BOK Financial Corporation
(NASDAQ:BOKF)

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking,...

Website: http://www.bokf.com

Founded: 1910

Full Time Employees: 4,926

Sector: Financial Services

Industry: Banks-Regional

Regional Bank Financial Services

Share this website to your friends

• Market Cap:

• Exchange:

• Shs Outstanding:

• Employees:

• Beta:

• Return on Equity (ROE) ttm:

• Return on Assets (ROA) ttm:

• EPS ttm:

• Book value per Share:

• Cash per Share:

• Current ast per Share:

• P/E ttm:

• P/E forward:

• P/E ttm high:

• P/E ttm low:

• P/S ttm:

• P/B ttm:

• P/FCF ttm:

• PEG ratio:

• Cash Ratio ttm:

• Quick Ratio ttm:

• Current Ratio ttm:

• Gross Mgn ttm:

• EBITDA Mgn ttm:

• Operating Mgn ttm:

• Net Income Mgn ttm:

• Trailing Div yield:

• Forward Div yield:

• Payout Ratio ttm:

• Ex-Dividend date:

• Target Price High:

• Target Price Low:

• Target Price Mean:

• Number of Analysts:

• Debt Ratio ttm:

• Debt to Equity ttm:

• Total Net Debt:

At a glance:

Bull Thesis:

Bear Thesis:

Main Competitors:

Moat:

Income Statements:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-03-31	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-03-31	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31

loans	409,803,000	416,935,000	402,188,000	396,416,000	421,204,000	453,779,000	447,114,000	438,677,000	437,906,000	425,662,000	399,182,000	367,870,000	329,915,000	264,350,000	204,015,000	178,373,000	186,736,000	191,206,000	193,841,000	197,574,000	168,658,250	215,977,000	215,438,000	243,218,000	263,893,000	286,694,000	293,332,000	279,872,000	274,070,000	218,732,000	210,694,000	188,091,000	535,584,000	160,895,000	141,560,000	139,112,000	136,805,000	132,985,000	133,197,000	126,696,000	380,282,000	122,471,000	131,175,000	126,983,000	93,871,000	127,914,000	123,830,000	123,740,000
residential mortgage loans held for sale	1,349,000	1,405,000	1,346,000	975,000	1,296,000	1,495,000	1,348,000	923,000	1,036,000	1,234,000	1,092,000	979,000	1,390,000	1,684,000	1,559,000	1,394,000	1,242,000	1,274,000	1,569,000	1,380,000	1,212,000	1,585,000	2,140,000	1,123,000	1,797,000	1,891,000	1,754,000	1,663,000	1,795,000	2,151,000	2,333,000	1,844,000	6,870,000	1,836,000	3,508,000	2,700,000	2,968,000	3,793,000	3,892,000	2,949,000	8,553,000	1,590,000	1,784,000	1,768,000	1,115,000	1,616,000	1,505,000	1,339,000
trading securities	63,191,000	72,653,000	86,364,000	73,739,000	68,725,000	76,419,000	74,801,000	68,237,000	68,943,000	65,221,000	47,821,000	34,009,000	28,395,000	22,720,000	22,958,000	40,975,000	44,471,000	38,941,000	36,655,000	35,922,000	7,972,500	8,723,000	11,407,000	11,760,000	12,950,000	14,452,000	15,498,000	18,695,000	19,510,000	17,295,000	12,988,000	7,738,000	11,819,000	5,183,000	616,000	524,000	622,000	669,000	442,000	507,000	1,534,000	411,000	364,000	300,000	329,750	471,000	434,000	414,000
investment securities	6,357,000	6,536,000	6,738,000	6,983,000	7,231,000	7,381,000	7,564,000	7,829,000	8,032,000	8,276,000	8,586,000	8,928,000	9,125,000	9,108,000	3,485,000	2,354,000	2,516,000	2,580,000	2,608,000	2,726,000	2,265,000	2,939,000	3,000,000	3,121,000	3,266,000	3,221,000	2,905,000	4,034,000	3,657,000	3,598,000	3,663,000	3,857,000	11,950,000	4,171,000
available-for-sale securities	134,381,000	133,396,000	131,301,000	127,509,000	90,701,500	125,490,000
fair value option securities	913,000	1,441,000	1,319,000	178,000	183,000	189,000	194,000	195,000	199,000	552,000	3,116,000	3,893,000	931,000	286,000	437,000	491,000	302,000	342,000	402,000	496,000	4,451,000	1,986,000	4,110,000	11,708,000	9,488,000	10,708,000	7,503,000	5,237,000	2,578,000	3,881,000	3,927,000	4,819,000	14,375,000	2,380,000	2,062,000	2,589,000	2,461,000	2,480,000	2,320,000	2,003,000	2,760,000	851,000	2,311,000	3,487,000
restricted equity securities	4,522,000	6,605,000	7,545,000	6,541,000	6,427,000	8,426,000	9,192,000	8,858,000	8,670,000	8,776,000	6,429,000	5,808,000	3,088,000	2,703,000	1,384,000	1,107,000	1,028,000	1,565,000	1,751,000	1,359,000	2,171,750	913,000	1,880,000	5,894,000	6,441,000	7,558,000	6,516,000	6,345,000	5,798,000	5,232,000	5,408,000	5,117,000	14,181,000	4,309,000	3,863,000	4,311,000	3,905,000	3,802,000	3,228,000	2,597,000	6,043,000	997,000
interest-bearing cash and cash equivalents	5,302,000	5,482,000	5,626,000	6,229,000	6,322,000	7,131,000	7,776,000	7,005,000	8,096,000	8,199,000	9,552,000	6,506,000	5,822,000	3,520,000	1,737,000	473,000	483,000	245,000	158,000	174,000	668,000	167,000	112,000	2,393,000	2,335,000	3,050,000	3,432,000	3,397,000	3,170,000	3,441,000	7,740,000	7,982,000	17,884,000	4,244,000	2,569,000	2,706,000	1,466,000	1,442,000	1,250,000	1,422,000	2,484,000	265,000
total interest revenue	476,362,500	644,453,000	642,427,000	618,570,000	499,334,750	680,310,000	671,817,000	645,212,000	426,035,000	617,044,000	570,367,000	516,729,000	235,124,000	363,150,000	294,247,000	283,099,000	221,898,750	293,463,000	295,893,000	298,239,000	237,495,000	294,659,000	306,384,000	348,937,000	290,525,250	395,207,000	390,820,000	376,074,000	215,708,500	303,247,000	294,180,000	265,407,000	56,597,500	226,390,000	202,267,000	201,796,000	196,782,000	193,664,000	191,813,000	184,569,000	553,119,000	179,120,000	203,055,000	198,208,000	153,388,750	205,749,000	205,717,000	202,089,000
interest expense
deposits	234,423,000	241,833,000	238,443,000	241,072,000	257,724,000	271,128,000	254,753,000	242,124,000	209,849,000	184,808,000	136,666,000	95,274,000	65,574,000	34,715,000	13,862,000	7,598,000	7,544,000	7,665,000	8,425,000	9,850,000	19,640,500	14,658,000	17,745,000	46,159,000	48,021,000	46,917,000	43,183,000	37,417,000	31,800,000	24,535,000	20,963,000	18,219,000	42,449,000	11,354,000	9,997,000	10,542,000	10,068,000	10,731,000	11,266,000	12,105,000	37,697,000	12,986,000	16,390,000	17,498,000	17,402,250	22,407,000	23,160,000	24,042,000
borrowed funds	42,392,000	64,974,000	74,230,000	59,163,000	66,114,000	98,706,000	118,737,000	107,204,000	129,457,000	129,019,000	109,221,000	67,038,000	31,368,000	10,433,000	4,894,000	5,788,000	6,383,000	3,066,000	3,806,000	4,622,000	12,409,250	4,856,000	6,996,000	37,785,000	47,833,000	65,381,000	58,404,000	56,810,000	44,355,000	35,804,000	32,607,000	25,449,000	57,295,000	11,829,000	8,780,000	7,972,000	4,809,000	3,701,000	3,121,000	2,573,000	6,338,000	1,334,000	1,792,000	1,589,000	1,794,250	2,331,000	3,015,000	1,831,000
subordinated debentures	3,722,000		1,588,000	2,084,000	2,241,000	2,357,000	2,306,000	2,312,000	2,343,000	2,321,000	2,219,000	2,069,000	2,038,000	1,677,000	1,473,000	1,302,000	1,330,000	2,505,000	3,353,000	3,347,000	2,641,750	3,395,000	3,539,000	3,633,000	3,754,000	3,813,000	3,801,000	3,745,000	3,751,000	2,025,000	2,048,000	2,003,000	6,098,000	2,025,000	878,000	710,000	644,000	596,000	1,695,000	2,165,000	6,532,000	2,158,000	3,512,000	5,552,000	4,186,250	5,627,000	5,541,000	5,577,000
total interest expense	280,537,000	306,807,000	314,261,000	302,319,000	326,079,000	372,191,000	375,796,000	351,640,000	341,649,000	316,148,000	248,106,000	164,381,000	98,980,000	46,825,000	20,229,000	14,688,000	15,257,000	13,236,000	15,584,000	17,819,000	34,691,500	22,909,000	28,280,000	87,577,000	99,608,000	116,111,000	105,388,000	97,972,000	79,906,000	62,364,000	55,618,000	45,671,000	105,842,000	25,208,000	19,655,000	19,224,000	15,521,000	15,028,000	16,082,000	16,843,000	50,567,000	16,478,000	21,694,000	24,639,000	23,382,750	30,365,000	31,716,000	31,450,000
net interest income	245,515,750	337,646,000	328,166,000	316,251,000	224,428,000	308,119,000	296,021,000
provision for credit losses		2,000,000				2,000,000	8,000,000				17,000,000		3,750,000	15,000,000						-25,000,000
net interest income after provision for credit losses	245,015,750	335,646,000	328,166,000	316,251,000	219,928,000	306,119,000	288,021,000
other operating revenue
brokerage and trading revenue	47,310,000	43,239,000	38,125,000	31,068,000	55,505,000	50,391,000	53,017,000	59,179,000	60,896,000	62,312,000	65,006,000	52,396,000	63,008,000	61,006,000	44,043,000	-27,079,000	14,869,000	47,930,000	29,408,000	20,782,000	45,581,750	69,526,000	62,022,000	50,779,000	43,843,000	43,840,000	40,526,000	31,617,000	28,101,000	23,086,000	26,488,000	30,648,000	97,978,000	33,623,000	39,530,000	32,341,000	30,255,000	31,582,000	36,012,000	31,707,000	104,921,000	29,516,000	32,600,000	31,111,000	19,648,750	29,451,000	23,725,000	25,376,000
transaction card revenue	31,564,000	29,463,000	29,561,000	27,092,000	27,631,000	28,495,000	27,246,000	25,493,000	28,847,000	26,387,000	26,003,000	25,621,000	27,136,000	25,974,000	26,940,000	24,216,000	24,998,000	24,632,000	24,923,000	22,430,000	17,071,500	23,465,000	22,940,000	21,881,000	22,548,000	22,015,000	21,915,000	20,738,000	20,664,000	21,396,000	20,975,000	20,990,000	87,861,000	32,127,000	34,950,000	32,354,000	32,319,000	32,514,000	32,778,000	31,010,000	94,555,000	29,134,000	26,758,000	25,430,000	22,699,250	31,328,000	31,024,000	28,445,000
fiduciary and asset management revenue	68,347,000	63,878,000	63,964,000	60,972,000	60,595,000	57,384,000	57,576,000	55,305,000	51,408,000	52,256,000	52,997,000	50,657,000	49,899,000	50,190,000	49,838,000	46,399,000	46,872,000	45,248,000	44,832,000	41,322,000	31,411,500	39,931,000	41,257,000	44,458,000	45,021,000	43,621,000	45,025,000	43,358,000	43,658,000	57,514,000	41,699,000	41,832,000	124,262,000	38,631,000	34,813,000	32,056,000	31,165,000	30,807,000	32,712,000	31,469,000	89,930,000	25,722,000
deposit service charges and fees	32,039,000	31,896,000	31,319,000	30,275,000	30,038,000	30,450,000	29,572,000	28,685,000	27,770,000	27,676,000	27,100,000	25,968,000	26,429,000	28,703,000	28,500,000	27,004,000	26,718,000	27,429,000	25,861,000	24,209,000	18,115,500	24,286,000	22,046,000	26,130,000	27,331,000	28,837,000	28,074,000	28,243,000	29,400,000	27,765,000	27,827,000	27,161,000	89,045,000	23,030,000	22,618,000	22,542,000	22,813,000	23,606,000	22,328,000	21,684,000	68,222,000	22,689,000	25,216,000	24,379,000	17,737,750	24,614,000	23,857,000	22,480,000
mortgage banking revenue	19,013,000	19,764,000	18,993,000	19,815,000	18,140,000	18,372,000	18,628,000	18,967,000	12,834,000	13,356,000	15,141,000	14,367,000	10,065,000	11,282,000	11,368,000	16,650,000	21,278,000	26,286,000	21,219,000	37,113,000	35,765,500	51,959,000	53,936,000	37,167,000	25,396,000	30,180,000	28,131,000	23,834,000	21,880,000	23,536,000	26,346,000	26,025,000	79,528,000	25,191,000	38,224,000	34,430,000	25,039,000	33,170,000	36,846,000	39,320,000	86,249,000	22,844,000	39,548,000	33,078,000	16,551,250	29,493,000	19,356,000	17,356,000
other revenue	16,591,000	16,190,000	15,368,000	14,894,000	15,029,000	17,402,000	13,988,000	12,935,000	15,035,000	15,865,000	14,250,000	16,970,000	17,034,000	15,479,000	12,684,000	10,445,000	11,586,000	18,896,000	23,172,000	16,296,000	9,371,500	13,698,000	11,479,000	12,309,000	15,283,000	17,626,000	12,437,000	12,762,000	15,590,000	14,213,000	14,518,000	12,330,000	40,416,000	11,752,000	13,352,000	11,904,000	11,885,000	10,618,000	9,473,000	8,603,000	29,599,000	8,852,000	7,559,000	9,027,000	6,666,500	10,535,000	7,842,000	8,332,000
total fees and commissions revenue	214,864,000	204,430,000	197,330,000
other gains	28,078,000	8,264,000	8,140,000	-725,000	4,995,000	13,087,000	57,375,000	4,269,000	40,452,000	1,474,000	12,618,000	2,251,000	8,427,000	979,000	-7,639,000	-1,644,000	6,081,000	31,091,000	16,449,000	-3,036,000	573,000	6,265,000	6,768,000	-10,741,000	-1,649,000	4,544,000	3,480,000	2,976,000	-7,491,000	1,441,000	3,983,000	-664,000	5,377,000	3,627,000	1,307,000	1,560,000
gain on derivatives	-2,366,000	-453,000	5,535,000	9,565,000	-183,250	8,991,000									-13,569,000		-4,788,000	-5,760,000	18,820,000	-27,650,000	10,664,750	2,354,000	21,885,000	18,420,000	-4,644,000	3,778,000	11,150,000	4,667,000	11,167,000	-2,847,000	-3,057,000		1,229,000	-450,000	10,766,000	7,138,000	-732,000	1,283,000	-1,032,000	911,000	1,808,000	968,000	2,345,000		715,000	4,048,000	1,225,000
gain on fair value option securities	551,000	630,000	1,112,000	325,000	91,250	764,000											1,418,000	-120,000	-1,627,000	-1,910,000	13,295,000	-754,000	-14,459,000	68,393,000	-8,328,000	4,597,000	9,853,000	9,665,000	-6,322,500	-4,385,000	-3,341,000		-285,000	-1,140,000	4,279,000	9,443,000	-4,127,000	5,926,000	-8,130,000	2,647,000	7,529,000	2,660,000	6,852,000
change in fair value of mortgage servicing rights	1,407,000	-2,375,000	-5,019,000	-7,240,000	20,460,000	-16,453,000	3,453,000	10,977,000	-14,356,000	8,039,000	9,261,000	-6,059,000	-2,904,000	16,570,000	17,485,000	49,110,000	7,859,000	12,945,000	-13,041,000	33,874,000	-2,680,000	3,441,000	-761,000	-88,480,000	9,297,000	-12,593,000	-29,555,000	-20,666,000	-24,233,000	5,972,000	1,723,000	21,206,000	-1,684,000	1,856,000	-16,283,000	-27,988,000	7,416,000	-11,757,000	8,010,000	-8,522,000	-11,984,000	-4,461,000	11,450,000	-7,127,000	52,612,482,178,307,000	24,822,000	13,493,000	-3,129,000
gain on available-for-sale securities	1,748,000	213,000
total other operating revenue	244,282,000	210,709,000	207,098,000	186,041,000	210,044,000	208,192,000	259,704,000	161,701,000	204,883,000	198,152,000	209,049,000	177,865,000	197,086,000	189,698,000	168,617,000	87,856,000	157,443,000	229,832,000	191,446,000	163,897,000	161,792,750	234,159,000	232,693,000	180,319,000	178,585,000	186,450,000	172,065,000	157,270,000	136,455,000	167,941,000	156,399,000	155,989,000	524,798,000	170,296,000	188,882,000	159,744,000	161,115,000	163,436,000	176,285,000	166,017,000	475,653,000	137,006,000	187,035,000	140,381,000	108,628,750	173,977,000	142,960,000	117,578,000
other operating expense
personnel	222,726,000	226,347,000	214,711,000	214,185,000	210,675,000	206,821,000	191,090,000	202,653,000	203,022,000	190,791,000	190,652,000	182,145,000	186,419,000	170,348,000	154,923,000	159,228,000	174,474,000	175,863,000	172,035,000	173,010,000	128,069,000	179,860,000	176,235,000	156,181,000	168,422,000	162,573,000	160,342,000	169,228,000	160,706,000	143,531,000	138,947,000	139,947,000	436,983,000	136,425,000	142,490,000	135,843,000	133,182,000	129,062,000	132,695,000	128,548,000	372,498,000	104,433,000	122,297,000	114,769,000	77,214,250	103,260,000	105,603,000	99,994,000
business promotion	11,516,000	9,960,000	9,139,000	8,818,000	9,365,000	7,681,000	8,250,000	7,978,000	8,629,000	6,958,000	7,640,000	8,569,000	7,470,000	6,127,000	6,325,000	6,513,000	6,452,000	4,939,000	2,744,000	2,154,000	2,695,750	2,633,000	1,935,000	6,215,000	8,787,000	8,859,000	10,142,000	7,874,000	9,207,000	7,620,000	7,686,000	6,010,000	22,160,000	6,717,000	6,703,000	5,696,000	8,416,000	5,922,000	7,765,000	5,748,000	20,808,000	5,841,000	6,746,000	4,388,000	3,670,250	5,280,000	4,777,000	4,624,000
charitable contributions to bokf foundation							13,610,000		1,542,000	23,000	1,142,000						5,000,000			4,000,000	750,000		3,000,000		2,000,000		1,000,000											796,000			1,847,000	2,420,000
professional fees and services	18,371,000	15,137,000	15,402,000	13,269,000	15,175,000	13,405,000	13,331,000	12,010,000	16,288,000	13,224,000	12,777,000	13,048,000	18,365,000	14,089,000	12,475,000	11,413,000	14,129,000	12,436,000	12,361,000	11,980,000	9,795,750	14,074,000	12,161,000	12,948,000	13,408,000	12,312,000	13,002,000	16,139,000	20,712,000	13,209,000	14,978,000	10,200,000	38,688,000	12,379,000	14,158,000	11,759,000	10,357,000	10,147,000	9,560,000	10,059,000	36,875,000	7,565,000	8,343,000	7,599,000	5,283,500	7,418,000	6,258,000	7,458,000
net occupancy and equipment	32,693,000	33,040,000	32,657,000	32,992,000	32,713,000	32,077,000	30,245,000	30,293,000	30,355,000	32,583,000	30,105,000	28,459,000	29,227,000	29,296,000	27,489,000	30,855,000	26,897,000	28,395,000	26,633,000	26,662,000	21,211,750	28,111,000	30,675,000	26,061,000	26,316,000	27,558,000	26,880,000	29,521,000	27,780,000	23,394,000	22,761,000	24,046,000	64,853,000	21,624,000	19,677,000	18,766,000	19,356,000	18,689,000	18,927,000	19,044,000	60,336,000	16,896,000	16,906,000	16,023,000	11,946,250	16,627,000	15,554,000	15,604,000
fdic and other insurance	6,078,000	7,302,000	6,439,000	6,587,000	6,862,000	8,186,000	7,317,000	8,740,000
fdic special assessment	-9,479,000	-1,209,000	-523,000	523,000	-686,000	-1,437,000	1,190,000	6,454,000
data processing and communications	51,299,000	50,062,000	49,597,000	47,578,000	48,024,000	47,554,000	46,131,000	45,564,000	45,584,000	45,672,000	45,307,000	44,802,000	43,048,000	41,743,000	41,280,000	39,836,000	39,358,000	38,371,000	36,418,000	37,467,000	25,109,000	34,751,000	32,942,000	32,743,000	31,884,000	31,915,000	29,735,000	31,449,000	27,575,000	31,665,000	27,739,000	27,817,000	113,030,000	33,940,000	32,802,000	32,017,000	29,072,000	31,228,000	31,463,000	30,620,000	89,914,000	27,135,000	25,264,000	22,144,000	17,844,250	24,446,000	24,428,000	22,503,000
printing, postage, and supplies	4,077,000	4,036,000	4,067,000	3,639,000	2,845,000	3,594,000
amortization of intangible assets	2,656,000	2,656,000	2,656,000	2,652,000	2,855,000	2,856,000	2,898,000	3,003,000	3,543,000	3,474,000	3,474,000	3,391,000	3,736,000	3,943,000	4,049,000	3,964,000	4,438,000	4,488,000	4,578,000	4,807,000	3,838,750	5,071,000	5,190,000	5,094,000	5,225,000	5,064,000	5,138,000	5,191,000	5,331,000	1,603,000	1,386,000	1,300,000	4,977,000	1,802,000	2,624,000	1,159,000	1,090,000	1,089,000	1,090,000	1,090,000	3,149,000	816,000	545,000	575,000	672,000	896,000	896,000	896,000
mortgage banking costs	10,663,000	10,668,000	6,711,000	7,689,000	10,692,000	9,059,000	8,532,000	6,355,000	8,085,000	8,357,000	8,300,000	5,782,000	9,016,000	9,504,000	9,437,000	7,877,000	8,667,000	8,962,000	11,126,000	13,943,000	10,486,500	15,803,000	15,598,000	10,545,000	14,259,000	14,975,000	11,545,000	9,906,000	11,518,000	11,741,000	12,890,000	10,149,000	39,853,000	13,003,000	15,809,000	12,379,000	13,672,000	8,587,000	7,419,000	9,319,000	26,247,000	3,634,000	11,173,000	7,573,000	6,197,000	9,349,000	8,968,000	6,471,000
other expense	10,454,000	11,771,000	13,647,000	9,597,000	8,282,000	11,229,000	10,307,000				8,574,000		7,506,500	11,046,000		9,960,000				7,132,000
total other operating expense	361,054,000	369,770,000	354,503,000	347,529,000	347,656,000	341,025,000	336,690,000	340,384,000	384,083,000	324,313,000	318,673,000	305,812,000	318,456,000	294,751,000	273,655,000	277,618,000	299,495,000	291,277,000	291,152,000	282,627,000	-596,652,000	301,265,000	295,387,000	268,624,000	288,795,000	279,292,000	277,137,000	287,157,000	284,643,000	252,617,000	246,476,000	244,430,000	780,806,000	244,711,000	254,725,000	244,900,000	232,558,000	224,628,000	227,113,000	220,265,000	662,418,000	185,104,000	223,786,000	185,237,000	150,638,500	220,896,000	203,209,000	178,449,000
net income before taxes	228,509,000	176,585,000	180,761,000	154,763,000	175,434,000	173,286,000	211,035,000	106,889,000	111,475,000	167,735,000	195,637,000	208,401,000	216,256,000	196,272,000	168,980,000	78,649,000	152,025,000	241,782,000	215,603,000	186,690,000	-284,733,000	204,644,000	80,089,000	79,284,000	141,039,000	174,254,000	175,360,000	140,215,000	128,498,000	152,207,000	148,485,000	136,295,000	391,511,000	126,767,000	96,769,000	62,416,000	87,318,000	109,944,000	120,903,000	113,478,000	315,787,000	114,544,000
federal and state income taxes	51,243,000	35,714,000	40,691,000	34,992,000	39,280,000	33,313,000	47,303,000	23,195,000	28,953,000	33,256,000	44,001,000	45,905,000	47,864,000	39,681,000	36,122,000	16,197,000	34,836,000	54,061,000	48,496,000	42,382,000	-66,355,000	50,552,000	15,803,000	17,300,000	30,257,000	32,396,000	37,580,000	29,950,000	20,121,000	34,662,000	33,330,000	30,948,000	144,490,000	38,103,000	30,497,000	21,428,000	26,242,000	34,128,000	40,630,000	38,384,000	97,351,000	37,501,000
net income	177,266,000	140,871,000	140,070,000	119,771,000	136,154,000	139,973,000	163,732,000	83,694,000	82,522,000	134,479,000	151,636,000	162,496,000	168,392,000	156,591,000	132,858,000	62,452,000	117,189,000	187,721,000	167,107,000	144,308,000	-218,378,000	154,092,000	64,286,000	61,984,000	110,782,000	141,858,000	137,780,000	110,265,000	108,377,000	117,545,000	115,155,000	105,347,000	247,021,000	88,664,000	66,272,000	40,988,000	61,076,000	75,816,000	80,273,000	75,094,000	218,436,000	77,043,000	99,461,000	83,193,000	67,904,854,597,169,350,000,000	85,459,000	71,695,000
yoy	30.20%	0.64%	-14.45%	43.11%	64.99%	4.09%	7.98%	-48.49%	-50.99%	-14.12%	14.13%	160.19%	43.69%	-16.58%	-20.50%	-56.72%	-153.66%	21.82%	159.94%	132.81%	-297.12%	8.62%	-53.34%	-43.79%	2.22%	20.68%	19.65%	4.67%	-56.13%	32.57%	73.76%	157.02%	304.45%	16.95%	-17.44%	-45.42%	-72.04%	-1.59%	-19.29%	-9.74%	-100.00%	-9.85%	38.73%
qoq	25.84%	0.57%	16.95%	-12.03%	-2.73%	-14.51%	95.63%	1.42%	-38.64%	-11.31%	-6.68%	-3.50%	7.54%	17.86%	112.74%	-46.71%	-37.57%	12.34%	15.80%	-166.08%	-241.72%	139.70%	3.71%	-44.05%	-21.91%	2.96%	24.95%	1.74%	-7.80%	2.08%	9.31%	-57.35%	178.60%	33.79%	61.69%	-32.89%	-19.44%	-5.55%	6.90%	-65.62%	183.52%	-22.54%	19.55%	-100.00%	79458985709134512.00%	19.20%
net income attributable to non-controlling interests	-35,000	-23,000	52,000	-6,000		-26,000	19,000	-9,000	-53,000	-16,000	328,000	128,000	-37,000	81,000	12,000		-129,000	-601,000	686,000		349,000	58,000	-407,000	-95,000	430,000	-373,000	217,000	-347,000	-79,000	289,000	783,000	-215,000	733,000	308,000	471,000	-1,576,000	1,475,000	925,000	1,043,000	251,000
net income attributable to bok financial corporation shareholders	177,301,000	140,894,000	140,018,000	119,777,000	136,154,000	139,999,000	163,713,000	83,703,000	82,575,000	134,495,000	151,308,000	162,368,000	168,429,000	156,510,000	132,846,000	62,488,000	117,318,000	188,322,000	166,421,000	146,060,000	-218,727,000	154,034,000	64,693,000	62,079,000	110,352,000	142,231,000	137,563,000	110,612,000	108,456,000	117,256,000	114,372,000	105,562,000	246,288,000	88,356,000	65,801,000	42,564,000	59,601,000	74,891,000	79,230,000	74,843,000	215,845,000	76,590,000
earnings per share:
basic	1.568	2.22	2.19	1.86	2.13	2.18	2.54	1.29	1.28	2.04	2.27	2.43	2.5	2.32	1.96	0.91	1.72	2.74	2.4	2.1	-3.11	2.19	0.92	0.88	1.56	2	1.93	1.54	1.48	1.79	1.75	1.61	3.76	1.35	1	0.64	0.89	1.09	1.15	1.08	3.12	1.11	1.43	1.22	-2.219	1.24	1.01	0.95
diluted	1.568	2.22	2.19	1.86	2.13	2.18	2.54	1.29	1.28	2.04	2.27	2.43	2.5	2.32	1.96	0.91	1.72	2.74	2.4	2.1	-3.11	2.19	0.92	0.88	1.56	2	1.93	1.54	1.48	1.79	1.75	1.61	3.76	1.35	1	0.64	0.89	1.09	1.15	1.08	3.11	1.11	1.43	1.22	-2.209	1.24	1	0.94
average shares used in computation:
basic	15,799,010.75	62,840,270	63,208,027	63,547,510	-85,100	63,489,581	63,714,204	64,290,105	-303,725	65,548,307	65,994,132	66,331,775	-197,061	67,003,199	67,453,748	67,812,400	-176,124	68,359,125	68,815,666	69,137,375	17,489,736	69,877,866	69,876,043	70,123,685	-165,844	70,596,307	70,887,063	71,387,070	1,745,321	64,901,095	64,901,975	64,847,334	29,400	64,715,964	65,245,887	65,296,541	-409,819	67,668,076	68,096,341	68,254,780	120,509	68,273,685	67,472,665	67,665,300	16,968,968.75	67,827,591	67,898,483	67,901,722
diluted	15,799,010.75	62,840,270	63,208,027	63,547,510	-85,100	63,489,581	63,714,204	64,290,105	-303,725	65,548,307	65,994,132	66,331,775	-198,487	67,004,623	67,455,172	67,813,851	-176,341	68,360,871	68,817,442	69,141,710	17,490,513.25	69,879,290	69,877,467	70,130,166	-166,233	70,609,924	70,902,033	71,404,388	1,742,545	64,934,351	64,937,226	64,888,033	22,547	64,783,737	65,302,926	65,331,428	-412,359	67,762,483	68,210,353	68,344,886	108,292	68,436,478	67,744,828	67,941,895	17,031,938.5	68,037,419	68,169,485	68,176,527
dividends declared per share	0.63	0.57	0.57	0.57	0.57	0.55	0.55	0.55	0.55	0.54	0.54	0.54	0.54	0.53	0.53	0.53	0.53	0.52	0.52	0.52	0.383	0.51	0.51	0.51	0.51	0.5	0.5	0.5	0.5	0.5	0.45	0.45	1.33	0.44	0.43	0.43	0.43	0.42	0.42	0.42	1.22	0.4	0.38	0.33	0.2	0.275	0.275	0.25
total fees and commissions				184,116,000	206,938,000	202,494,000	200,027,000	200,564,000	196,790,000	197,852,000	200,497,000	185,979,000	193,571,000	192,634,000	173,373,000	97,635,000	146,321,000	190,421,000	169,415,000	162,152,000	157,317,250	222,865,000	213,680,000	192,724,000	179,422,000	186,119,000	176,108,000	160,552,000	159,293,000	167,510,000	157,853,000	158,986,000	519,090,000	164,354,000	183,487,000	165,627,000	155,824,000	164,657,000	172,547,000	165,991,000	480,456,000	140,863,000	154,450,000	144,334,000	99,283,750	146,035,000	127,826,000	123,274,000
loss on available-for-sale securities					-11,457,000	-691,000
available for sale securities							123,828,000	113,488,000	105,442,000	99,124,000	94,589,000	88,736,000	72,940,000	58,779,000	58,672,000	57,932,000	55,556,000	57,310,000	58,909,000	58,608,000	50,096,500	62,369,000	68,297,000	69,720,000	69,687,000	67,633,000	59,880,000	56,831,000	55,014,000	48,917,000	47,427,000	45,959,000	133,698,000	43,372,000
loss on derivatives							-1,091,000	-8,633,000	8,592,000	-9,010,000	-8,159,000	-1,344,000	-19,389,750	-17,009,000		-46,981,000																-5,685,000												-2,473,000				-2,413,000
loss on fair value option securities							-94,000	-305,000	1,031,000	-203,000	-2,158,000	-2,962,000	-4,447,500	-4,368,000	-2,221,000	-11,201,000																-17,564,000												-1,733,000
gain on available for sale securities							34,000		-27,626,000		-3,010,000		-3,988,000	892,000	1,188,000	937,000	552,000	1,255,000	1,430,000	467,000	1,392,750	-12,000	5,580,000	3,000	4,487,000	5,000	1,029,000	76,000	-1,999,000	250,000	-762,000	-290,000	2,379,000	2,049,000	5,326,000	3,964,000	2,132,000	2,166,000	3,433,000	4,327,000	299,000	1,240,000	20,481,000	4,331,000	6,766,000	16,694,000	5,468,000
printing, postage and supplies							3,789,000	3,997,000	3,844,000	3,760,000	3,728,000	3,893,000	3,890,000	4,349,000	3,929,000	3,689,000	2,935,000	3,558,000	4,285,000	3,440,000	2,814,000	3,482,000	3,502,000	4,272,000	3,700,000	3,825,000	4,107,000	4,885,000	5,232,000	3,837,000	4,011,000	4,089,000	11,838,000	3,851,000	3,889,000	3,907,000	3,108,000	3,376,000	3,553,000	3,461,000	9,977,000	3,541,000	3,903,000	3,311,000	2,612,000	3,780,000	3,586,000	3,082,000
net interest revenue								293,572,000	243,876,250	300,896,000	322,261,000	352,348,000	214,688,500	316,325,000	274,018,000	268,411,000	210,239,000	280,227,000	280,309,000	280,420,000	-549,854,000	271,750,000	278,104,000	261,360,000	210,657,500	279,096,000	285,432,000	278,102,000	174,795,250	240,883,000	238,562,000	219,736,000	50,295,500	201,182,000	182,612,000	182,572,000	181,261,000	178,636,000	175,731,000	167,726,000	502,552,000	162,642,000	181,361,000	173,569,000	171,470,175,384,174,030,000,000,000	175,384,000	174,001,000	170,639,000
benefit from credit losses								8,000,000	10,000,000	7,000,000		16,000,000					-20,750,000	-23,000,000	-35,000,000		-135,321,000		135,321,000	93,771,000	19,000,000	12,000,000	5,000,000	8,000,000	9,000,000	4,000,000		-5,000,000			20,000,000	35,000,000	22,500,000	7,500,000	4,000,000				-8,000,000		2,237,500		2,700,000	6,250,000
net interest revenue after benefit from credit losses								285,572,000	233,876,250	293,896,000		336,348,000			274,018,000		230,989,000	303,227,000	315,309,000		-414,533,000	271,750,000	142,783,000	167,589,000	204,407,500	267,096,000	280,432,000	270,102,000	175,045,250	236,883,000	238,562,000	224,736,000	50,295,500	201,182,000	162,612,000	147,572,000	158,761,000	171,136,000	171,731,000	167,726,000	40,660,500	162,642,000	189,361,000	173,569,000	127,768,500	175,384,000	171,301,000	164,389,000
loss on available for sale securities								-45,171,000
other income								13,337,000	7,114,250	11,475,000		8,408,000			9,020,000		10,391,500	10,553,000	17,312,000		5,167,250	5,388,000	7,227,000	8,054,000	6,998,000	6,263,000	8,212,000	6,129,000	6,907,000	5,741,000	7,111,000	6,574,000	24,497,000	7,557,000	7,856,000	15,039,000	8,547,000	10,601,000	9,302,000	6,783,000	1,712,500	6,850,000	7,236,000	9,871,000	7,658,500	12,873,000	9,016,000	8,745,000
insurance									5,571,250	7,996,000	6,974,000	7,315,000	4,677,000	4,306,000	4,728,000	4,283,000	3,889,000	3,712,000	3,660,000	4,620,000	3,996,000	5,848,000	5,156,000	4,980,000	5,393,000	4,220,000	6,454,000	4,839,000	4,248,000	6,232,000	6,245,000	6,593,000	13,249,000	6,404,000	7,129,000	7,265,000	5,415,000	4,864,000	5,116,000	4,980,000	14,037,000	4,541,000	4,011,000	3,866,000	3,290,750	2,206,000	4,771,000	6,186,000
net interest revenue after provision for credit losses											305,261,000		210,938,500	301,325,000		268,411,000				305,420,000
net loss attributable to non-controlling interests																-36,000				-1,752,000
net losses and operating expenses of repossessed assets																				-6,588,000
net incomees and operating expenses of repossessed assets																					2,385,250	6,244,000	1,766,000	1,531,000	2,403,000	1,728,000	580,000	1,996,000	2,581,000	4,044,000	2,722,000	7,705,000			1,588,000	1,070,000	343,000	267,000	223,000	613,000	358,000	1,432,000						6,015,000
net incomees (gains) and operating expenses of repossessed assets																																	252,250	1,009,000
taxable securities																																			3,069,000	3,175,000	3,144,000	3,211,000	3,251,000	3,326,000	9,901,000	3,282,000	4,282,000	4,434,000	1,976,000	2,759,000	2,800,000	74,589,000
tax-exempt securities																																			1,148,000	1,212,000	1,233,000	1,274,000	1,315,000	1,344,000	4,204,000	1,504,000	921,000	977,000	945,250	1,061,000	1,324,000	2,003,000
total investment securities																																			4,217,000	4,387,000	4,377,000	4,485,000	4,566,000	4,670,000	14,105,000	4,786,000	5,203,000	5,411,000	2,921,250	3,820,000	4,124,000
total available for sale securities																																			43,872,000	45,467,000	44,178,000	44,008,000	42,918,000	43,725,000	137,358,000	47,749,000	62,214,000	60,257,000	51,705,750	66,624,000	70,578,000
total other-than-temporary impairment losses																																					-1,662,000			-781,000			-135,000	-505,000	-2,385,250	-9,467,000	-74,000
portion of loss recognized in other comprehensive income																																					-65,000
net impairment losses recognized in earnings																																					-1,727,000			-92,000			-858,000	-3,722,000	-5,180,750	-11,300,000	-4,824,000	-4,599,000
bank-owned life insurance																																					2,348,000	2,360,000	2,398,000	2,198,000	6,980,000	2,106,000	2,838,000	2,871,000	2,124,000	2,761,000	2,872,000	2,863,000
gain on other assets																																					843,250	1,161,000	1,457,000	755,000
portion of loss recognized in (reclassified from) other comprehensive income																																								689,000					-2,795,500	-1,833,000	-4,750,000	-4,599,000
gain on assets																																									-1,066,000	-4,264,000
net income attributable to non-controlling interest																																									113,250	453,000	1,833,000	-422,000	9,113,579,650,000	358,000	2,688,000	-8,000
funds sold and resell agreements																																											4,000	2,000	3,000	5,000	3,000	4,000
trust fees and commissions																																											19,931,000	18,438,000	13,856,250	17,853,000	19,150,000	18,422,000
gain on sales of assets																																											3,765,000		997,000	712,000	3,344,000
portion of loss reclassified from other comprehensive income																																											-723,000	-3,217,000
net incomees and expenses of repossessed assets																																											5,912,000	2,245,000	6,180,593,958,578,202,000	5,939,000	5,859,000
income before taxes																																											152,610,000	128,713,000	105,300,128,465,111,050,000,000,000	128,465,000	111,052,000	103,518,000
federal and state income tax																																											53,149,000	45,520,000	37,396,430,063,935,620,000,000	43,006,000	39,357,000	38,752,000
net income attributable to bok financial corp. shareholders																																											97,628,000	83,615,000
loss on sales of assets																																												-356,000
mortgage trading securities																																													3,443,000	5,299,000	5,243,000
gain on mortgage trading securities																																													6,047,750	17,788,000	9,921,000
contribution to bokf charitable foundation																																													1,000,000	4,000,000
visa retrospective responsibility obligation
net income attributable to bok financial corp.																																													66,993,851,016,900,545,000,000	85,101,000	69,007,000
total securities																																																76,592,000
loss on other assets																																																-68,000
gain on securities																																																1,384,000
net income before non-controlling interest																																																64,766,000
net income attributable to bok financial corporation																																																64,774,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-03-31	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31

assets
cash and due from banks	880,721,000	1,074,130,000	990,358,000	1,043,969,000	928,997,000	897,811,000	801,677,000		854,161,000	875,714,000	792,371,000	943,810,000	804,110,000	1,313,563,000	767,805,000	712,067,000	729,285,000	678,998,000	723,983,000	798,757,000	658,612,000	762,453,000	670,500,000	735,836,000	761,130,000	739,109,000	718,297,000	741,749,000	815,458,000	585,801,000	544,534,000	602,510,000	546,575,000	498,713,000	481,510,000	573,699,000	489,268,000	443,577,000	490,683,000	628,092,000	691,697,000	976,191,000	953,688,000	1,098,721,000	805,928,000	1,247,946,000
interest-bearing cash and cash equivalents	545,322,000	284,933,000	426,337,000	390,732,000	547,043,000	178,352,000	354,070,000	632,289,000	520,774,000	571,616,000	571,613,000	457,906,000	804,799,000	723,787,000	599,976,000	2,125,343,000	1,162,477,000	580,457,000	695,213,000	381,816,000	347,759,000	485,319,000	302,577,000	522,985,000	465,458,000	596,382,000	564,404,000	401,675,000	430,789,000	872,999,000	2,054,899,000	1,714,544,000	2,220,640,000	1,907,838,000	1,831,162,000	2,069,900,000	1,830,105,000	2,119,072,000	2,119,987,000
trading securities	4,255,732,000	5,559,417,000	5,851,752,000	4,899,090,000	5,139,725,000	5,212,791,000	5,441,038,000	4,559,012,000	4,748,101,000	5,442,364,000	2,294,358,000	4,464,161,000	2,194,618,000	2,859,444,000	4,891,096,000	9,136,813,000	5,554,040,000	5,699,070,000	5,085,949,000	4,707,975,000	2,245,480,000	1,196,105,000	2,110,585,000	1,623,921,000	1,675,212,000	1,900,395,000	2,140,326,000	1,956,923,000	1,613,400,000	1,909,615,000	1,292,432,000	462,676,000	677,156,000	211,622,000	279,539,000	122,404,000	181,131,000	158,209,000	118,044,000	149,317,000	128,376,000	76,800,000	109,659,000	99,846,000	80,719,000	55,467,000
investment securities, net of allowance	1,837,647,000	1,897,178,000	1,953,513,000	2,017,225,000	2,069,865,000	2,128,881,000	2,185,744,000		2,298,418,000	2,374,071,000	2,448,136,000	2,513,687,000	2,572,360,000	2,637,345,000	183,824,000	210,444,000	215,592,000	220,832,000	226,121,000	244,843,000	256,001,000	267,988,000	272,576,000
available-for-sale securities	13,481,030,000	13,347,821,000	13,102,877,000		13,015,986,000
fair value option securities	104,688,000	107,702,000	17,550,000	17,876,000	19,172,000	19,050,000	19,805,000	150,847,000	20,215,000	212,321,000	326,390,000	296,590,000	33,966,000	37,927,000	185,003,000	43,770,000	51,019,000	60,432,000	72,498,000	114,982,000	134,756,000	722,657,000	1,703,238,000	1,098,577,000	1,816,398,000	1,138,819,000	707,994,000	283,235,000	452,150,000	482,227,000	513,668,000	755,054,000	441,714,000	263,265,000	418,887,000	444,217,000	427,760,000	436,324,000	434,077,000	325,177,000	347,952,000	651,226,000
restricted equity securities	248,605,000	294,359,000	315,192,000	406,178,000	389,335,000	475,209,000	382,549,000	387,224,000	435,112,000	330,086,000	288,181,000	299,651,000	100,356,000	95,130,000	77,389,000	83,113,000	77,542,000	134,885,000	139,614,000	171,391,000	111,656,000	125,683,000	390,042,000	460,552,000	479,018,000	461,017,000	376,429,000	344,447,000	311,189,000	347,721,000	338,552,000	320,189,000	283,936,000	319,639,000	314,590,000	273,684,000	263,587,000	231,520,000	212,685,000
residential mortgage loans held for sale	100,060,000	101,437,000	79,664,000	77,561,000	95,494,000	107,465,000	75,449,000	69,280,000	72,489,000	94,820,000	74,175,000	75,272,000	148,121,000	182,726,000	169,474,000	192,295,000	176,813,000	200,842,000	284,447,000	252,316,000	295,290,000	319,357,000	204,720,000	182,271,000	282,487,000	193,570,000	160,157,000	149,221,000	175,866,000	223,301,000	225,190,000	221,378,000	248,707,000	430,728,000	332,040,000	308,439,000	357,414,000	502,571,000	513,196,000	259,174,000	247,039,000	188,125,000	256,397,000	169,609,000	127,119,000	263,413,000
loans	24,865,194,000	24,292,211,000	23,690,488,000	24,114,724,000	23,985,061,000	24,553,581,000	24,172,560,000	23,125,349,000	23,724,018,000	23,237,659,000	22,750,053,000	22,557,150,000	21,790,457,000	21,291,148,000	20,674,429,000	20,205,680,000	20,347,936,000	21,416,449,000	22,533,847,000	23,007,520,000	23,803,300,000	24,155,890,000	22,463,970,000	21,750,987,000	22,285,367,000	22,255,652,000	21,758,980,000	21,656,730,000	18,349,459,000	18,003,696,000	17,337,850,000	17,153,424,000	16,991,906,000	16,406,749,000	16,022,566,000	15,941,154,000	15,367,441,000	15,124,136,000	14,684,136,000	11,576,431,000	11,577,444,000	11,269,743,000	11,124,569,000	10,737,544,000	10,589,835,000	10,643,036,000
allowance for loan losses	-277,692,000	-277,049,000	-278,594,000	-280,035,000	-284,456,000	-287,826,000	-281,623,000	-258,300,000	-272,114,000	-262,714,000	-249,460,000	-235,704,000	-241,768,000	-241,114,000	-246,473,000	-256,421,000	-276,680,000	-311,890,000	-352,402,000	-388,640,000	-419,777,000	-435,597,000	-315,311,000	-210,759,000	-204,432,000	-202,534,000	-205,340,000	-207,457,000	-210,569,000	-215,142,000	-223,967,000	-230,682,000	-248,710,000	-243,259,000	-233,156,000	-225,524,000	-204,116,000	-201,087,000	-197,686,000
loans, net of allowance	24,587,502,000	24,015,162,000	23,411,894,000	23,834,689,000	23,700,605,000	24,265,755,000	23,890,937,000	22,867,049,000	23,451,904,000	22,974,945,000	22,500,593,000	22,321,446,000	21,548,689,000	21,050,034,000	20,427,956,000	19,949,259,000	20,071,256,000	21,104,559,000	22,181,445,000	22,618,880,000	23,383,523,000	23,720,293,000	22,148,659,000	21,540,228,000	22,080,935,000	22,053,118,000	21,553,640,000	21,449,273,000	18,138,890,000	17,788,554,000	17,113,883,000	16,922,742,000	16,743,196,000	16,163,490,000	15,789,410,000	15,715,630,000	15,163,325,000	14,923,049,000	14,486,450,000	11,344,762,000	11,333,235,000	11,016,262,000	10,853,113,000	10,450,933,000	10,300,286,000	10,350,065,000
premises and equipment	636,256,000	637,211,000	636,096,000	634,485,000	632,819,000	632,388,000	628,050,000		616,439,000	617,918,000	623,112,000	565,175,000	569,379,000	573,605,000	574,786,000	574,148,000	558,126,000	556,400,000	555,455,000	551,308,000	542,625,000	550,230,000	546,093,000	535,519,000	516,597,000	468,368,000	468,293,000	330,033,000	327,129,000	320,810,000	314,347,000	317,335,000	325,546,000	315,199,000	311,161,000	306,490,000	294,669,000	284,238,000	279,075,000	261,508,000	263,579,000	262,735,000	264,325,000	265,057,000	265,532,000	265,465,000
receivables	288,140,000	299,327,000	261,696,000	281,091,000	299,686,000	334,019,000	308,736,000		255,164,000	263,915,000	265,680,000	273,815,000	200,343,000	176,672,000	238,694,000	223,021,000	171,505,000	195,763,000	250,852,000	245,880,000	245,514,000	226,934,000	207,341,000	231,811,000	219,420,000	213,608,000	224,887,000	204,960,000	277,738,000	212,893,000	478,027,000	442,897,000	394,394,000	173,638,000	167,209,000	163,480,000	151,451,000	149,629,000	183,447,000	121,944,000	138,325,000	123,257,000	111,427,000	129,944,000
goodwill	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000		1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,044,749,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,048,091,000	1,049,263,000	447,430,000	453,093,000	447,430,000	447,430,000	445,738,000	382,739,000	383,789,000	385,461,000	385,461,000	385,454,000	377,780,000	335,601,000	335,601,000	335,601,000	335,601,000	335,601,000	335,601,000	335,601,000
intangible assets	37,376,000	40,000,000	44,064,000	46,788,000	51,205,000	54,028,000	56,894,000		65,804,000	69,246,000	72,689,000	76,131,000	79,833,000	83,744,000	87,761,000	91,778,000	96,186,000	105,694,000	110,585,000	113,436,000	118,524,000	123,595,000	121,807,000	125,271,000	124,320,000	124,473,000	129,482,000	134,849,000	33,370,000	28,273,000	29,658,000	28,658,000	42,556,000	43,372,000	44,944,000	43,909,000	44,999,000	46,061,000	33,286,000	9,098,000	9,645,000	10,219,000	11,115,000	12,010,000	12,906,000	13,803,000
mortgage servicing rights	326,399,000	334,644,000	342,111,000	338,145,000	315,920,000	333,246,000	319,330,000		311,382,000	304,722,000	299,803,000	277,608,000	283,806,000	270,312,000	209,563,000	163,198,000	133,308,000	117,629,000	132,915,000	101,172,000	97,644,000	97,971,000	110,828,000	201,886,000	193,661,000	208,308,000	238,193,000	259,254,000	284,673,000	278,719,000	274,978,000	252,867,000	249,403,000	190,747,000	196,055,000	218,605,000	200,049,000	198,694,000	175,051,000	91,783,000	98,138,000	86,783,000	87,948,000	109,192,000	120,345,000	115,723,000
real estate and other repossessed assets, net of allowance	1,751,000	1,729,000	1,769,000	2,254,000	2,625,000	2,334,000	2,860,000		3,753,000	4,227,000	12,651,000	14,304,000	29,676,000	22,221,000	24,492,000	24,589,000	28,770,000	57,337,000	70,911,000	90,526,000	52,847,000	35,330,000	36,744,000	20,359,000	21,026,000	16,940,000	17,139,000	17,487,000	24,515,000	27,891,000	23,652,000	28,437,000	42,726,000	24,054,000	29,896,000	30,731,000	33,116,000	35,499,000	45,551,000			122,753,000
derivative contracts	299,215,000	362,908,000	405,202,000	242,809,000	334,382,000	225,076,000	263,493,000		546,109,000	353,037,000	394,291,000	880,343,000	1,693,742,000	1,992,977,000	2,680,207,000	1,097,297,000	1,901,136,000	1,701,443,000	1,289,156,000	810,688,000	593,568,000	651,553,000	922,716,000	323,375,000	352,019,000	415,221,000	359,223,000	320,929,000	349,481,000	373,373,000	286,687,000	220,502,000	304,727,000	883,673,000	790,146,000	586,270,000	726,159,000	630,435,000	462,386,000	366,204,000	384,996,000	293,859,000	370,616,000	229,887,000	245,124,000	270,445,000
cash surrender value of bank-owned life insurance	419,103,000	416,566,000	419,150,000	416,741,000	413,682,000	412,278,000	410,368,000		406,623,000	411,084,000	408,614,000	406,751,000	407,722,000	409,937,000	407,763,000	405,607,000	403,369,000	401,163,000	401,320,000	398,758,000	396,497,000	393,741,000	391,006,000	389,879,000	387,035,000	384,193,000	384,174,000	381,608,000	323,628,000	321,024,000	318,661,000	316,498,000	310,537,000	307,860,000	305,510,000	303,335,000	300,981,000	298,606,000	296,192,000	269,093,000	266,227,000	263,318,000	260,506,000	261,203,000	258,322,000	255,442,000
receivable on unsettled securities sales	64,515,000	76,989,000	54,662,000	4,825,000	98,526,000	14,673,000	67,854,000	222,004,000	28,707,000	133,909,000	18,186,000	31,004,000	49,089,000	60,168,000	229,404,000	56,172,000	215,755,000	70,954,000	67,759,000	62,386,000	1,934,495,000	1,863,719,000	2,171,881,000	1,020,404,000	904,630,000	583,421,000	966,455,000	336,400,000	421,313,000	604,552,000	3,638,000		9,921,000	142,820,000	5,640,000	40,193,000	30,009,000	8,693,000	9,598,000
other assets	1,034,576,000	1,101,815,000	1,113,553,000	1,135,085,000	982,169,000	1,271,568,000	1,253,689,000		1,344,846,000	1,220,653,000	1,150,689,000	1,354,379,000	1,039,194,000	1,690,068,000	1,132,031,000	957,951,000	990,368,000	901,904,000	696,142,000	907,218,000	787,073,000	752,936,000	1,065,481,000	547,995,000	470,993,000	505,949,000	469,114,000	446,891,000	416,792,000	447,382,000	435,152,000	359,092,000	384,767,000	319,653,000	270,374,000	249,112,000	273,948,000	248,151,000	269,728,000	453,771,000	380,327,000	381,010,000	387,408,000	293,030,000	279,637,000	241,334,000
total assets	50,193,387,000	50,998,077,000	50,472,189,000	49,685,892,000	50,081,985,000	50,403,457,000	50,160,380,000	48,244,154,000	48,931,397,000	49,237,920,000	45,524,122,000	47,790,642,000	43,645,446,000	45,377,072,000	46,826,507,000	50,249,431,000	46,923,409,000	47,154,375,000	47,442,513,000	46,671,088,000	46,067,224,000	45,819,874,000	47,119,162,000	42,172,021,000	43,127,205,000	41,893,073,000	39,882,962,000	38,020,504,000	33,289,864,000	33,833,107,000	33,361,492,000	32,272,160,000	32,628,932,000	31,970,450,000	31,413,945,000	31,476,128,000	30,566,905,000	30,725,563,000	30,299,978,000	25,576,046,000	25,884,173,000	25,493,946,000	25,066,265,000	24,238,182,000	23,701,023,000	23,941,603,000
liabilities and equity
liabilities:
non-interest bearing demand deposits	7,907,176,000	7,998,761,000	8,288,496,000		8,260,244,000	8,840,178,000	8,414,056,000	10,725,452,000	9,974,223,000
interest-bearing deposits:
transaction	25,983,228,000	25,843,923,000	25,662,030,000	25,455,106,000	24,312,211,000	23,107,042,000	22,748,185,000	19,223,863,000	19,897,179,000	18,907,981,000	18,434,489,000	18,659,115,000	19,000,023,000	20,544,199,000	21,689,829,000	23,268,573,000	21,753,110,000	21,278,719,000	21,890,874,000	21,158,422,000	20,196,740,000	18,850,418,000	16,596,292,000	15,391,752,000	13,521,545,000	12,851,943,000	12,476,977,000	12,206,576,000	9,990,219,000	10,164,099,000	10,226,971,000	10,250,393,000	10,359,214,000	9,668,869,000	9,709,766,000	9,998,954,000	9,698,849,000	9,899,777,000	10,108,202,000	8,551,874,000	8,908,397,000	9,354,456,000	9,252,837,000	9,013,323,000	9,528,864,000	9,255,362,000
savings	846,736,000	853,757,000	864,719,000	828,817,000	816,707,000	830,489,000	854,397,000	901,008,000	853,933,000	897,937,000	962,673,000	964,411,000	971,634,000	984,824,000	979,365,000	924,735,000	900,497,000	875,456,000	854,226,000	751,992,000	720,949,000	696,971,000	593,805,000	550,276,000	557,593,000	557,683,000	559,884,000	529,215,000	502,601,000	503,474,000	505,952,000	469,158,000	465,724,000	419,262,000	416,505,000	386,252,000	380,296,000	379,172,000	383,790,000	261,998,000	259,619,000	226,357,000	217,431,000	211,877,000	209,264,000	193,767,000
time	3,762,878,000	3,549,668,000	3,466,428,000	3,535,410,000	3,837,956,000	3,463,935,000	3,366,909,000	2,354,511,000	2,927,217,000	2,706,377,000	1,576,610,000	1,461,842,000	1,459,143,000	1,369,599,000	1,514,416,000	1,704,328,000	1,780,715,000	1,905,349,000	2,004,356,000	1,967,128,000	2,007,973,000	2,352,760,000	2,232,473,000	2,217,849,000	2,243,541,000	2,227,938,000	2,198,389,000	2,113,380,000	2,075,846,000	2,127,732,000	2,166,254,000	2,098,416,000	2,243,848,000	2,247,061,000	2,341,374,000	2,406,064,000	2,498,531,000	2,624,379,000	2,651,778,000	3,107,950,000	3,166,099,000	3,381,982,000	3,554,470,000	3,634,700,000	3,677,611,000	3,509,168,000
total deposits	38,500,018,000	38,246,109,000	38,281,673,000	38,191,230,000	37,227,118,000	36,241,644,000	35,383,547,000		33,652,552,000	33,294,843,000	32,580,747,000	34,480,705,000	36,415,915,000	38,618,918,000	39,425,951,000	41,242,059,000	38,524,551,000	37,439,933,000	37,852,626,000	36,143,880,000	34,973,000,000	33,892,314,000	29,244,152,000	27,621,168,000	26,167,076,000	25,305,121,000	25,331,802,000	25,263,763,000	21,632,289,000	22,169,264,000	22,205,200,000	22,061,305,000	22,575,359,000	20,759,801,000	20,418,320,000	21,088,158,000	20,619,443,000	21,059,729,000	21,153,347,000	18,362,197,000	18,523,287,000	18,762,580,000	18,439,022,000	17,585,877,000	17,872,926,000	17,179,061,000
funds purchased and repurchase agreements	970,950,000	682,051,000	851,875,000	1,292,856,000	743,903,000	813,758,000	1,261,517,000	2,653,654,000	2,722,998,000	5,446,864,000	1,599,724,000	2,270,377,000	626,952,000	677,030,000	1,068,329,000	2,326,449,000	843,273,000	730,183,000	795,161,000	1,662,386,000	973,652,000	1,357,602,000	4,583,768,000	3,818,350,000	3,413,051,000	2,331,947,000	1,439,673,000	1,018,411,000	790,741,000	880,027,000																2,283,780,000
other borrowings	3,239,507,000	4,140,130,000	3,151,178,000	3,030,123,000	4,729,880,000	6,528,538,000	6,724,652,000	5,979,095,000	6,201,644,000	3,777,056,000	4,735,885,000	4,736,908,000	234,933,000	35,505,000	36,246,000	36,753,000	37,426,000	1,546,231,000	1,708,517,000	1,882,970,000	2,771,429,000	3,173,563,000	5,529,554,000	4,527,055,000	6,822,334,000	7,823,809,000	7,341,093,000	6,124,390,000	6,025,483,000	5,929,445,000	5,727,025,000	5,134,897,000	5,238,947,000	5,830,736,000	5,633,862,000	4,837,879,000	4,635,150,000	4,332,162,000	3,727,050,000	58,056,000	209,230,000	74,485,000	80,276,000	149,703,000	36,864,000	833,578,000
subordinated debentures			131,186,000	131,200,000	131,188,000	131,156,000	131,154,000	131,155,000	131,152,000	131,154,000	131,148,000	131,205,000	131,168,000	131,223,000	131,209,000	131,226,000	131,220,000	276,043,000	276,024,000	276,005,000	275,986,000	275,973,000	275,942,000	275,923,000	275,909,000	275,892,000	275,880,000	275,913,000	144,707,000	144,697,000	144,687,000	144,677,000	144,649,000	371,812,000	226,385,000	226,350,000	226,314,000	226,278,000	348,030,000	353,378,000	394,760,000	398,881,000	398,834,000	398,788,000	398,744,000	398,701,000
accrued interest, taxes, and expense	312,283,000	302,515,000	291,174,000	352,345,000	340,290,000
due on unsettled securities purchases	321,729,000	964,580,000	1,335,251,000	405,494,000	377,240,000	347,663,000	264,230,000	388,353,000	235,473,000	400,430,000	262,492,000	147,470,000	205,388,000	297,352,000	81,016,000	160,686,000	614,598,000	576,536,000	106,835,000	257,627,000	641,817,000	599,510,000	537,709,000	182,547,000	703,448,000	565,268,000	186,401,000	156,370,000	414,283,000	571,034,000	94,424,000		137,069,000	11,757,000	19,508,000	16,897,000	98,351,000	37,571,000	25,935,000
other liabilities	517,179,000	483,919,000	475,473,000	494,105,000	514,609,000	515,380,000	506,418,000	979,685,000	522,318,000	540,726,000	557,167,000	484,849,000	483,165,000	449,507,000	434,350,000	435,221,000	415,986,000	419,623,000	431,122,000	427,213,000	422,989,000	440,835,000	391,196,000	372,230,000	352,156,000	309,694,000	303,272,000	183,480,000	172,622,000	167,171,000	737,142,000	349,928,000	189,376,000	147,242,000	212,460,000	124,284,000	159,348,000	135,435,000	124,846,000	171,836,000	144,220,000	133,684,000	139,804,000	151,906,000	184,689,000	191,431,000
total liabilities	44,168,462,000	45,104,721,000	44,697,811,000	44,134,935,000	44,466,787,000	45,171,487,000	45,028,745,000		44,114,189,000	44,370,523,000	40,646,095,000	43,103,284,000	39,131,138,000	40,635,530,000	41,972,983,000	44,881,060,000	41,526,961,000	41,799,824,000	42,180,169,000	41,379,527,000	40,841,115,000	40,715,451,000	42,085,002,000	37,308,102,000	38,289,540,000	37,174,598,000	35,351,253,000	33,577,459,000	29,664,104,000	30,257,062,000	29,844,150,000	28,753,826,000	29,258,038,000	28,567,712,000	28,057,680,000	28,208,489,000	27,150,743,000	27,312,730,000	26,909,726,000	22,653,325,000	23,013,772,000	22,707,294,000	22,298,715,000	21,546,008,000	21,103,335,000	21,397,725,000
shareholders' equity:
common stock	5,000	5,000	5,000	5,000	5,000	5,000	5,000		5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	5,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000
capital surplus	1,447,084,000	1,441,326,000	1,435,498,000	1,429,628,000	1,425,124,000	1,416,807,000	1,411,293,000		1,404,668,000	1,401,509,000	1,397,096,000	1,390,395,000	1,385,481,000	1,381,676,000	1,381,666,000	1,378,794,000	1,374,688,000	1,373,101,000	1,371,735,000	1,368,062,000	1,366,460,000	1,357,706,000	1,354,826,000	1,350,995,000	1,346,730,000	1,343,082,000	1,340,323,000	1,334,030,000	1,044,430,000	1,040,202,000	1,041,242,000	1,035,895,000	1,009,360,000	990,106,000	987,046,000	982,009,000	973,824,000	970,054,000	959,650,000	836,065,000	829,991,000	818,817,000	799,272,000	794,292,000	790,852,000	782,805,000
retained earnings	5,883,501,000	5,778,878,000	5,675,409,000	5,592,100,000	5,492,802,000	5,387,949,000	5,259,646,000		5,164,597,000	5,065,733,000	4,950,176,000	4,824,164,000	4,691,924,000	4,570,837,000	4,473,884,000	4,447,691,000	4,366,779,000	4,214,130,000	4,083,543,000	3,973,675,000	3,856,046,000	3,737,862,000	3,709,019,000	3,729,778,000	3,655,590,000	3,548,907,000	3,447,076,000	3,369,654,000	3,297,083,000	3,212,653,000	3,127,575,000	3,048,487,000	2,883,042,000	2,755,766,000	2,718,301,000	2,704,121,000	2,673,292,000	2,627,250,000	2,576,953,000	2,086,565,000	2,014,599,000	1,953,332,000	1,908,574,000	1,842,022,000	1,791,698,000	1,743,880,000
treasury stock	-1,081,391,000	-1,040,311,000	-976,756,000	-970,340,000	-970,199,000	-970,129,000	-932,065,000		-826,266,000	-766,721,000	-743,937,000	-694,960,000	-662,531,000	-612,551,000	-588,147,000	-535,129,000	-521,671,000	-481,027,000	-437,230,000	-411,344,000	-368,894,000	-368,894,000	-368,894,000	-329,906,000	-307,062,000	-281,125,000	-261,000,000	-198,995,000	-564,123,000	-564,123,000	-562,601,000	-552,845,000	-545,441,000	-494,675,000	-476,905,000	-477,165,000	-355,670,000	-273,468,000	-269,749,000	-175,890,000	-171,593,000	-150,664,000	-138,829,000	-114,856,000	-114,734,000	-112,802,000
accumulated other comprehensive loss	-226,664,000	-289,010,000		-503,040,000																							-3,531,000	-72,585,000			-111,191,000	-36,174,000
total shareholders' equity	6,022,535,000	5,890,888,000	5,771,813,000		5,612,443,000	5,229,130,000	5,128,751,000		4,814,019,000	4,863,854,000	4,874,786,000
non-controlling interests	2,390,000	2,468,000	2,565,000	2,604,000	2,755,000	2,840,000	2,884,000		3,189,000	3,543,000	3,241,000	4,709,000	4,374,000	4,203,000	3,942,000	4,639,000	7,475,000	21,574,000	22,882,000	25,295,000	7,322,000	7,428,000	7,912,000	8,124,000	8,649,000	9,037,000	8,836,000	10,936,000	10,728,000	22,614,000	22,313,000	22,967,000	29,150,000	33,905,000	34,710,000	37,083,000	38,936,000	37,201,000	33,091,000
total equity	6,024,925,000	5,893,356,000	5,774,378,000	5,550,957,000	5,615,198,000	5,231,970,000	5,131,635,000	4,907,378,000	4,817,208,000	4,867,397,000	4,878,027,000	4,687,358,000	4,514,308,000	4,741,542,000	4,853,524,000	5,368,371,000	5,396,448,000	5,354,551,000	5,262,344,000	5,291,561,000	5,226,109,000	5,104,423,000	5,034,160,000	4,863,919,000	4,837,665,000	4,718,475,000	4,531,709,000	4,443,045,000	3,625,760,000	3,576,045,000	3,517,342,000	3,518,334,000	3,370,894,000	3,402,738,000	3,356,265,000	3,267,639,000	3,416,162,000	3,412,833,000	3,390,252,000	2,922,721,000	2,870,401,000	2,786,652,000	2,767,550,000	2,692,174,000	2,597,688,000	2,543,878,000
total liabilities and equity	50,193,387,000	50,998,077,000	50,472,189,000	49,685,892,000	50,081,985,000	50,403,457,000	50,160,380,000	48,244,154,000	48,931,397,000	49,237,920,000	45,524,122,000	47,790,642,000	43,645,446,000	45,377,072,000	46,826,507,000	50,249,431,000	46,923,409,000	47,154,375,000	47,442,513,000	46,671,088,000	46,067,224,000	45,819,874,000	47,119,162,000	42,172,021,000	43,127,205,000	41,893,073,000	39,882,962,000	38,020,504,000	33,289,864,000	33,833,107,000	33,361,492,000	32,272,160,000	32,628,932,000	31,970,450,000	31,413,945,000	31,476,128,000	30,566,905,000	30,725,563,000	30,299,978,000	25,576,046,000	25,884,173,000	25,493,946,000	25,066,265,000	24,238,182,000	23,701,023,000	23,941,603,000
accumulated other comprehensive income			-362,343,000		-335,289,000	-605,502,000	-610,128,000		-928,985,000	-836,672,000	-728,554,000	-836,955,000	-904,945,000	-602,628,000		72,371,000				335,868,000				104,923,000									-5,221,000	117,632,000	93,109,000	21,587,000	85,776,000	51,792,000	90,303,000	139,190,000	161,418,000	128,979,000	163,571,000	146,255,000	108,313,000	107,839,000
available for sale securities				12,851,600,000		12,793,784,000	12,653,088,000	11,941,222,000	11,906,647,000	11,938,523,000	11,937,841,000	11,493,860,000	10,040,894,000	10,152,663,000	12,894,534,000	13,157,817,000	13,342,113,000	13,317,922,000	13,410,057,000	13,050,665,000	12,817,269,000	12,475,919,000	12,694,277,000	11,269,643,000	11,024,551,000	10,514,414,000	9,025,198,000	8,857,120,000	8,072,014,000	8,162,866,000		8,321,578,000	8,437,291,000	8,830,689,000	8,886,036,000	9,042,733,000	8,801,089,000	9,000,117,000	9,158,175,000	10,395,415,000	10,186,597,000	10,179,365,000	9,619,631,000	9,567,008,000
noninterest-bearing demand deposits				8,371,897,000						10,782,548,000	11,606,975,000	13,395,337,000	14,985,115,000	15,720,296,000	15,242,341,000	15,344,423,000	14,090,229,000	13,380,409,000	13,103,170,000	12,266,338,000	12,047,338,000	11,992,165,000	9,821,582,000	9,461,291,000	9,844,397,000	9,667,557,000	10,096,552,000	10,414,592,000	9,063,623,000	9,373,959,000	9,306,023,000	9,243,338,000	9,506,573,000	8,424,609,000	7,950,675,000	8,296,888,000	8,041,767,000	8,156,401,000	8,009,577,000	6,440,375,000	6,189,172,000	5,799,785,000	5,414,284,000	4,725,977,000	4,457,187,000	4,220,764,000
total shareholders’ equity				5,548,353,000								4,682,649,000	4,509,934,000	4,737,339,000	4,849,582,000	5,363,732,000	5,388,973,000	5,332,977,000	5,239,462,000	5,266,266,000	5,218,787,000	5,096,995,000	5,026,248,000	4,855,795,000	4,829,016,000	4,709,438,000	4,522,873,000	4,432,109,000	3,615,032,000	3,553,431,000	3,495,029,000	3,495,367,000	3,341,744,000	3,368,833,000	3,321,555,000	3,230,556,000	3,377,226,000	3,375,632,000	3,357,161,000	2,885,934,000	2,834,419,000	2,750,468,000	2,732,592,000	2,667,717,000	2,576,133,000	2,521,726,000
accrued interest, taxes and expense						305,839,000	318,622,000		244,105,000	228,797,000	268,449,000	296,870,000	212,342,000	211,419,000	238,048,000	273,041,000	220,266,000	199,014,000	290,328,000	323,667,000	335,914,000	365,634,000	309,236,000	259,701,000	218,775,000	181,413,000	173,434,000	192,826,000	231,592,000	160,568,000	156,146,000	164,895,000	140,235,000	197,742,000	148,711,000	119,584,000	158,048,000	124,568,000	147,184,000	140,434,000	180,840,000	149,508,000	155,188,000	104,493,000	135,486,000	134,107,000
investment securities								2,368,749,000																293,418,000	304,224,000	327,677,000	331,466,000	355,187,000	374,039,000	392,013,000	416,672,000	461,793,000	519,402,000	560,711,000	576,047,000	597,836,000	612,384,000	625,664,000	634,587,000	412,479,000	427,259,000	439,236,000	452,652,000	349,583,000
total earning assets								42,975,672,000
cash and other assets								5,046,478,000
total interest-bearing deposits								22,479,382,000
total interest-bearing liabilities								31,243,286,000
tax-equivalent net interest revenue								1,280,991,000
tax-equivalent net interest revenue to earning assets								2,930
less tax-equivalent adjustment								8,811,000
net interest revenue								1,272,180,000
provision for credit losses								46,000,000
other operating revenue								789,949,000
other operating expense								1,332,881,000
net income before taxes								683,248,000
federal and state income taxes								152,115,000
net income								531,133,000
net income attributable to non-controlling interests								387,000
net income attributable to bok financial corporation shareholders								530,746,000
earnings per average common share equivalent:
net income:
basic								8,020
diluted								8,020
accumulated other comprehensive gain															-417,826,000		169,172,000	226,768,000	221,409,000		365,170,000	370,316,000	331,292,000		133,753,000	98,569,000			-162,362,000	-135,305,000
available for sale debt securities																															8,249,432,000
funds purchased																															130,561,000	58,628,000	47,629,000	56,780,000	62,755,000	491,192,000	62,297,000	64,677,000	66,320,000	1,453,750,000	1,784,940,000	1,063,318,000	1,318,668,000	1,706,893,000	466,749,000
repurchase agreements																															415,763,000	516,335,000	508,352,000	472,683,000	630,101,000	722,444,000	555,677,000	712,033,000	897,663,000	1,136,948,000	1,162,546,000	1,233,064,000	1,206,793,000	1,106,163,000	1,006,051,000
receivable on unsettled available for sale securities sales																																75,980,000
due on unsettled available for sale securities purchases																																151,198,000
funds sold and resell agreements																																								11,171,000	14,609,000	10,174,000	19,193,000	12,040,000	2,462,000	21,458,000
less allowance for loan losses																																								-231,669,000	-244,209,000	-253,481,000	-271,456,000	-286,611,000	-289,549,000	-292,971,000
real estate and other repossessed assets																																								105,708,000	115,790,000		127,943,000	129,026,000	131,420,000	141,394,000
bankers’ acceptances																																								2,873,000	3,493,000	1,881,000	211,000	1,661,000	1,884,000	1,222,000
receivable on unsettled securities trades																																								32,876,000	511,288,000	75,151,000	172,641,000	170,600,000	242,828,000	135,059,000
due on unsettled securities trades																																								603,800,000	305,166,000	653,371,000	218,097,000	166,607,000	843,904,000	160,425,000
non-controlling interest																																								36,787,000	35,982,000	36,184,000	34,958,000	24,457,000	21,555,000	22,152,000
available for sale securities pledged to creditors																																														139,344,000
total available for sale securities																																										10,179,365,000	9,619,631,000	9,567,008,000
liabilities and shareholders’ equity
shareholders’ equity:
mortgage trading securities																																											672,191,000	553,231,000	326,624,000	428,021,000
securities:
available for sale																																													9,707,825,000	9,171,908,000
investment																																													343,401,000	339,553,000
total securities																																													10,377,850,000	10,078,826,000
accrued revenue receivable																																													113,060,000	148,940,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-03-31	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31

cash flows from operating activities:
net income	140,871,000	140,070,000	119,771,000	136,154,000	139,973,000	163,732,000	83,694,000	82,522,000	134,479,000	151,636,000	162,496,000	168,392,000	156,591,000	132,858,000	62,452,000	117,189,000	187,721,000	167,107,000	144,308,000	154,709,000	154,092,000	64,286,000	61,984,000	110,782,000	141,858,000	137,780,000	110,265,000	108,377,000	117,545,000	115,155,000	105,347,000	88,664,000	66,272,000	40,988,000	61,076,000	75,816,000	99,461,000	83,193,000	67,904,000	85,459,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses
change in fair value of mortgage servicing rights due to market assumption changes	2,375,000	5,019,000	7,240,000		16,453,000	-3,453,000	-10,977,000		-8,039,000	-9,261,000	6,059,000		-16,570,000	-17,485,000	-49,110,000		-12,945,000	13,041,000	-33,874,000		-3,441,000
change in the fair value of mortgage servicing rights due to principal payments	9,273,000	5,511,000	5,918,000		8,049,000	8,012,000	5,447,000		7,202,000	8,447,000	5,382,000		8,960,000	7,357,000	7,960,000		8,806,000	10,182,000	11,961,000		11,192,000	9,760,000	8,019,000		11,936,000	9,081,000	6,583,000		8,986,000	8,802,000	7,995,000
net unrealized losses from derivative contracts	-38,736,000	76,501,000	49,111,000																				15,369,000								2,222,000
share-based compensation	5,758,000	5,828,000	5,870,000	4,504,000	8,317,000	5,514,000	4,548,000	2,077,000	3,159,000	4,413,000	6,701,000	4,914,000	3,805,000	10,000	2,835,000	4,082,000	1,587,000	1,366,000	2,724,000	1,513,000	8,754,000	2,880,000	3,245,000	3,924,000	3,471,000	2,735,000	5,414,000	-1,746,000	4,094,000	-1,192,000	3,073,000	1,603,000	3,700,000	2,030,000	4,276,000	2,885,000
depreciation and amortization	28,071,000	27,337,000	27,284,000	26,898,000	26,332,000	25,684,000	26,392,000	28,891,000	24,419,000	29,698,000	26,885,000	27,348,000	27,244,000	26,880,000	26,091,000	26,272,000	26,011,000	25,267,000	24,918,000	24,683,000	27,314,000	23,818,000	23,198,000	25,654,000	23,836,000	26,514,000	19,412,000	18,844,000	14,540,000	13,898,000	13,561,000	12,516,000	22,567,000	18,907,000	15,894,000	16,335,000	12,310,000	12,326,000	13,090,000	12,348,000	12,160,000	12,369,000
net amortization of discounts and premiums	-13,118,000	-13,256,000	-12,622,000	-13,436,000	-11,522,000	-11,188,000	-8,923,000	-5,769,000	-5,483,000	-4,570,000	-4,163,000	539,000	2,259,000	3,201,000	3,216,000	4,007,000	4,679,000	4,754,000	4,853,000	3,436,000	-5,278,000	5,186,000	2,013,000	-336,000	-5,735,000
net losses on financial instruments and other losses	-8,477,000	-8,140,000	725,000
net loss on mortgage loans held for sale	-2,048,000	-1,861,000	-2,450,000
mortgage loans originated for sale	-229,812,000	-219,154,000	-159,816,000	-208,300,000	-224,749,000	-240,038,000	-139,176,000	-139,255,000	-173,727,000	-214,785,000	-138,624,000	-141,090,000	-260,210,000	-360,237,000	-418,866,000	-568,507,000	-652,336,000	-754,893,000	-843,053,000	-990,426,000	-1,040,481,000	-1,184,249,000	-548,956,000	-855,643,000	-929,919,000	-729,841,000	-510,527,000	-493,437,000	-654,992,000	-773,910,000	-664,958,000	-711,019,000	-1,818,844,000	-1,244,015,000	-1,365,485,000	-1,614,225,000		-747,435,000
proceeds from sale of mortgage loans held for sale	233,559,000	199,088,000	160,342,000	227,515,000	238,283,000	210,391,000	124,187,000	152,274,000	194,171,000	193,856,000	139,088,000	209,956,000	292,409,000	346,481,000	446,742,000	563,043,000	691,768,000	848,502,000	836,209,000	1,060,063,000	1,102,979,000	1,106,356,000	548,077,000	965,028,000	854,816,000	708,297,000	507,459,000	525,155,000	709,677,000	785,714,000	670,598,000	772,752,000	1,742,582,000	1,239,391,000	1,424,550,000	1,778,099,000		711,602,000				562,576,000
capitalized mortgage servicing rights	-3,403,000	-3,063,000	-2,509,000	-4,164,000	-3,842,000	-4,454,000	-2,516,000	-2,384,000	-3,154,000	-4,105,000	-2,498,000	-2,405,000	-4,841,000	-5,754,000	-5,215,000	-1,825,000	-11,540,000	-7,937,000	-9,830,000	-9,879,000	-7,424,000	-8,465,000	-5,441,000	-10,307,000	-9,882,000	-8,751,000	-6,188,000	-6,559,000	-8,968,000	-10,820,000	-8,900,000	-8,436,000	-20,773,000	-13,582,000	-17,171,000	-19,993,000	-9,275,000	-8,372,000	-8,285,000	-7,199,000	-5,798,000	-4,969,000
charitable contributions to bokf foundation				0	0
change in trading and fair value option securities	1,306,663,000	202,150,000	-952,339,000	241,928,000	72,941,000	228,998,000	-246,669,000	-445,863,000	886,366,000	-3,033,944,000	2,140,101,000	-2,532,171,000	668,775,000	2,178,704,000	4,104,453,000	-3,575,570,000	154,379,000	-601,135,000	-335,624,000	-2,442,923,000	-462,223,000	1,893,464,000	-1,092,249,000	768,752,000	-452,518,000	-191,009,000	-608,232,000	-174,688,000	326,117,000	-585,938,000	-588,588,000	-704,860,000	222,920,000	-132,436,000	41,559,000	-15,100,000	1,120,000	250,562,000
change in receivables	29,977,000	-81,343,000	4,337,000	102,362,000	-44,769,000	-20,639,000	284,991,000	-330,898,000	96,570,000	-93,523,000	11,032,000	-76,006,000	-20,324,000	150,588,000	-88,559,000	-58,247,000	37,144,000	44,636,000	15,650,000	1,881,515,000	-211,942,000	382,644,000	-1,107,130,000	-126,996,000	-384,899,000	453,984,000	-682,957,000	211,001,000	86,022,000	-301,738,000	-33,631,000	379,310,000	-6,434,000	-3,264,000	-15,398,000	-3,155,000	8,820,000	-18,487,000	-13,277,000	18,517,000
change in other assets	28,595,000	21,721,000	5,115,000	9,898,000	27,266,000	46,612,000	23,196,000	15,823,000	29,742,000	37,644,000	6,721,000	3,306,000	26,966,000	2,522,000	-19,589,000	-12,774,000	222,000	24,975,000	-24,991,000	10,313,000	20,778,000	-12,154,000	-17,198,000	5,974,000	17,946,000	109,000	-5,074,000	42,664,000	-16,894,000	6,086,000	-4,349,000	-6,805,000	-3,370,000	3,145,000	-11,832,000	-663,000	4,558,000	-1,720,000	-17,411,000	16,807,000	7,682,000	9,391,000
change in other liabilities	-623,701,000	-267,011,000	764,282,000	84,079,000	22,171,000	133,675,000	55,394,000	-20,807,000	-76,244,000	-11,226,000	28,544,000	118,920,000	-12,209,000	51,633,000	-107,508,000	-14,388,000	-5,326,000	82,609,000	-49,998,000	-403,791,000	39,145,000	179,684,000	193,857,000	-362,413,000	319,251,000	54,584,000	46,147,000	-369,161,000	-104,950,000	-44,884,000	379,649,000	13,059,000	-74,447,000	65,593,000	-24,914,000	18,727,000	-2,899,000	10,787,000	3,280,000	-18,353,000	-30,287,000	-4,838,000
net cash from operating activities	867,847,000	89,397,000	20,259,000	541,006,000	246,683,000	463,545,000	179,220,000	-461,759,000	1,087,712,000	-3,024,550,000	2,464,780,000	-2,221,648,000	908,626,000	2,502,038,000	3,933,254,000	-3,609,251,000	404,440,000	-268,889,000	-218,877,000	-776,783,000	-425,933,000	2,529,262,000	-1,742,802,000	582,839,000	-379,479,000	428,947,000	-1,105,986,000	-162,598,000	547,133,000	-788,204,000	-148,337,000	-168,731,000	179,813,000	5,238,000	123,295,000	260,744,000	74,281,000	316,885,000	175,303,000	33,932,000	-239,790,000	358,343,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	867,847,000	89,397,000	20,259,000	541,006,000	246,683,000	463,545,000	179,220,000	-461,759,000	1,087,712,000	-3,024,550,000	2,464,780,000	-2,221,648,000	908,626,000	2,502,038,000	3,933,254,000	-3,609,251,000	404,440,000	-268,889,000	-218,877,000	-776,783,000	-425,933,000	2,529,262,000	-1,742,802,000	582,839,000	-379,479,000	428,947,000	-1,105,986,000	-162,598,000	547,133,000	-788,204,000	-148,337,000	-168,731,000	179,813,000	5,238,000	123,295,000	260,744,000	74,281,000	316,885,000	175,303,000	33,932,000	-239,790,000	358,343,000
cash flows from investing activities:
proceeds from maturities or redemptions of investment securities	58,953,000	55,746,000	63,116,000	51,991,000	58,339,000	56,105,000	57,642,000	53,394,000	74,826,000	75,529,000	64,514,000	57,378,000	73,688,000	367,000	26,363,000	4,895,000	5,100,000	5,246,000	18,624,000	11,025,000	12,671,000	4,217,000	19,079,000	10,507,000	23,108,000	3,286,000	23,227,000	35,765,000	17,377,000	27,691,000	44,031,000	39,651,000	20,155,000	32,308,000	18,869,000	21,009,000
proceeds from maturities or redemptions of available-for-sale securities	580,306,000	483,946,000	553,866,000
purchases of available-for-sale securities	-799,284,000	-629,753,000	-619,755,000
proceeds from sales of available-for-sale securities
change in amount receivable on unsettled available-for-sale securities transactions	-7,041,000	21,538,000	-34,926,000
loans originated, net of principal collected	-566,302,000	-597,773,000	443,789,000	-116,586,000	572,893,000	-380,257,000	-271,674,000	-181,499,000	-489,701,000	-491,612,000	-187,088,000	-776,125,000	-501,736,000	-610,597,000	-460,128,000	162,715,000	1,068,764,000	1,123,180,000	498,667,000	790,911,000	399,995,000	-1,564,777,000	-729,881,000	545,782,000	-21,121,000	-471,419,000	-97,656,000	-365,271,000	-340,411,000	-666,970,000	-180,381,000	16,369,000	-388,437,000	-92,648,000	-559,935,000	-230,920,000
net proceeds from derivative asset contracts	7,812,000	-23,067,000	-19,041,000		-29,521,000
net change in restricted equity securities	45,754,000	20,833,000	90,986,000	-16,843,000	85,874,000	-92,660,000	40,550,000	12,013,000	-105,026,000	-41,905,000	11,470,000	-199,295,000	-5,226,000	-17,741,000	5,724,000	-5,571,000	57,343,000	4,729,000	31,777,000
proceeds from disposition of assets	7,252,000	10,511,000	4,918,000	7,118,000	5,429,000	7,976,000	4,624,000	2,715,000	7,857,000	21,735,000	7,401,000	43,010,000	6,200,000	1,851,000	9,708,000	24,034,000	70,563,000	26,704,000	43,739,000	-1,228,878,000	591,744,000	544,987,000	165,282,000	51,205,000	11,313,000	45,784,000	70,379,000	42,976,000	168,759,000	52,407,000	44,620,000	103,521,000	39,726,000	38,903,000	63,936,000	29,088,000	62,789,000	38,761,000	30,904,000	29,350,000	46,827,000	15,233,000
purchases of assets	-29,331,000	-28,563,000	-48,223,000	-47,138,000	-37,182,000	-46,358,000	-40,911,000	-37,016,000	-31,027,000	-39,165,000	-58,710,000	-63,726,000	-32,018,000	-81,733,000	-37,569,000	-74,141,000	-35,069,000	-31,967,000	-63,110,000	866,106,000	-590,425,000	-297,030,000	-119,785,000	-76,009,000	-57,719,000	-134,219,000	-116,692,000	-94,635,000	-128,558,000	-62,101,000	-59,788,000	-62,899,000	-31,348,000	-75,893,000	-61,860,000	-59,092,000	-9,192,000	-31,799,000		-32,873,000
net cash from investing activities	-530,536,000	-686,582,000	434,730,000	-138,840,000	780,819,000	-522,299,000	-596,912,000	-185,136,000	-636,878,000	-655,990,000	-313,260,000	-2,277,263,000	-950,806,000	-471,535,000	-903,682,000	455,227,000	1,168,585,000	1,000,924,000	-22,064,000	415,729,000	152,438,000	-1,109,554,000	-1,917,448,000	235,120,000	-403,757,000	-1,952,083,000	-203,017,000	-771,417,000	-172,084,000	-683,237,000	-180,893,000	686,099,000	-459,830,000	30,940,000	-777,671,000	-144,898,000	291,013,000	-833,053,000	-597,869,000	-626,723,000	215,727,000	-555,279,000
cash flows from financing activities:
net change in demand deposits, transaction deposits and savings accounts	40,699,000	-118,804,000	159,425,000	1,266,658,000	611,453,000	761,071,000	1,008,959,000	282,344,000	136,869,000	-415,671,000	-2,014,726,000	-1,937,909,000	-2,292,547,000	-662,216,000	-1,626,196,000	2,793,895,000	1,209,252,000	-313,686,000	1,671,518,000	1,211,725,000	1,425,473,000	4,527,875,000	1,608,360,000	1,479,784,000	846,352,000	-56,230,000	-16,970,000	392,576,000	-485,089,000	2,586,000	76,057,000	-194,784,000	435,794,000	-605,148,000	561,182,000	-314,438,000	-102,941,000	-23,410,000	496,046,000	933,375,000	-244,138,000	525,422,000
net change in time deposits	213,210,000	83,240,000	-68,982,000	-302,546,000	374,021,000	97,026,000	354,887,000	84,805,000	220,840,000	1,129,767,000	114,768,000	2,699,000	89,544,000	-144,817,000	-189,912,000	-76,387,000	-124,634,000	-99,007,000	37,228,000	-40,845,000	-344,787,000	120,287,000	14,624,000	-25,692,000	15,603,000	29,549,000	84,828,000	-50,519,000	-51,886,000	-38,522,000	67,838,000	22,048,000	-94,313,000	-64,690,000	-92,467,000	-125,848,000	-58,149,000	-215,883,000	-172,488,000	-80,230,000	-42,911,000	168,603,000
net change in other borrowed funds	-622,039,000	814,999,000	-339,662,000	-1,163,763,000	-1,872,849,000	-650,635,000	-839,632,000	-104,129,000	-302,189,000	2,886,099,000	-677,232,000	6,138,458,000	142,869,000	-400,308,000	-1,271,195,000	1,464,957,000	-1,409,698,000	-246,326,000	-1,078,174,000	-251,502,000	-867,984,000	-5,719,180,000	1,747,640,000	-1,916,328,000	58,601,000	1,353,702,000	1,614,995,000	259,935,000	-21,569,000	512,961,000	544,157,000	191,785,000	12,750,000	246,609,000	761,250,000	110,579,000
repayment of subordinated debentures	0															0																			0	0
net payments on derivative liability contracts	-22,786,000	9,581,000	19,835,000		34,709,000	-18,802,000	-1,613,000
net change in derivative margin accounts	200,997,000	77,623,000	-290,126,000	-118,344,000	225,386,000	-71,620,000	-116,706,000	319,036,000	-394,869,000	128,078,000	579,188,000	248,379,000	1,688,756,000	-142,693,000	-1,274,645,000	366,243,000	-184,391,000	-652,712,000	2,995,000	-339,269,000	-164,835,000	67,797,000	-163,911,000	-121,654,000	67,065,000	-1,811,000	-150,722,000	131,856,000	72,238,000	-94,138,000	-24,490,000	-42,693,000	-112,947,000	-75,876,000	104,893,000	-100,403,000	37,379,000	-15,630,000	-557,000	-55,099,000	38,008,000	-84,614,000
change in amount due on unsettled available-for-sale securities transactions	-3,061,000	-94,816,000	89,399,000
issuance of common and treasury stock	-99,000	-754,000	-5,422,000	-64,000	-70,000	-438,000	-3,192,000	-246,000	0	-194,000	-4,501,000	0	0	0	-4,907,000	-8,000	0	0	-4,866,000	89,000	0	0	-5,022,000	341,000	177,000	24,000	-549,000	222,000	134,000	-546,000	102,000	-167,000	825,000	1,451,000	1,914,000	-942,000	1,353,000	7,101,000	8,860,000	1,390,000	1,336,000	2,955,000
repurchase of common stock	-40,981,000	-62,801,000	-994,000	-77,000	0	-37,626,000	-52,153,000	-50,208,000	-59,545,000	-22,590,000	-44,476,000	-32,429,000	-49,980,000	-24,404,000	-48,074,000	-13,426,000	-40,644,000	-43,797,000	-20,071,000	-42,450,000	0	0	-33,380,000	-22,844,000	-25,937,000	-20,125,000	-60,577,000	-45,057,000	0	-824,000	-7,584,000				-119,780,000	-80,276,000	-2,126,000	-18,432,000	-3,580,000
dividends paid	-36,271,000	-36,549,000	-36,468,000	-36,856,000	-35,146,000	-35,410,000	-35,569,000	-35,660,000	-35,631,000	-35,751,000	-36,356,000	-36,189,000	-35,423,000	-35,893,000	-36,295,000	-36,406,000	-35,673,000	-35,834,000	-36,192,000	-36,595,000	-35,850,000	-35,850,000	-36,142,000	-36,164,000	-35,548,000	-35,732,000	-36,052,000	-35,885,000	-32,826,000	-29,294,000	-29,183,000	-28,648,000	-28,336,000	-28,384,000	-28,772,000	-28,849,000	-25,662,000	-22,348,000	-22,235,000	-18,549,000	-18,683,000	-16,956,000
net cash from financing activities	-270,331,000	539,553,000	-472,995,000	-443,505,000	-627,625,000	-20,830,000	225,174,000	620,225,000	-523,229,000	3,763,886,000	-2,189,252,000	4,291,718,000	-386,261,000	-1,360,934,000	-4,499,201,000	4,099,456,000	-940,502,000	-891,776,000	479,564,000	535,256,000	32,094,000	-1,145,013,000	3,374,506,000	-785,726,000	674,333,000	1,575,926,000	1,448,280,000	831,192,000	-587,602,000	330,808,000	611,609,000	-287,650,000	373,896,000	-367,105,000	978,602,000	-359,122,000	-432,337,000	236,109,000	436,050,000	454,911,000	326,434,000	-264,078,000
net increase in cash and cash equivalents	66,980,000	-57,632,000	-18,006,000	-41,339,000	399,877,000	-79,584,000	-192,518,000	-26,670,000	-72,395,000	83,346,000	-37,732,000	-207,193,000	-428,441,000	669,569,000	-1,469,629,000	945,432,000	632,523,000	-159,741,000	238,623,000	174,202,000	-241,401,000	274,695,000	-285,744,000	32,233,000	-108,903,000	52,790,000	139,277,000			-1,140,633,000	282,379,000	229,718,000	93,879,000	-330,927,000	324,226,000	-243,276,000			13,484,000			-461,014,000
cash and cash equivalents at beginning of period	0	0	1,434,701,000	0	0	0	1,348,265,000	0	0	0	1,401,716,000	0	0	0	2,837,410,000	0	0	0	1,180,573,000	0	0	0	1,258,821,000	0	0	0	1,143,424,000	0	0	0	2,317,054,000	2,537,497,000	0	2,643,599,000	0	0	0	986,365,000	0	0	0	1,269,404,000
cash and cash equivalents at end of period	66,980,000	-57,632,000	1,416,695,000	-41,339,000	399,877,000	-79,584,000	1,155,747,000	-26,670,000	-72,395,000	83,346,000	1,363,984,000	-207,193,000	-428,441,000	669,569,000	1,367,781,000	945,432,000	632,523,000	-159,741,000	1,419,196,000	174,202,000	-241,401,000	274,695,000	973,077,000	32,233,000	-108,903,000	52,790,000	1,282,701,000	-102,823,000	-212,553,000	-1,140,633,000	2,599,433,000	2,767,215,000	93,879,000	2,312,672,000	324,226,000	-243,276,000	-67,043,000	706,306,000	13,484,000	-137,880,000	302,371,000	808,390,000
supplemental cash flow information:
cash paid for interest	321,088,000	317,221,000	302,067,000	330,393,000	354,958,000	394,314,000	348,394,000	338,939,000	304,824,000	237,227,000	163,960,000	95,322,000	45,665,000	21,112,000	13,982,000	16,471,000	20,143,000	15,418,000	16,743,000	21,411,000	21,406,000	30,003,000	87,468,000	100,589,000	112,968,000	108,853,000	94,660,000	79,740,000	62,849,000	53,367,000	47,165,000	26,057,000		19,934,000			30,719,000	17,817,000	34,528,000	24,075,000	37,324,000	26,239,000
cash paid for taxes	22,460,000	49,029,000	1,470,000	32,709,000	28,795,000	37,738,000	1,270,000	17,824,000	32,271,000	123,088,000	733,000	12,385,000	285,000	66,004,000	858,000	14,452,000	23,885,000	96,142,000	852,000	44,204,000	86,507,000	4,617,000	853,000	9,449,000	23,190,000	53,824,000	898,000	14,918,000	47,750,000	28,075,000	1,548,000	2,602,000		6,004,000			77,973,000	3,765,000	40,947,000	27,630,000	78,623,000	9,265,000
net loans and bank premises transferred to repossessed real estate and other assets	128,000			22,000	363,000	0	77,000	420,000	142,000	0	225,000	12,000	8,234,000	4,016,000	64,000	145,000	7,886,000	142,000	147,000	43,224,000	22,543,000	1,082,000	18,474,000	2,176,000	5,883,000	1,574,000	1,032,000	367,000	5,627,000	1,730,000	2,156,000	909,000		2,211,000			29,780,000	26,041,000
residential mortgage loans guaranteed by u.s. government agencies that became eligible for repurchase during the period	10,315,000	4,129,000	19,736,000	12,959,000	4,336,000	6,762,000	1,501,000	3,787,000	2,911,000	2,212,000	5,556,000		6,481,000	8,268,000	12,568,000		13,983,000	19,062,000	36,496,000		81,900,000	137,023,000	20,277,000		21,028,000	21,288,000	22,970,000		28,321,000	23,161,000	19,332,000	30,481,000		28,594,000
conveyance of other real estate owned guaranteed by u.s. government agencies	1,232,000	1,181,000	755,000	936,000	1,072,000	469,000	1,371,000	1,527,000	1,438,000	1,419,000	1,150,000		2,404,000	1,666,000	1,812,000		1,947,000	1,561,000	1,448,000		2,910,000	561,000	5,694,000		6,965,000	7,080,000	8,404,000		8,361,000	12,028,000	11,817,000	11,704,000		15,147,000
right-of-use assets obtained in exchange for operating lease liabilities	2,343,000			-1,000,000	1,864,000	7,674,000	10,562,000	6,624,000	342,000	1,378,000	63,521,000	861,000	5,692,000	6,265,000	9,241,000	26,247,000	8,359,000	5,001,000	1,191,000	6,696,000	330,000	2,043,000	7,108,000	3,989,000	46,012,000
change in fair value of mortgage servicing rights due to market changes																							88,480,000	-9,297,000	12,593,000	29,555,000	20,666,000	24,233,000	-5,972,000	-1,723,000	-21,206,000	-1,856,000
change in fair value of mortgage servicing rights due to principal payments
proceeds from maturities or redemptions of available for sale securities						523,339,000	417,103,000	423,558,000	477,899,000	342,768,000	313,935,000	364,375,000	462,722,000	641,373,000	723,730,000	817,147,000	900,781,000	904,896,000	877,257,000	882,010,000	742,472,000	676,380,000	394,205,000	573,879,000	562,648,000	366,720,000	337,822,000	-85,693,000	388,777,000	407,205,000	412,391,000	396,410,000	385,867,000	335,565,000	235,340,000	352,284,000	1,111,379,000	1,374,819,000				738,921,000
purchases of investment securities								0	0			0																-250,000	-250,000			-14,392,000	-6,410,000	-12,189,000	-6,095,000	-9,453,000	-16,825,000	-146,000	0	0	-29,590,000	-7,495,000
purchases of available for sale securities						-661,266,000	-1,582,902,000	-1,107,595,000	-577,063,000	-635,596,000	-631,168,000	-1,817,302,000	-796,958,000	-758,026,000	-1,161,606,000	-902,563,000	-1,101,978,000	-1,150,749,000	-1,451,909,000	-1,336,768,000	-1,098,781,000	-586,861,000	-1,552,914,000	-1,442,621,000	-1,292,364,000	-1,847,078,000	-663,193,000	-550,881,000	-384,273,000	-501,657,000	-518,361,000	-391,834,000	-619,183,000	-536,078,000	-1,029,227,000	-559,755,000	-1,815,637,000	-2,346,849,000	-2,265,612,000	-2,271,084,000	-1,028,065,000	-1,939,500,000
proceeds from sales of available for sale securities						1,836,000	735,994,000	699,215,000	0			65,346,000	30,834,000	156,116,000	55,185,000	134,607,000	94,128,000	338,109,000	56,037,000	177,528,000	1,034,000	179,051,000	26,894,000	583,333,000	261,028,000	122,098,000	245,259,000	512,817,000	45,293,000	142,743,000	44,790,000	240,010,000	325,758,000	469,382,000	435,955,000	450,765,000	459,610,000	991,941,000	667,099,000	611,588,000	653,921,000	793,152,000
change in amount receivable on unsettled available for sale securities transactions						47,802,000	48,195,000	-93,581,000	18,019,000	-20,412,000	9,864,000	20,977,000	8,445,000	80,151,000	-99,944,000	166,194,000	-157,091,000	6,621,000	-26,130,000	-10,345,000	122,732,000	-96,631,000	-22,113,000	-3,600,000	57,590,000	-60,198,000	31,618,000	-29,428,000	29,700,000
net payments or proceeds on derivative asset contracts
proceeds from sale of bokf insurance
change in amount due on unsettled security purchases
net payments or proceeds on derivative liability contracts																																					-430,000	110,679,000	-27,175,000	101,740,000
transfer of available for sale securities to investment securities												0	0
benefit from credit losses					2,000,000	8,000,000	8,000,000				16,000,000	15,000,000					-23,000,000	-35,000,000	-25,000,000	-6,500,000	0	135,321,000	93,771,000	19,000,000	12,000,000	5,000,000	8,000,000	9,000,000	4,000,000	0	-5,000,000		20,000,000	35,000,000	22,500,000	7,500,000				0	2,700,000	6,250,000
net unrealized (gains) losses from derivative contracts					-15,928,000	-40,535,000	-67,516,000				61,704,000		15,327,000	-15,706,000	-31,298,000		41,086,000	-51,921,000	92,502,000		5,355,000
net incomees (gains) on financial instruments and other losses (gains)					-12,397,000	-57,407,000	40,792,000				-2,009,000	-4,439,000	-1,872,000	6,451,000	706,000		-29,004,000	-17,876,000	-10,587,000	-11,733,000	-2,030,000	-12,928,000	10,742,000	2,073,000	-3,220,000	-1,308,000	1,872,000		1,051,000	-1,063,000	5,593,000
net gain on mortgage loans held for sale					-1,895,000	-2,969,000	-1,644,000					-3,743,000	7,316,000	-5,465,000	-1,056,000	-14,041,000	-14,812,000	-22,566,000	-19,045,000	-37,506,000	-34,628,000	-29,133,000	-13,278,000	-14,599,000	-9,068,000	-11,095,000	-5,640,000	-9,463,000	-6,928,000	-11,765,000	-7,549,000	-12,457,000	-26,372,000	-10,779,000	-15,705,000	-20,883,000
change in amount due on unsettled available for sale securities transactions						-64,396,000	-89,807,000		-86,469,000	87,584,000	52,104,000		-76,056,000	149,979,000	-17,198,000		61,951,000	273,949,000	-101,311,000		-21,136,000	-84,667,000	160,211,000		-201,908,000	336,659,000	-22,923,000		-47,343,000
net proceeds from (payments on) derivative asset contracts							-5,533,000
net payments on derivative asset contracts									-12,662,000	-317,000	156,522,000		-186,757,000	116,704,000	34,855,000		266,044,000	-225,845,000	-7,016,000	-25,021,000	-29,004,000	31,110,000	-98,215,000	-7,356,000	51,760,000	22,943,000	-33,781,000	-74,932,000	31,502,000	-30,450,000	-40,537,000	361,996,000	-48,778,000	-155,263,000	135,530,000	-117,474,000		-116,683,000
net proceeds on derivative liability contracts									-2,235,000	6,564,000	-158,021,000		146,576,000	-100,582,000	-30,779,000		-266,665,000	225,637,000	8,437,000		41,213,000	-21,275,000	82,126,000		-50,072,000	-30,110,000	36,250,000		-21,261,000	22,658,000	41,486,000	-365,752,000	41,719,000	154,506,000		120,374,000
net income (gain) on mortgage loans held for sale											1,361,000
net unrealized losses (gains) from derivative contracts																								-630,000	-8,211,000	-17,790,000	695,000		-3,365,000
increase in u.s. government guaranteed loans eligible for repurchase																																					25,302,000	23,184,000	43,390,000
increase in receivables from conveyance of gnma oreo
adjustments to reconcile net income to net cash provided (used in) operating activities:
adjustments to reconcile net income to net cash provided used in operating activities:
acquisitions, net of cash acquired																												-161,885,000	0				0	-7,700,000	0	-34,000
change in accrued interest, taxes and expense																					-28,095,000	44,078,000	-7,305,000	50,494,000	26,266,000	-23,646,000	-18,220,000	-71,888,000	71,024,000	4,422,000	-8,749,000	-6,469,000	33,431,000	-13,132,000	3,070,000	11,803,000	-40,406,000	31,332,000	-5,680,000	99,121,000	-30,993,000	1,379,000
net amortization of securities discounts and premiums																											4,339,000	11,944,000	6,146,000	6,300,000	6,555,000	8,520,000	10,601,000	11,213,000	12,388,000	13,416,000	23,939,000	23,850,000		28,088,000	24,653,000	24,098,000
net incomees (gains) on financial instruments and other losses(gains)
issuance of subordinated debentures, net of issuance costs
net decrease in cash and cash equivalents																																					-67,043,000	-280,059,000
change in amount receivable on unsettled securities transactions																															72,342,000	-2,733,000	-137,180,000	34,553,000		-21,316,000	478,412,000	-436,137,000		-2,041,000
change in amount due on unsettled security transactions																															-56,774,000	130,561,000	-7,751,000	2,611,000		60,780,000	298,634,000	-348,205,000	435,274,000	51,490,000	-677,297,000	683,479,000
change in fair value of mortgage servicing rights due to loan runoff
net realized gains on financial instruments and other net gains																																-2,308,000	-5,752,000	-4,035,000
change in amount receivable on unsettled securities sales
sale of non-controlling interests																																			0	0
change in the fair value of mortgage servicing rights due to loan runoff																																7,962,000
net unrealized gains from derivative contracts																																1,093,000
change in fair value of mortgage servicing rights																																	16,283,000	27,988,000	-7,416,000	11,757,000	11,450,000	-7,127,000	5,261,000	24,822,000	13,493,000	-3,129,000
tax effect from equity compensation																																	1,465,000	-1,816,000	-280,000	99,000
change in bank-owned life insurance																																	-2,345,000	-2,170,000	-2,348,000	-2,360,000	-2,838,000	-2,871,000	-2,784,000	-2,761,000	-2,872,000	-2,863,000
issuance of subordinated debentures
unrealized losses (gains) from derivative contracts																																		-13,788,000
net realized losses (gains) on financial instruments and other assets																																			-2,611,000
unrealized gains from derivative contracts
net realized gains on financial instruments and other assets																																					-41,809,000	-18,313,000
unrealized (gains) losses from derivatives																																					-2,752,000	-4,874,000			-1,860,000	7,694,000
tax benefit on exercise of stock options																																					249,000	428,000	-165,000	-155,000	206,000	-545,000
stock-based compensation																																					2,799,000	2,004,000	2,265,000	2,328,000	2,188,000	2,615,000
mortgage loans originated for resale																																							-752,701,000	-637,961,000	-484,020,000	-418,754,000
proceeds from sale of mortgage loans held for resale																																							814,820,000	541,559,000
loans originated net of principal collected																																					-8,306,000	-319,043,000		-369,889,000
proceeds from derivative asset contracts
net change in other borrowings																																					-533,264,000	762,665,000		-456,495,000	1,393,398,000	-1,607,694,000
repayment of subordinated debt
increase in receivables from conveyance of other real estate owned guaranteed by u.s. government agencies																																					15,822,000	18,425,000
adjustments to reconcile net income before non-controlling interest to net cash from operating activities:
proceeds from maturities of investment securities																																						12,083,000	13,381,000	27,653,000	23,376,000	3,610,000
adjustments to reconcile net income to cash from operating activities:
benefit from (reduction of) allowances for credit losses
net amortization (accretion) of securities premiums and discounts
proceeds from maturities of available for sale securities																																							952,833,000	1,481,899,000
change in amount receivable on unsettled security transactions																																										-107,769,000
loans originated or acquired net of principal collected																																										21,873,000
purchase of mortgage servicing rights
purchases of other assets																																										-7,443,000
net change in other borrowings, subsidiary bank
pay down of other borrowings, holding companies
net loans and bank premises transferred to repossessed real estate
unrealized gains from derivatives
change in trading securities, including mortgage trading securities																																								-128,753,000	-245,726,000	76,145,000
net realized (gains) losses on financial instruments and other assets																																									-7,067,000	-9,722,000
net loans transferred to repossessed real estate and other assets																																									12,884,000	21,010,000
increase in u.s. government guaranteed loans elgible for repurchase
accrued purchase of mortgage servicing rights
net income before non-controlling interest																																										64,766,000
change in accrued revenue receivable																																										35,880,000
net (payments on) proceeds from derivative asset contracts																																										-65,861,000
net (payments on) proceeds from derivative liability contracts																																										64,182,000
adjustments to reconcile net income before non-controlling interest to cash from operating activities:
net change in other investment assets
net change in other borrowings, banks
issuance of other borrowings, holding companies

BOK Financial Corporation(NASDAQ:BOKF)

BOK Financial Corporation
(NASDAQ:BOKF)