What a loser company that BMO 
Financial Results Highlights:

Second Quarter 2017 Compared with Second Quarter 2016:

Net income of $1.25 billion, up 28%; adjusted net income of $1.29 billion, up 12%
EPS2 of $1.84, up 27%; adjusted EPS1,2 of $1.92, up 11%
ROE of 12.6%, compared with 10.1%; adjusted ROE1 of 13.1%, compared with 12.1%
Provisions for credit losses of $259 million, compared with $201 million
Common Equity Tier 1 Ratio of 11.3%
Dividend increased by $0.02 to $0.90, up 5% from the prior year
Year-to-Date 2017 Compared with Year-to-Date 2016:

Net income of $2.74 billion, up 34%; adjusted net income1 of $2.83 billion, up 21%
EPS2 of $4.06, up 34%; adjusted EPS1,2 of $4.20, up 21%
ROE of 13.8%, compared with 10.5%; adjusted ROE1 of 14.2%, compared with 12.1%
Provisions for credit losses of $432 million, compared with $384 million
I can see how someone like you sees this as a terrible quarter's result.