XML 64 R8.htm IDEA: XBRL DOCUMENT v2.4.1.9
Consolidated Statements of Cash Flow (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 63,887us-gaap_NetIncomeLoss $ 54,317us-gaap_NetIncomeLoss $ 51,900us-gaap_NetIncomeLoss
Adjustments to reconcile to net cash provided by operating activities:      
Provision for loan losses 3,072us-gaap_ProvisionForLoanAndLeaseLosses 1,258us-gaap_ProvisionForLoanAndLeaseLosses 3,100us-gaap_ProvisionForLoanAndLeaseLosses
Depreciation and amortization 11,349us-gaap_DepreciationDepletionAndAmortization 11,077us-gaap_DepreciationDepletionAndAmortization 10,840us-gaap_DepreciationDepletionAndAmortization
Net amortization of securities premiums and discounts 910us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 1,563us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 1,401us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments
Realized securities gains (1,641)us-gaap_GainLossOnSaleOfSecuritiesNet (420)us-gaap_GainLossOnSaleOfSecuritiesNet (4,915)us-gaap_GainLossOnSaleOfSecuritiesNet
Gain on sales of loans (1,813)us-gaap_GainLossOnSalesOfLoansNet (2,306)us-gaap_GainLossOnSalesOfLoansNet (2,773)us-gaap_GainLossOnSalesOfLoansNet
Cash receipts from the sale of loans originated for sale 152,440us-gaap_ProceedsFromSaleOfLoansHeldForSale 200,946us-gaap_ProceedsFromSaleOfLoansHeldForSale 231,802us-gaap_ProceedsFromSaleOfLoansHeldForSale
Cash disbursements for loans originated for sale (153,592)us-gaap_PaymentsToPurchaseLoansHeldForSale (193,853)us-gaap_PaymentsToPurchaseLoansHeldForSale (230,666)us-gaap_PaymentsToPurchaseLoansHeldForSale
Deferred income tax benefit (3,683)us-gaap_DeferredIncomeTaxExpenseBenefit (483)us-gaap_DeferredIncomeTaxExpenseBenefit (689)us-gaap_DeferredIncomeTaxExpenseBenefit
Gain on other assets (760)us-gaap_GainLossOnSaleOfOtherAssets (790)us-gaap_GainLossOnSaleOfOtherAssets (232)us-gaap_GainLossOnSaleOfOtherAssets
(Increase)/decrease in interest receivable (309)us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet 284us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet 2,686us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet
Decrease in interest payable (333)us-gaap_IncreaseDecreaseInInterestPayableNet (375)us-gaap_IncreaseDecreaseInInterestPayableNet (540)us-gaap_IncreaseDecreaseInInterestPayableNet
Amortization of stock-based compensation arrangements 1,676us-gaap_ShareBasedCompensation 1,360us-gaap_ShareBasedCompensation 1,530us-gaap_ShareBasedCompensation
Other, net 5,719us-gaap_OtherOperatingActivitiesCashFlowStatement 5,512us-gaap_OtherOperatingActivitiesCashFlowStatement (3,148)us-gaap_OtherOperatingActivitiesCashFlowStatement
Net cash provided by operating activities 76,922us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 78,090us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 60,296us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
INVESTING ACTIVITIES      
Net cash and due from banks provided by acquisitions 174,283us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired    
Net decrease/(increase) in federal funds sold 4,619us-gaap_IncreaseDecreaseInFederalFundsSold 700us-gaap_IncreaseDecreaseInFederalFundsSold (300)us-gaap_IncreaseDecreaseInFederalFundsSold
Purchases of held for investment securities (708)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (902)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (2,525)us-gaap_PaymentsToAcquireHeldToMaturitySecurities
Purchases of available for sale securities (224,217)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (157,139)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (106,759)us-gaap_PaymentsToAcquireAvailableForSaleSecurities
Proceeds from maturities, calls and paydowns of held for investment securities 4,101us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities 5,816us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities 8,616us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
Proceeds from maturities, calls and paydowns of available for sale securities 225,394us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 181,769us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 145,740us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
Proceeds from sales of available for sale securities 4,855us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 521us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 6,025us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
Purchases of loans (76,315)us-gaap_PaymentsToAcquireFinanceReceivables (66,587)us-gaap_PaymentsToAcquireFinanceReceivables (29,380)us-gaap_PaymentsToAcquireFinanceReceivables
Proceeds from sales of loans 30,201us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment 88,166us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment 49,385us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment
Net other increase in loans (319,950)us-gaap_PaymentsForProceedsFromOtherLoansAndLeases (174,915)us-gaap_PaymentsForProceedsFromOtherLoansAndLeases (252,905)us-gaap_PaymentsForProceedsFromOtherLoansAndLeases
Purchases of premises, equipment and computer software (11,490)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (13,896)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (13,438)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment
Proceeds from the sale of other assets 5,851us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment 5,389us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment 9,651us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment
Net cash used in investing activities (183,376)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations (131,078)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations (185,890)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
FINANCING ACTIVITIES      
Net increase in demand, transaction and savings deposits 305,940us-gaap_IncreaseDecreaseInDeposits 47,914us-gaap_IncreaseDecreaseInDeposits 467,688us-gaap_IncreaseDecreaseInDeposits
Net decrease in time deposits (122,569)us-gaap_IncreaseDecreaseInTimeDeposits (69,225)us-gaap_IncreaseDecreaseInTimeDeposits (64,593)us-gaap_IncreaseDecreaseInTimeDeposits
Net (decrease)/increase in short-term borrowings (608)us-gaap_ProceedsFromRepaymentsOfShortTermDebt 19us-gaap_ProceedsFromRepaymentsOfShortTermDebt (3,703)us-gaap_ProceedsFromRepaymentsOfShortTermDebt
Pay down of long-term borrowings (6,938)us-gaap_RepaymentsOfLongTermDebt (2,240)us-gaap_RepaymentsOfLongTermDebt (9,298)us-gaap_RepaymentsOfLongTermDebt
Issuance of common stock 6,532us-gaap_ProceedsFromIssuanceOfCommonStock 5,200us-gaap_ProceedsFromIssuanceOfCommonStock 3,540us-gaap_ProceedsFromIssuanceOfCommonStock
Common stock acquired   (2,710)us-gaap_PaymentsForRepurchaseOfCommonStock (256)us-gaap_PaymentsForRepurchaseOfCommonStock
Redemption of junior subordinated debentures     (9,279)banf_RedemptionOfJuniorSubordinatedNotes
Cash dividends paid (19,543)us-gaap_PaymentsOfDividendsCommonStock (13,583)us-gaap_PaymentsOfDividendsCommonStock (21,090)us-gaap_PaymentsOfDividendsCommonStock
Net cash provided by (used in) financing activities 162,814us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations (34,625)us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations 363,009us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
Net increase /(decrease) in cash, due from banks and interest-bearing deposits 56,360us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease (87,613)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 237,415us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash, due from banks and interest-bearing deposits at the beginning of the period 1,857,535us-gaap_CashAndCashEquivalentsAtCarryingValue 1,945,148us-gaap_CashAndCashEquivalentsAtCarryingValue 1,707,733us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash, due from banks and interest-bearing deposits at the end of the period 1,913,895us-gaap_CashAndCashEquivalentsAtCarryingValue 1,857,535us-gaap_CashAndCashEquivalentsAtCarryingValue 1,945,148us-gaap_CashAndCashEquivalentsAtCarryingValue
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:      
Cash paid during the year for interest 13,135us-gaap_InterestPaidNet 14,142us-gaap_InterestPaidNet 18,312us-gaap_InterestPaidNet
Cash paid during the year for income taxes 26,178us-gaap_IncomeTaxesPaidNet 20,946us-gaap_IncomeTaxesPaidNet 25,975us-gaap_IncomeTaxesPaidNet
Noncash investing and financing activities:      
Unpaid common stock dividends declared $ 5,265us-gaap_DividendsPayableCurrentAndNoncurrent $ 4,744us-gaap_DividendsPayableCurrentAndNoncurrent