Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2011 is as follows (in thousands):

	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	86,513		$	24,553		$	6,159		$	58,159		$	175,384
Net interest revenue (expense) from internal sources		(6,467	)		8,108			4,447			(6,088	)		–
Net interest revenue		80,046			32,661			10,606			52,071			175,384
Provision for credit losses		5,141			3,837			1,147			(10,125	)		–
Net interest revenue after provision for credit losses		74,905			28,824			9,459			62,196			175,384
Other operating revenue		40,108			80,441			46,010			7,418			173,977
Other operating expense		59,942			85,195			49,396			26,363			220,896
Income before taxes		55,071			24,070			6,073			43,251			128,465
Federal and state income tax		21,423			9,363			2,362			9,858			43,006
Net income		33,648			14,707			3,711			33,393			85,459
Net income attributable to non-controlling interest		–			–			–			358			358
Net income attributable to BOK Financial Corp.	$	33,648		$	14,707		$	3,711		$	33,035		$	85,101

Average assets	$	9,788,982		$	5,914,337		$	3,992,965		$	4,925,454		$	24,621,738
Average invested capital		886,538			273,143			175,478			1,403,247			2,738,406

Performance measurements:
Return on average assets		1.36	%		0.99	%		0.37	%					1.37	%
Return on average invested capital		15.06	%		21.36	%		8.39	%					12.33	%
Efficiency ratio		49.89	%		66.15	%		87.42	%					60.13	%

Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2011 is as follows (in thousands):

	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	257,152		$	64,574		$	20,254		$	178,044		$	520,024
Net interest revenue (expense) from internal sources		(22,922	)		25,188			10,850			(13,116	)		–
Net interest revenue		234,230			89,762			31,104			164,928			520,024
Provision for credit losses		16,746			9,568			2,208			(19,572	)		8,950
Net interest revenue after provision for credit losses		217,484			80,194			28,896			184,500			511,074
Other operating revenue		111,726			175,408			128,578			18,803			434,515
Other operating expense		174,012			209,249			139.256			80,037			602,554
Income before taxes		155,198			46,353			18,218			123,266			343,035
Federal and state income tax		60,372			18,031			7,087			35,625			121,115
Net income		94,826			28,322			11,131			87,641			221,920
Net income attributable to non-controlling interest		–			–			–			3,038			3,038
Net income attributable to BOK Financial Corp.	$	94,826		$	28,322		$	11,131		$	84,603		$	218,882

Average assets	$	9,459,367		$	5,965,955		$	3,758,570		$	4,925,924		$	24,109,816
Average invested capital		874,259			272,167			175,478			1,330,097			2,652,001

Performance measurements:
Return on average assets		1.34	%		0.63	%		0.40	%					1.21	%
Return on average invested capital		14.50	%		13.91	%		8.48	%					11.03	%
Efficiency ratio		50.30	%		73.11	%		87.58	%					61.15	%

Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2010 is as follows (in thousands):

	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	87,492		$	22,816		$	7,154		$	63,253		$	180,715
Net interest revenue (expense) from internal sources		(11,997	)		12,044			3,310			(3,357	)		–
Net interest revenue		75,495			34,860			10,464			59,896			180,715
Provision for credit losses		9,508			6,967			4,042			(517	)		20,000
Net interest revenue after provision for credit losses		65,987			27,893			6,422			60,413			160,715
Other operating revenue		32,917			65,366			42,407			(3,017	)		137,673
Other operating expense		53,094			76,433			45,906			29,732			205,165
Income before taxes		45,810			16,826			2,923			27,664			93,223
Federal and state income tax		17,820			6,545			1,137			4,433			29,935
Net income		27,990			10,281			1,786			23,231			63,288
Net income attributable to non-controlling interest		–			–			–			(979	)		(979	)
Net income attributable to BOK Financial Corp.	$	27,990		$	10,281		$	1,786		$	24,210		$	64,267

Average assets	$	8,940,812		$	6,302,934		$	3,591,901		$	5,356,643		$	24,192,290
Average invested capital		889,282			243,059			170,918			1,179,160			2,482,419

Performance measurements:
Return on average assets		1.24	%		0.65	%		0.20	%					1.05	%
Return on average invested capital		12.49	%		16.78	%		4.15	%					10.27	%
Efficiency ratio		48.97	%		65.65	%		87.16	%					59.07	%

Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2010 is as follows (in thousands):

	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	258,211		$	63,809		$	23,448		$	199,934		$	545,402
Net interest revenue (expense) from internal sources		(37,215	)		35,367			8,925			(7,077	)		–
Net interest revenue		220,996			99,176			32,373			192,857			545,402
Provision for credit losses		60,361			20,975			9,945			6,859			98,140
Net interest revenue after provision for credit losses		160,635			78,201			22,428			185,998			447,262
Other operating revenue		96,142			181,247			121,751			9,855			408,995
Other operating expense		169,312			201,956			130,649			72,892			574,809
Income before taxes		87,465			57,492			13,530			122,961			281,448
Federal and state income tax		34,024			22,364			5,263			30,609			92,260
Net income		53,441			35,128			8,267			92,352			189,188
Net income attributable to non-controlling interest		–			–			–			1,266			1,266
Net income attributable to BOK Financial Corp.	$	53,441		$	35,128		$	8,267		$	91,086		$	187,922

Average assets	$	9,053,645		$	6,220,522		$	3,409,149		$	4,802,526		$	23,485,842
Average invested capital		908,618			278,626			168,686			982,971			2,338,901

Performance measurements:
Return on average assets		0.79	%		0.76	%		0.32	%					1.07	%
Return on average invested capital		7.86	%		16.86	%		6.55	%					10.74	%
Efficiency ratio		53.11	%		72.08	%		85.11	%					59.25	%