,178 1,296 782 817 745 702 631 17 651 734 Securities 23,471 16,398 20,846 15,942 17,216 22,442 22,651 21,245 16,915 16,436 Total Canadian dollar liquid assets 27,541 19,229 23,442 17,602 19,041 26,254 26,121 24,264 20,356 18,932 U.S. Dollar and Other Currencies Liquid Assets Deposits with other banks 14,445 13,431 15,125 21,279 16,334 26,946 18,606 16,418 11,029 8,476 Other cash resources 790 1,394 787 1,097 1,571 1,487 2,111 880 189 1,109 Securities 20,244 21,278 25,617 27,331 26,249 19,347 13,958 11,774 9,620 6,892 Total U.S. dollar and other currencies liquid assets 35,479 36,103 41,529 49,707 44,154 47,780 34,675 29,072 20,838 16,477 Total liquid assets (a) 63,020 55,332 64,971 67,309 63,195 74,034 60,796 53,336 41,194 35,409 Total liquid assets-to-total assets (%) 24.9 23.1 27.8 29.2 28.4 35.6 35.8 35.1 29.8 30.3 Pledged assets included in total liquid assets (a)(b) 18,858 16,106 17,553 15,518 NA NA NA NA NA NA BMO FINANCIAL GROUP ANNUAL REPORT 2002 53 For the year ended October 31 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 Net income 1,417 1,471 1,857 1,382 1,350 1,305 1,168 986 825 709 Preferred dividends 79 80 101 117 112 83 69 69 69 68 Net income available to common shareholders 1,338 1,391 1,756 1,265 1,238 1,222 1,099 917 756 641 Average common shareholdersGLYPH<213> equity 9,973 10,100 9,745 8,976 8,128 7,165 6,457 5,937 5,088 4,564 Return on equity (%) 13.4 13.8 18.0 14.1 15.2 17.1 17.0 15.4 14.9 14.1 Excluding non-recurring items (%) 13.8 12.9 16.1 15.1 15.2 17.7 17.2 16.0 15.8 14.1 Cash return on equity (%) 14.2 14.8 18.8 14.8 16.1 18.0 17.9 16.4 15.5 14.8 Excluding non-recurring items (%) 14.6 13.9 16.9 15.9 16.1 18.6 18.2 17.0 16.4 14.8 Return on average assets (%) 0.57 0.60 0.79 0.61 0.59 0.66 0.74 0.68 0.68 0.63 Excluding non-recurring items (%) 0.59 0.57 0.71 0.65 0.59 0.69 0.75 0.71 0.71 0.63 Return on average assets available  to common shareholders (%) 0.54 0.57 0.75 0.56 0.54 0.62 0.69 0.64 0.62 0.57 Excluding non-recurring items (%) 0.56 0.53 0.67 0.60 0.54 0.64 0.70 0.66 0.66 0.57 As at October 31 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 Assets Cash resources 19,305 17,656 18,508 24,036 19,730 32,245 24,187 20,317 14,659 12,081 Securities 43,715 37,676 46,463 43,273 43,465 41,789 36,609 33,019 26,535 23,328 Loans (net) 142,695 136,829 133,817 138,001 129,691 114,918 98,413 88,442 88,634 74,028 CustomersGLYPH<213> liability under acceptances 6,901 7,936 8,630 6,753 6,944 5,594 4,397 4,469 3,430 3,555 Other assets 40,248 39,312 25,978 18,552 22,760 13,292 6,226 5,587 4,917 3,877 Total assets 252,864 239,409 233,396 230,615 222,590 207,838 169,832 151,834 138,175 116,869 Liabilities and ShareholdersGLYPH<213> Equity Deposits 161,838 154,290 156,697 156,874 143,983 144,212 119,262 109,605 98,241 87,859 Other liabilities 75,338 69,763 59,847 58,048 63,208 50,892 39,670 32,602 31,178 20,961 Subordinated debt 3,794 4,674 4,911 4,712 4,791 3,831 3,314 2,595 2,218 2,363 Share capital Preferred 1,517 1,050 1,681 1,668 1,958 1,274 857 858 860 852 Common 3,459 3,375 3,173 3,190 3,095 3,019 2,989 3,002 3,002 2,632 Retained earnings 6,918 6,257 7,087 6,123 5,555 4,610 3,740 3,172 2,676 2,202 Total liabilities and shareholdersGLYPH<213> equity 252,864 239,409 233,396 230,615 222,590 207,838 169,832 151,834 138,175 116,869 Average Daily Balances Net loans  139,707 138,932 135,339 135,596 130,686 113,136 94,598 87,028 77,292 73,918 Assets  247,990 243,248 234,944 226,714 227,450 196,721 158,316 144,115 122,234 113,387