401k Plan data: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS plan

EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 401k Plan overview

Plan Name	EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS
Plan identification number	001

EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

BMO HARRIS BANK N.A. has sponsored the creation of one or more 401k plans.

Company Name: BMO HARRIS BANK N.A.

Employer identification number (EIN): 362085229

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2016-01-01 GARY M. HANSEN
001 2015-01-01 GARY M. HANSEN
001 2014-01-01 GARY M. HANSEN
001 2013-01-01 MARY P. WESSEL
001 2012-01-01 MARY P. WESSEL
001 2011-01-01 MARY P. WESSEL
001 2010-01-01 MARY P. WESSEL
001 2009-01-01 MARY P. WESSEL MARY P. WESSEL 2010-10-13

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2016-01-01	GARY M. HANSEN
001	2015-01-01	GARY M. HANSEN
001	2014-01-01	GARY M. HANSEN
001	2013-01-01	MARY P. WESSEL
001	2012-01-01	MARY P. WESSEL
001	2011-01-01	MARY P. WESSEL
001	2010-01-01	MARY P. WESSEL
001	2009-01-01	MARY P. WESSEL	MARY P. WESSEL	2010-10-13

Plan Statistics for EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS

401k plan membership statisitcs for EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS

Measure Date Value
2016: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2016 401k membership
Total participants, beginning-of-year 2016-01-01 17,690
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 16,503
Number of retired or separated participants receiving benefits 2016-01-01 305
Number of other retired or separated participants entitled to future benefits 2016-01-01 518
Total of all active and inactive participants 2016-01-01 17,326
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 76
Total participants 2016-01-01 17,402
Number of participants with account balances 2016-01-01 17,548
2015: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2015 401k membership
Total participants, beginning-of-year 2015-01-01 17,850
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 16,889
Number of retired or separated participants receiving benefits 2015-01-01 288
Number of other retired or separated participants entitled to future benefits 2015-01-01 433
Total of all active and inactive participants 2015-01-01 17,610
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 80
Total participants 2015-01-01 17,690
Number of participants with account balances 2015-01-01 15,927
2014: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2014 401k membership
Total participants, beginning-of-year 2014-01-01 17,880
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 17,074
Number of retired or separated participants receiving benefits 2014-01-01 258
Number of other retired or separated participants entitled to future benefits 2014-01-01 442
Total of all active and inactive participants 2014-01-01 17,774
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 76
Total participants 2014-01-01 17,850
Number of participants with account balances 2014-01-01 15,150
2013: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2013 401k membership
Total participants, beginning-of-year 2013-01-01 17,969
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 17,114
Number of retired or separated participants receiving benefits 2013-01-01 252
Number of other retired or separated participants entitled to future benefits 2013-01-01 433
Total of all active and inactive participants 2013-01-01 17,799
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 81
Total participants 2013-01-01 17,880
Number of participants with account balances 2013-01-01 14,835
2012: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2012 401k membership
Total participants, beginning-of-year 2012-01-01 18,111
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 17,287
Number of retired or separated participants receiving benefits 2012-01-01 254
Number of other retired or separated participants entitled to future benefits 2012-01-01 359
Total of all active and inactive participants 2012-01-01 17,900
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 69
Total participants 2012-01-01 17,969
Number of participants with account balances 2012-01-01 14,689
2011: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2011 401k membership
Total participants, beginning-of-year 2011-01-01 8,595
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 17,486
Number of retired or separated participants receiving benefits 2011-01-01 251
Number of other retired or separated participants entitled to future benefits 2011-01-01 304
Total of all active and inactive participants 2011-01-01 18,041
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 70
Total participants 2011-01-01 18,111
Number of participants with account balances 2011-01-01 14,452
2010: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2010 401k membership
Total participants, beginning-of-year 2010-01-01 8,212
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 8,003
Number of retired or separated participants receiving benefits 2010-01-01 240
Number of other retired or separated participants entitled to future benefits 2010-01-01 283
Total of all active and inactive participants 2010-01-01 8,526
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 69
Total participants 2010-01-01 8,595
Number of participants with account balances 2010-01-01 8,436
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2009 401k membership
Total participants, beginning-of-year 2009-01-01 8,473
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 7,602
Number of retired or separated participants receiving benefits 2009-01-01 241
Number of other retired or separated participants entitled to future benefits 2009-01-01 291
Total of all active and inactive participants 2009-01-01 8,134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 63
Total participants 2009-01-01 8,197
Number of participants with account balances 2009-01-01 8,212

Measure	Date	Value
2016: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2016 401k membership
Total participants, beginning-of-year	2016-01-01	17,690
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	16,503
Number of retired or separated participants receiving benefits	2016-01-01	305
Number of other retired or separated participants entitled to future benefits	2016-01-01	518
Total of all active and inactive participants	2016-01-01	17,326
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	76
Total participants	2016-01-01	17,402
Number of participants with account balances	2016-01-01	17,548
2015: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2015 401k membership
Total participants, beginning-of-year	2015-01-01	17,850
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	16,889
Number of retired or separated participants receiving benefits	2015-01-01	288
Number of other retired or separated participants entitled to future benefits	2015-01-01	433
Total of all active and inactive participants	2015-01-01	17,610
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	80
Total participants	2015-01-01	17,690
Number of participants with account balances	2015-01-01	15,927
2014: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2014 401k membership
Total participants, beginning-of-year	2014-01-01	17,880
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	17,074
Number of retired or separated participants receiving benefits	2014-01-01	258
Number of other retired or separated participants entitled to future benefits	2014-01-01	442
Total of all active and inactive participants	2014-01-01	17,774
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	76
Total participants	2014-01-01	17,850
Number of participants with account balances	2014-01-01	15,150
2013: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2013 401k membership
Total participants, beginning-of-year	2013-01-01	17,969
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	17,114
Number of retired or separated participants receiving benefits	2013-01-01	252
Number of other retired or separated participants entitled to future benefits	2013-01-01	433
Total of all active and inactive participants	2013-01-01	17,799
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	81
Total participants	2013-01-01	17,880
Number of participants with account balances	2013-01-01	14,835
2012: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2012 401k membership
Total participants, beginning-of-year	2012-01-01	18,111
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	17,287
Number of retired or separated participants receiving benefits	2012-01-01	254
Number of other retired or separated participants entitled to future benefits	2012-01-01	359
Total of all active and inactive participants	2012-01-01	17,900
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	69
Total participants	2012-01-01	17,969
Number of participants with account balances	2012-01-01	14,689
2011: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2011 401k membership
Total participants, beginning-of-year	2011-01-01	8,595
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	17,486
Number of retired or separated participants receiving benefits	2011-01-01	251
Number of other retired or separated participants entitled to future benefits	2011-01-01	304
Total of all active and inactive participants	2011-01-01	18,041
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	70
Total participants	2011-01-01	18,111
Number of participants with account balances	2011-01-01	14,452
2010: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2010 401k membership
Total participants, beginning-of-year	2010-01-01	8,212
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	8,003
Number of retired or separated participants receiving benefits	2010-01-01	240
Number of other retired or separated participants entitled to future benefits	2010-01-01	283
Total of all active and inactive participants	2010-01-01	8,526
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	69
Total participants	2010-01-01	8,595
Number of participants with account balances	2010-01-01	8,436
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2009 401k membership
Total participants, beginning-of-year	2009-01-01	8,473
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	7,602
Number of retired or separated participants receiving benefits	2009-01-01	241
Number of other retired or separated participants entitled to future benefits	2009-01-01	291
Total of all active and inactive participants	2009-01-01	8,134
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	63
Total participants	2009-01-01	8,197
Number of participants with account balances	2009-01-01	8,212

Financial Data on EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS

Measure	Date	Value
2016 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$23,202,226
Total unrealized appreciation/depreciation of assets	2016-12-31	$23,202,226
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$105,795
Total income from all sources (including contributions)	2016-12-31	$312,330,431
Total of all expenses incurred	2016-12-31	$135,835,791
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$132,175,442
Expenses. Certain deemed distributions of participant loans	2016-12-31	$2,456,393
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$160,827,093
Value of total assets at end of year	2016-12-31	$1,662,907,671
Value of total assets at beginning of year	2016-12-31	$1,486,518,826
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$1,203,956
Total interest from all sources	2016-12-31	$813,318
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$12,341,582
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$8,532,814
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$300,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$90,456,792
Participant contributions at end of year	2016-12-31	$25,484,413
Participant contributions at beginning of year	2016-12-31	$25,218,304
Participant contributions at end of year	2016-12-31	$2,230,225
Participant contributions at beginning of year	2016-12-31	$2,157,561
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$11,541,653
Value of other receiveables (less allowance for doubtful accounts) at end of year	2016-12-31	$335,909
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$294,024
Administrative expenses (other) incurred	2016-12-31	$5,540
Liabilities. Value of operating payables at beginning of year	2016-12-31	$105,795
Total non interest bearing cash at end of year	2016-12-31	$58,028
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$176,494,640
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$1,662,907,671
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$1,486,413,031
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Investment advisory and management fees	2016-12-31	$245,881
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$411,157,300
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$452,559,682
Interest on participant loans	2016-12-31	$813,318
Value of interest in common/collective trusts at end of year	2016-12-31	$1,112,168,845
Value of interest in common/collective trusts at beginning of year	2016-12-31	$918,707,213
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$2,844,211
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$1,699,034
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$1,699,034
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$41,706,116
Net investment gain or loss from common/collective trusts	2016-12-31	$73,440,096
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$106,747,548
Assets. Invements in employer securities at beginning of year	2016-12-31	$84,098,185
Contributions received in cash from employer	2016-12-31	$58,828,648
Employer contributions (assets) at end of year	2016-12-31	$1,881,192
Employer contributions (assets) at beginning of year	2016-12-31	$1,784,823
Income. Dividends from common stock	2016-12-31	$3,808,768
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$132,175,442
Contract administrator fees	2016-12-31	$952,535
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2016-12-31	No
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2016-12-31	270475249
2015 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$-17,527,909
Total unrealized appreciation/depreciation of assets	2015-12-31	$-17,527,909
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$105,795
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$92,767
Total income from all sources (including contributions)	2015-12-31	$345,424,498
Total of all expenses incurred	2015-12-31	$140,261,663
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$136,922,783
Expenses. Certain deemed distributions of participant loans	2015-12-31	$2,059,110
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$385,825,865
Value of total assets at end of year	2015-12-31	$1,486,518,826
Value of total assets at beginning of year	2015-12-31	$1,281,342,963
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,279,770
Total interest from all sources	2015-12-31	$447,031
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$11,475,737
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$11,475,737
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$300,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$88,314,483
Participant contributions at end of year	2015-12-31	$25,218,304
Participant contributions at beginning of year	2015-12-31	$20,486,560
Participant contributions at end of year	2015-12-31	$2,157,561
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$241,293,549
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$294,024
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$80,426
Administrative expenses (other) incurred	2015-12-31	$8,802
Liabilities. Value of operating payables at end of year	2015-12-31	$105,795
Liabilities. Value of operating payables at beginning of year	2015-12-31	$92,767
Total non interest bearing cash at beginning of year	2015-12-31	$49,071
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$205,162,835
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$1,486,413,031
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$1,281,250,196
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Investment advisory and management fees	2015-12-31	$444,436
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$452,559,682
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$375,032,747
Interest on participant loans	2015-12-31	$447,031
Value of interest in common/collective trusts at end of year	2015-12-31	$918,707,213
Value of interest in common/collective trusts at beginning of year	2015-12-31	$805,452,826
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$1,699,034
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$2,348,577
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$2,348,577
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-25,566,586
Net investment gain or loss from common/collective trusts	2015-12-31	$-9,229,640
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$84,098,185
Assets. Invements in employer securities at beginning of year	2015-12-31	$77,892,756
Contributions received in cash from employer	2015-12-31	$56,217,833
Employer contributions (assets) at end of year	2015-12-31	$1,784,823
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$136,922,783
Contract administrator fees	2015-12-31	$826,532
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2015-12-31	No
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2015-12-31	270475249
2014 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$4,375,679
Total unrealized appreciation/depreciation of assets	2014-12-31	$4,375,679
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$92,767
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$1,625,559
Total income from all sources (including contributions)	2014-12-31	$214,323,935
Total of all expenses incurred	2014-12-31	$100,191,688
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$97,612,816
Expenses. Certain deemed distributions of participant loans	2014-12-31	$1,398,063
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$138,959,079
Value of total assets at end of year	2014-12-31	$1,281,342,963
Value of total assets at beginning of year	2014-12-31	$1,168,743,508
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$1,180,809
Total interest from all sources	2014-12-31	$653,614
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$8,434,742
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$8,434,742
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$300,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2014-12-31	$11,275
Contributions received from participants	2014-12-31	$80,136,220
Participant contributions at end of year	2014-12-31	$20,486,560
Participant contributions at beginning of year	2014-12-31	$18,787,680
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$7,213,028
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$80,426
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$88,886
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$1,545,179
Administrative expenses (other) incurred	2014-12-31	$16,656
Liabilities. Value of operating payables at end of year	2014-12-31	$92,767
Liabilities. Value of operating payables at beginning of year	2014-12-31	$80,380
Total non interest bearing cash at end of year	2014-12-31	$49,071
Total non interest bearing cash at beginning of year	2014-12-31	$617,297
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$114,132,247
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$1,281,250,196
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$1,167,117,949
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Investment advisory and management fees	2014-12-31	$359,575
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$375,032,747
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$382,946,168
Interest on participant loans	2014-12-31	$653,614
Value of interest in common/collective trusts at end of year	2014-12-31	$805,452,826
Value of interest in common/collective trusts at beginning of year	2014-12-31	$580,905,111
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$2,348,577
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$117,395,367
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$117,395,367
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$4,761,039
Net investment gain or loss from common/collective trusts	2014-12-31	$57,139,782
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$77,892,756
Assets. Invements in employer securities at beginning of year	2014-12-31	$68,002,999
Contributions received in cash from employer	2014-12-31	$51,609,831
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$97,612,816
Contract administrator fees	2014-12-31	$804,578
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2014-12-31	No
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2014-12-31	270475249
2013 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$5,476,049
Total unrealized appreciation/depreciation of assets	2013-12-31	$5,476,049
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$1,625,559
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$82,164
Total income from all sources (including contributions)	2013-12-31	$313,196,770
Total of all expenses incurred	2013-12-31	$94,351,346
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$92,112,304
Expenses. Certain deemed distributions of participant loans	2013-12-31	$1,139,131
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$136,333,600
Value of total assets at end of year	2013-12-31	$1,168,743,508
Value of total assets at beginning of year	2013-12-31	$948,354,689
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$1,099,911
Total interest from all sources	2013-12-31	$529,427
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$8,153,166
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$8,153,166
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$300,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2013-12-31	$9,876
Contributions received from participants	2013-12-31	$79,040,182
Participant contributions at end of year	2013-12-31	$18,787,680
Participant contributions at beginning of year	2013-12-31	$16,340,030
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$6,182,227
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$88,886
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$312,502
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$1,545,179
Liabilities. Value of operating payables at end of year	2013-12-31	$80,380
Liabilities. Value of operating payables at beginning of year	2013-12-31	$82,164
Total non interest bearing cash at end of year	2013-12-31	$617,297
Total non interest bearing cash at beginning of year	2013-12-31	$411,444
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$218,845,424
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$1,167,117,949
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$948,272,525
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Investment advisory and management fees	2013-12-31	$304,833
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$382,946,168
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$321,521,245
Interest on participant loans	2013-12-31	$529,427
Value of interest in common/collective trusts at end of year	2013-12-31	$580,905,111
Value of interest in common/collective trusts at beginning of year	2013-12-31	$416,416,164
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$117,395,367
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$134,465,091
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$134,465,091
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$35,176,228
Net investment gain or loss from common/collective trusts	2013-12-31	$127,528,300
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$68,002,999
Assets. Invements in employer securities at beginning of year	2013-12-31	$58,888,213
Contributions received in cash from employer	2013-12-31	$51,111,191
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$92,112,304
Contract administrator fees	2013-12-31	$795,078
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	No
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2013-12-31	270475249
2012 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$6,209,327
Total unrealized appreciation/depreciation of assets	2012-12-31	$6,209,327
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$82,164
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$85,769
Total income from all sources (including contributions)	2012-12-31	$231,323,406
Total of all expenses incurred	2012-12-31	$75,228,351
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$73,536,283
Expenses. Certain deemed distributions of participant loans	2012-12-31	$878,326
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$123,774,235
Value of total assets at end of year	2012-12-31	$948,354,689
Value of total assets at beginning of year	2012-12-31	$792,263,239
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$813,742
Total interest from all sources	2012-12-31	$491,746
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$12,401,137
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$12,401,137
Administrative expenses professional fees incurred	2012-12-31	$2,753
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$15,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2012-12-31	$24,423
Contributions received from participants	2012-12-31	$72,567,427
Participant contributions at end of year	2012-12-31	$16,340,030
Participant contributions at beginning of year	2012-12-31	$14,088,973
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$3,573,019
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$312,502
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$246,108
Administrative expenses (other) incurred	2012-12-31	$23,488
Liabilities. Value of operating payables at end of year	2012-12-31	$82,164
Liabilities. Value of operating payables at beginning of year	2012-12-31	$85,769
Total non interest bearing cash at end of year	2012-12-31	$411,444
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$156,095,055
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$948,272,525
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$792,177,470
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Investment advisory and management fees	2012-12-31	$110,293
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$321,521,245
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$468,623,717
Interest on participant loans	2012-12-31	$467,221
Value of interest in common/collective trusts at end of year	2012-12-31	$416,416,164
Value of interest in common/collective trusts at beginning of year	2012-12-31	$117,803,213
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$134,465,091
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$140,723,271
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$140,723,271
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$24,525
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$57,196,313
Net investment gain or loss from common/collective trusts	2012-12-31	$31,250,648
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$58,888,213
Assets. Invements in employer securities at beginning of year	2012-12-31	$50,777,957
Contributions received in cash from employer	2012-12-31	$47,633,789
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$73,536,283
Contract administrator fees	2012-12-31	$677,208
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2012-12-31	No
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2012-12-31	270475249
2011 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-2,828,415
Total unrealized appreciation/depreciation of assets	2011-12-31	$-2,828,415
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$85,769
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$252,584
Total income from all sources (including contributions)	2011-12-31	$98,819,398
Total of all expenses incurred	2011-12-31	$58,369,970
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$56,524,098
Expenses. Certain deemed distributions of participant loans	2011-12-31	$858,186
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$90,347,057
Value of total assets at end of year	2011-12-31	$792,263,239
Value of total assets at beginning of year	2011-12-31	$751,980,626
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$987,686
Total interest from all sources	2011-12-31	$968,998
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$10,758,792
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$10,758,792
Administrative expenses professional fees incurred	2011-12-31	$2,753
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$15,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2011-12-31	$618,098
Contributions received from participants	2011-12-31	$53,800,268
Participant contributions at end of year	2011-12-31	$14,088,973
Participant contributions at beginning of year	2011-12-31	$13,076,594
Participant contributions at beginning of year	2011-12-31	$50,645
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$1,671,621
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$246,108
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$279,036
Administrative expenses (other) incurred	2011-12-31	$35,544
Liabilities. Value of operating payables at end of year	2011-12-31	$85,769
Liabilities. Value of operating payables at beginning of year	2011-12-31	$252,584
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$40,449,428
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$792,177,470
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$751,728,042
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Investment advisory and management fees	2011-12-31	$225,962
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$468,623,717
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$463,144,015
Interest on participant loans	2011-12-31	$475,649
Value of interest in common/collective trusts at end of year	2011-12-31	$117,803,213
Value of interest in common/collective trusts at beginning of year	2011-12-31	$115,295,101
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$140,723,271
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$110,262,299
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$110,262,299
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$493,349
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-1,006,207
Net investment gain or loss from common/collective trusts	2011-12-31	$579,173
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$50,777,957
Assets. Invements in employer securities at beginning of year	2011-12-31	$49,839,846
Contributions received in cash from employer	2011-12-31	$34,875,168
Employer contributions (assets) at beginning of year	2011-12-31	$33,090
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$56,524,098
Contract administrator fees	2011-12-31	$723,427
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2011-12-31	No
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2011-12-31	270475249
2010 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$3,633,659
Total unrealized appreciation/depreciation of assets	2010-12-31	$3,633,659
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$252,584
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$115,690
Total income from all sources (including contributions)	2010-12-31	$157,092,199
Total of all expenses incurred	2010-12-31	$56,685,962
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$54,453,690
Expenses. Certain deemed distributions of participant loans	2010-12-31	$1,107,325
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$74,102,138
Value of total assets at end of year	2010-12-31	$751,980,626
Value of total assets at beginning of year	2010-12-31	$651,437,495
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$1,124,947
Total interest from all sources	2010-12-31	$520,943
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$10,041,643
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$15,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$37,786,346
Participant contributions at end of year	2010-12-31	$13,076,594
Participant contributions at beginning of year	2010-12-31	$11,817,327
Participant contributions at end of year	2010-12-31	$50,645
Participant contributions at beginning of year	2010-12-31	$19,726
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$12,003,424
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$279,036
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$310,645
Administrative expenses (other) incurred	2010-12-31	$36,471
Liabilities. Value of operating payables at end of year	2010-12-31	$252,584
Liabilities. Value of operating payables at beginning of year	2010-12-31	$115,690
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$100,406,237
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$751,728,042
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$651,321,805
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Investment advisory and management fees	2010-12-31	$297,139
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$463,144,015
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$388,121,498
Interest on participant loans	2010-12-31	$520,943
Value of interest in common/collective trusts at end of year	2010-12-31	$115,295,101
Value of interest in common/collective trusts at beginning of year	2010-12-31	$92,032,492
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$110,262,299
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$115,436,777
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$115,436,777
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$51,836,148
Net investment gain or loss from common/collective trusts	2010-12-31	$16,957,668
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$49,839,846
Assets. Invements in employer securities at beginning of year	2010-12-31	$43,684,362
Contributions received in cash from employer	2010-12-31	$24,312,368
Employer contributions (assets) at end of year	2010-12-31	$33,090
Employer contributions (assets) at beginning of year	2010-12-31	$14,668
Income. Dividends from common stock	2010-12-31	$10,041,643
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$54,453,690
Contract administrator fees	2010-12-31	$791,337
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2010-12-31	No
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	GEORGE JOHNSON & COMPANY OF IL, LLC
Accountancy firm EIN	2010-12-31	270475249
2009 : EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS

2016: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: EMPLOYEES' 401(K) SAVINGS PLAN OF BANK OF MONTREAL/HARRIS 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	This submission is the final filing	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	BMO HARRIS BANK N.A.
Employer identification number (EIN):	362085229
NAIC Classification:	522110
NAIC Description:	Commercial Banking