Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended June 30, 2012 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	93,360		$	23,125		$	7,137		$	57,739		$	181,361
Net interest revenue (expense) from internal sources	(11,164		)	5,885			5,306			(27		)	—
Net interest revenue	82,196			29,010			12,443			57,712			181,361
Provision for (reduction of ) allowances for credit losses	748			4,221			521			(13,490		)	(8,000		)
Net interest revenue after provision for (reduction of) allowances for credit losses	81,448			24,789			11,922			71,202			189,361
Other operating revenue	52,158			75,200			51,556			8,121			187,035
Other operating expense	62,625			75,888			53,209			32,064			223,786
Income before taxes	70,981			24,101			10,269			47,259			152,610
Federal and state income tax	27,612			9,375			3,995			12,167			53,149
Net income	43,369			14,726			6,274			35,092			99,461
Net income attributable to non-controlling interest	—			—			—			1,833			1,833
Net income attributable to BOK Financial Corp.	$	43,369		$	14,726		$	6,274		$	33,259		$	97,628

Average assets	$	9,934,469		$	5,695,019		$	4,194,153		$	5,714,876		$	25,538,517
Average invested capital	862,816			289,443			176,704			1,539,770			2,868,733

Performance measurements:
Return on average assets	1.76		%	1.04		%	0.60		%				1.54		%
Return on average invested capital	20.22		%	20.46		%	14.28		%				13.69		%
Efficiency ratio	52.19		%	69.07		%	83.57		%				62.45		%

Reportable segments reconciliation to the Consolidated Financial Statements for the six months ended June 30, 2012 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	182,698		$	46,939		$	14,277		$	111,016		$	354,930
Net interest revenue (expense) from internal sources	(22,920		)	12,005			10,279			636			—
Net interest revenue	159,778			58,944			24,556			111,652			354,930
Provision for (reduction of) allowances for credit losses	7,140			5,653			1,171			(21,964		)	(8,000		)
Net interest revenue after provision for (reduction of) allowances for credit losses	152,638			53,291			23,385			133,616			362,930
Other operating revenue	90,950			126,297			97,949			12,220			327,416
Other operating expense	118,485			123,640			104,484			62,414			409,023
Income before taxes	125,103			55,948			16,850			83,422			281,323
Federal and state income tax	48,665			21,764			6,555			21,685			98,669
Net income	76,438			34,184			10,295			61,737			182,654
Net income attributable to non-controlling interest	—			—			—			1,411			1,411
Net income attributable to BOK Financial Corp.	$	76,438		$	34,184		$	10,295		$	60,326		$	181,243

Average assets	$	10,008,708		$	5,757,046		$	4,195,283		$	5,566,513		$	25,527,550
Average invested capital	864,167			288,351			176,149			1,523,316			2,851,983

Performance measurements:
Return on average assets	1.54		%	1.19		%	0.49		%				1.43		%
Return on average invested capital	17.79		%	23.91		%	11.75		%				12.78		%
Efficiency ratio	50.14		%	66.60		%	85.48		%				61.14		%

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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	85,325		$	21,358		$	7,926		$	59,392		$	174,001
Net interest revenue (expense) from internal sources	(7,444		)	7,675			3,696			(3,927		)	—
Net interest revenue	77,881			29,033			11,622			55,465			174,001
Provision for (reduction of) allowances for credit losses	4,829			3,049			623			(5,801		)	2,700
Net interest revenue after provision for (reduction of) allowances for credit losses	73,052			25,984			10,999			61,266			171,301
Other operating revenue	36,014			57,486			42,788			6,672			142,960
Other operating expense	57,447			71,852			47,397			26,513			203,209
Income before taxes	51,619			11,618			6,390			41,425			111,052
Federal and state income tax	20,080			4,519			2,486			12,272			39,357
Net income	31,539			7,099			3,904			29,153			71,695
Net income attributable to non-controlling interest	—			—			—			2,688			2,688
Net income attributable to BOK Financial Corp.	$	31,539		$	7,099		$	3,904		$	26,465		$	69,007
Average assets	$	9,174,216		$	5,864,942		$	3,883,815		$	5,056,262		$	23,979,235
Average invested capital	867,491			271,353			176,070			1,335,975			2,650,889
Performance measurements:
Return on average assets	1.38		%	0.49		%	0.40		%				1.15		%
Return on average invested capital	14.58		%	10.49		%	8.89		%				10.44		%
Efficiency ratio	50.44		%	77.47		%	87.95		%				62.23		%

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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	168,583		$	40,022		$	16,150		$	119,885		$	344,640
Net interest revenue (expense) from internal sources	(16,718		)	17,080			6,667			(7,029		)	—
Net interest revenue	151,865			57,102			22,817			112,856			344,640
Provision for (reduction of) allowances for credit losses	11,605			5,731			1,061			(9,447		)	8,950
Net interest revenue after provision for (reduction of) allowances for credit losses	140,260			51,371			21,756			122,303			335,690
Other operating revenue	71,430			94,968			82,756			11,384			260,538
Other operating expense	113,198			124,054			91,102			53,304			381,658
Income before taxes	98,492			22,285			13,410			80,383			214,570
Federal and state income tax	38,313			8,669			5,216			25,911			78,109
Net income	60,179			13,616			8,194			54,472			136,461
Net income attributable to non-controlling interest	—			—			—			2,680			2,680
Net income attributable to BOK Financial Corp.	$	60,179		$	13,616		$	8,194		$	51,792		$	133,781

Average assets	$	9,068,308		$	5,992,191		$	3,862,949		$	4,926,163		$	23,849,611
Average invested capital	865,439			272,301			175,506			1,294,835			2,608,081

Performance measurements:
Return on average assets	1.34		%	0.46		%	0.43		%				1.13		%
Return on average invested capital	14.02		%	10.08		%	9.41		%				10.34		%
Efficiency ratio	50.70		%	77.44		%	86.76		%				61.70		%