EX-13 7 exhibit13.txt EXHIBIT 13 2003 ANNUAL REPORT - TABLE OF CONTENTS Exhibit 13 BOK FINANCIAL CORPORATION EXHIBIT 13 ANNUAL REPORT TO SHAREHOLDERS Table of Contents Consolidated Selected Financial Data 10 Management's Assessment of Operations and Financial Condition 11 Selected Quarterly Financial Data 19 Report of Management on Financial Statements 38 Report of Independent Auditors 39 Consolidated Financial Statements 40 Notes to Consolidated Financial Statements 45 Annual Financial Summary - Unaudited 77 Quarterly Financial Summary - Unaudited 79