0000875357-12-000042.txt : 20121031 0000875357-12-000042.hdr.sgml : 20121031 20121031123607 ACCESSION NUMBER: 0000875357-12-000042 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20121031 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20121031 DATE AS OF CHANGE: 20121031 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BOK FINANCIAL CORP ET AL CENTRAL INDEX KEY: 0000875357 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 731373454 STATE OF INCORPORATION: OK FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19341 FILM NUMBER: 121170155 BUSINESS ADDRESS: STREET 1: BANK OF OKLAHOMA TOWER STREET 2: PO BOX 2300 CITY: TULSA STATE: OK ZIP: 74192 BUSINESS PHONE: 9185953025 MAIL ADDRESS: STREET 1: BANK OF OKLAHOMA TOWER STREET 2: P O BOX 2300 CITY: TULSA STATE: OK ZIP: 74192 8-K 1 bokf-120930x8k.htm 8-K BOKF-12.09.30-8K


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):
October 31, 2012

Commission File No. 0-19341

BOK FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

Oklahoma
 
73-1373454
(State or other jurisdiction
of Incorporation or Organization)
 
(IRS Employer
Identification No.)
 
 
 
Bank of Oklahoma Tower
 
 
P.O. Box 2300
 
 
Tulsa, Oklahoma
 
74192
(Address of Principal Executive Offices)
 
(Zip Code)
 
(918) 588-6000
(Registrant’s telephone number, including area code)

N/A
___________________________________________
(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

|_| Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425).

|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).

|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).

|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).






INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02. Results of Operations and Financial Condition.

On October 31, 2012, BOK Financial Corporation (“BOK Financial”) issued a press release announcing its financial results for the three and nine months ended September 30, 2012 (“Press Release”). The full text of the Press Release is attached as Exhibit 99(a) to this report and is incorporated herein by reference. On October 31, 2012, in connection with issuance of the Press Release, BOK Financial released financial information related to the three and nine months ended September 30, 2012 (“Financial Information”), which includes certain historical financial information relating to BOK Financial. The Financial Information is attached as Exhibit 99(b) to this report and is incorporated herein by reference.


ITEM 9.01. Financial Statements and Exhibits.

(a)
Exhibits

99
Text of Press Release, dated October 31, 2012 titled “BOK Financial Reports Quarterly Earnings of $87 million -- Mortgage Banking Revenue Drives Results; Company Declares Special Dividend” and Financial Information for the Three and Nine Months Ended September 30, 2012




Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


BOK FINANCIAL CORPORATION




By: /s/ Steven E. Nell            
Steven E. Nell
Executive Vice President
Chief Financial Officer
Date: October 31, 2012



 EX-99.A 2 bokf-20120930xex99.htm EXHIBIT BOKF-2012.09.30-EX 99


Exhibit 99 (a)

NASD: BOKF


For Further Information Contact:
Steven Nell             Andrea Myers
Chief Financial Officer     Corporate Communications
(918) 588-6752         (918) 594-7794

BOK Financial Reports Quarterly Earnings of $87 Million
Mortgage Banking Revenue Drives Results; Company Declares Special Dividend

TULSA, Okla. (Wednesday, October 31, 2012) - BOK Financial Corporation reported net income of $87.4 million or $1.27 per diluted share for the third quarter of 2012, compared to net income of $97.6 million or $1.43 per diluted share for the second quarter of 2012 and net income of $85.1 million or $1.24 per diluted share for the third quarter of 2011. A gain on the sale of common stock received in settlement of a defaulted loan and a negative provision for credit losses increased net income by $14 million or $0.21 per diluted share in the second quarter of 2012.
Net income for the nine months ended September 30, 2012 totaled $268.6 million or $3.92 per diluted share compared to $218.9 million or $3.19 per diluted share for the nine months ended September 30, 2011.
“BOK Financial's strong financial results for the third quarter continue to reflect the strength of our diversified revenue business model,” said President and CEO Stan Lybarger. “The prolonged low interest rate environment has enabled our mortgage banking professionals to assist a record number of customers in the purchase or refinance of their home. We experienced strong commercial loan growth and continued growth in our deposit base. We are also very pleased to welcome The Milestone Group to BOK Financial. The Milestone Group is a Denver-based registered investment adviser which provides wealth management services to high net worth clients in Colorado and Nebraska."
Highlights of third quarter of 2012 included:
•
Net interest revenue totaled $176.0 million for the third quarter of 2012 compared to $181.4 million for the second quarter of 2012. Net interest margin was 3.12% for the third quarter of 2012 and 3.30% for the second quarter of 2012. The yield on our securities portfolio continued to decline as cash flows are reinvested at lower rates. In addition, net interest revenue for the second quarter of 2012 included $2.9 million from the full recovery of a nonaccruing commercial loan. Excluding this recovery, net interest margin for the second quarter was 3.25%.
•
Fees and commissions revenue totaled $166.3 million, up $11.9 million or 8% over the second quarter of 2012. Mortgage banking revenue increased $10.7 million due to record mortgage loan production volumes and improved pricing of loans sold.

1


•
Operating expenses, excluding changes in the fair value of mortgage servicing rights, totaled $212.8 million, up $1.2 million or less than 1% over the previous quarter. Personnel expense increased $478 thousand. Non-personnel expense increased $725 thousand.
•
No provision for credit losses was recorded in the third quarter of 2012 compared to an $8.0 million negative provision for credit losses in the second quarter of 2012. Net charge-offs totaled $5.7 million or 0.19% of average loans on an annualized basis in the third quarter of 2012 compared to net charge-offs of $4.8 million or 0.17% of average loans on an annualized basis in the second quarter of 2012. Gross charge-offs continue to decline, down $2.6 million from the previous quarter. Third quarter recoveries were reduced by $7.1 million due to the refund of a settlement between BOK Financial and the City of Tulsa.
•
The combined allowance for credit losses totaled $236 million or 1.99% of outstanding loans at September 30, 2012 compared to $241 million or 2.09% of outstanding loans at June 30, 2012. Nonperforming assets totaled $264 million or 2.21% of outstanding loans and repossessed assets at September 30, 2012 and $279 million or 2.38% of outstanding loans and repossessed assets at June 30, 2012.
•
Outstanding loan balances were $11.8 billion at September 30, 2012, up $256 million over the prior quarter. Commercial loan balances grew by $221 million or 13% on an annualized basis over June 30, 2012. Commercial real estate loans grew by $39 million and residential mortgage loans grew by $14 million, partially offset by an $18 million decrease in consumer loans.
•
Available for sale securities grew by $1.1 billion during the third quarter to $11.5 billion at September 30, 2012. The Company increased its holdings of short-duration U.S. government guaranteed residential mortgage-backed securities during the third quarter.
•
Period end deposits totaled $19.1 billion at September 30, 2012 compared to $18.4 billion at June 30, 2012. Interest-bearing transaction accounts increased $451 million and demand deposit accounts increased $408 million, partially offset by an $86 million decrease in time deposits.
•
Tangible common equity ratio was 9.67% at September 30, 2012 and 10.07% at June 30, 2012. The tangible common equity ratio is a non-GAAP measure of capital strength used by the Company and investors based on shareholders' equity minus intangible assets and equity that does not benefit common shareholders. The Company and its subsidiary bank continue to exceed the regulatory definition of well capitalized. The Company's Tier 1 capital ratios, as defined by banking regulations, were 13.21% at September 30, 2012 and 13.62% at June 30, 2012.
•
The Company paid a cash dividend of $26 million or $0.38 per common share during the third quarter of 2012. On October 30, 2012, the board of directors approved a quarterly cash dividend of $0.38 per common share payable on or about November 30, 2012 to shareholders of record as of November 16, 2012.
•
On October 30, 2012, the board of directors also approved a special cash dividend of $1.00 per common share payable on or about November 30, 2012 to shareholders of record as of November 16, 2012.

2


Net Interest Revenue
Net interest revenue decreased $5.3 million compared to the second quarter of 2012. Net interest margin was 3.12% for the third quarter of 2012 compared to 3.30% for the second quarter of 2012. Net interest revenue for the second quarter included $2.9 million from the full recovery of a nonaccruing commercial loan. Excluding this interest recovery, net interest margin was 3.25% for the second quarter of 2012.
The yield on average earning assets decreased 22 basis points compared to the prior quarter. The available for sale securities portfolio yield decreased 16 basis points to 2.38% due primarily to the continued reinvestment of cash flows from the portfolio at lower current rates. The loan portfolio yield decreased by 15 basis points to 4.33%, excluding the impact of the previously noted interest recovery in the second quarter. The loan yield decrease was largely due to renewals of maturing fixed-rate loans at current lower rates and narrowing credit spreads in this prolonged low interest rate environment, and a reduction in fees recognized when loans prepay. The cost of interest-bearing liabilities decreased 4 basis points from the previous quarter to 0.52%. The average rate of interest paid on subordinated debentures decreased to 2.79% in the third quarter of 2012 compared to 3.95% in the second quarter of 2012. The interest rate on $233 million of these subordinated debentures converted from a fixed interest rate of 5.75% to a floating interest rate based on LIBOR plus 0.69% during the second quarter.
Average earning assets increased $1.2 billion during the third quarter of 2012. The average balance of the available for sale securities portfolio increased $967 million over the second quarter of 2012 due primarily to growth in residential and commercial mortgage-backed securities issued by U.S. government agencies. Average outstanding loans increased $125 million due primarily to a $140 million increase in commercial loan balances. The average balance of residential mortgage loans held for sale increased $73 million over the second quarter of 2012 due to increased origination volumes.
Average deposits increased $325 million over the previous quarter. Demand deposit balances were up $440 million. Time deposit account balances decreased $63 million and interest-bearing transaction account balances decreased $60 million. In addition, average balances of borrowed funds decreased $34 million compared to the second quarter of 2012.
Fees and Commissions Revenue
Fees and commissions revenue totaled $166.3 million, up $11.9 million over the second quarter of 2012 due primarily to a $10.7 million increase in mortgage banking revenue.
Growth in mortgage banking revenue was due to record mortgage loan production volumes and improved pricing of loans sold. Residential mortgage loans funded for sale totaled $1.0 billion for the third quarter of 2012, up $205 million or 24% over the previous quarter. Refinanced mortgage loans were 61% of loans originated for sale in the third quarter of 2012 compared to 51% of the loans originated for sale in the second quarter of 2012. Growth in mortgage loan production volume was stimulated by continued low primary mortgage interest rates and government programs that encourage refinancing. In addition to growth in loans funded, outstanding mortgage loan commitments at September 30, 2012 were up $60 million or 15% over June 30, 2012. Mortgage banking revenue also increased due to improved pricing of loans sold which resulted from government actions to reduce secondary market interest rates. Average secondary market rates for the third quarter of 2012 decreased nearly 50 basis points compared to the previous quarter.

3


Other sources of fees and commissions revenue were up modestly over the previous quarter. Transaction card revenue increased $1.0 million due primarily to an increase in the number of transactions processed by our TransFund electronic funds transfer network and for merchant services clients. Brokerage and trading revenue was down $1.3 million. Growth in securities trading and customer hedging revenue was partially offset by decreased retail brokerage and investment banking fees. Securities trading revenue increased $2.9 million. Excluding the impact of a $2.9 million recovery of derivative contract losses from the 2008 Lehman Brothers bankruptcy during the second quarter of 2012, customer hedging revenue increased $673 thousand. Retail brokerage revenue decreased $1.4 million and investment banking revenues decreased $577 thousand. Trust fees and commissions revenue and deposit service charges and fees were largely unchanged compared to the second quarter of 2012.
Operating Expenses
Total operating expenses were $222.3 million for the third quarter of 2012 compared to $223.0 million for the second quarter of 2012. Excluding changes in the fair value of mortgage servicing rights, operating expenses totaled $212.8 million, up $1.2 million over the second quarter of 2012.
Personnel costs increased $478 thousand over the second quarter of 2012. Regular compensation expense was up $1.5 million primarily due to increases in personnel headcount. Incentive compensation expense decreased $1.3 million. Stock-based incentive compensation expense decreased $4.1 million primarily due to the timing of accruals for the BOK Financial Corporation True-Up Plan, which provides incentive compensation for certain senior executives based on earnings per share performance and compensation of comparable senior executives at peer banks. Cash-based incentive compensation, which rewards employees as they generate business opportunities for the Company by growing loans, deposits, customer relationships or other measurable metrics, increased $2.8 million.
Non-personnel expense increased $725 thousand over the second quarter of 2012. Data processing and communications expense increased $1.2 million primarily due to impairment charges on two discontinued software projects. Net losses and operating expenses on repossessed properties were down $206 thousand compared to the second quarter of 2012. All other expenses were down $291 thousand from the second quarter of 2012.
Loans, Deposits and Capital
Loans
Outstanding loans at September 30, 2012 were $11.8 billion, up $256 million over June 30, 2012. Growth in commercial, commercial real estate and residential mortgage loans was partially offset by a decrease in consumer loans.
Outstanding commercial loan balances grew by $221 million or 13% on an annualized basis over June 30, 2012. Outstanding balances were up in most geographic markets, including $115 million in Texas, $43 million in Oklahoma, $31 million in Kansas/Missouri and $22 million in Arizona. Energy sector loans increased $155 million, growing primarily in the Texas and Colorado markets. Wholesale/retail sector loans increased $119 million primarily in the Oklahoma and Texas markets. Service sector loans were down $40 million compared to June 30, 2012 primarily in the Oklahoma market and other commercial and industrial sector loans decreased $39 million primarily in the Texas market. Unfunded energy loan commitments increased $76 million during the third quarter to $2.2 billion. All other unfunded commercial loan commitments totaled $3.2 billion at September 30, 2012, up slightly from June 30, 2012.

4


Commercial real estate loans were up $39 million over June 30, 2012. Loans secured by multifamily residential properties increased $36 million primarily related to loans in the Texas market. Loans secured by retail facilities grew by $33 million primarily related to loans in the Oklahoma market. Loans secured by office buildings were up $22 million primarily in the Oklahoma and Texas markets. Growth in these loan classes was partially offset by a $44 million decrease in loans secured by industrial properties, primarily in the Texas and Oklahoma markets. Unfunded commercial real estate loan commitments totaled $574 million at September 30, 2012, up $40 million over June 30, 2012.
Residential mortgage loans increased $14 million over June 30, 2012. Home equity loans increased $19 million. Growth was primarily in first-lien, fully amortizing home equity loans. Non-guaranteed permanent mortgage loans decreased $6.9 million and permanent mortgage loans guaranteed by U.S. government agencies increased $1.3 million.
Consumer loans decreased $18 million from June 30, 2012, primarily due to continued runoff of indirect automobile loans related to the previously announced decision to curtail that business in favor of a customer-focused direct approach to consumer lending. Approximately $47 million of indirect automobile loans remain outstanding at September 30, 2012.
Deposits
Deposits totaled $19.1 billion at September 30, 2012 compared to $18.4 billion at June 30, 2012. Demand deposit balances increased $408 million. Interest-bearing transaction account balances increased $451 million and time deposits decreased $86 million. Among the lines of business, commercial deposits increased $623 million, wealth management deposits increased $210 million and consumer deposits increased $17 million. Commercial and industrial, treasury services, commercial real estate, energy and small business customer account balances all increased over the prior quarter. Commercial customers continue to maintain high account balances due to continued economic uncertainty and persistently low yields available on high quality investment alternatives.
The Dodd-Frank Wall Street Reform and Consumer Protection Act temporarily provided unlimited deposit insurance coverage for noninterest-bearing transaction accounts at all FDIC-insured institutions. Although an extension is currently being considered, this temporary program is set to expire on December 31, 2012. Upon expiration, noninterest-bearing transaction accounts will be insured only up to $250,000. The impact of the expiration of this temporary program is uncertain, but could result in a decrease in average demand deposit balances held by customers.
Capital
The Company and its subsidiary bank exceeded the regulatory definition of well capitalized at September 30, 2012. The Company's Tier 1 capital ratio was 13.21% at September 30, 2012 and 13.62% at June 30, 2012. The total capital ratio was 15.71% at September 30, 2012 and 16.19% at June 30, 2012. In addition, the Company's tangible common equity ratio, a non-GAAP measure, was 9.67% at September 30, 2012 and 10.07% at June 30, 2012. Unrealized securities gains added 54 basis points to the tangible common equity ratio at September 30, 2012. The decrease in Tier 1, total and tangible common equity ratios was largely due to asset growth. In each case, capital used to calculate these ratios at September 30 exceeded June 30.
In June, banking regulators issued a Notice of Proposed Rulemaking that will incorporate Basel III capital changes for substantially all U.S. banking organizations. If adopted as proposed, these changes will establish a 7% threshold for the Tier 1 common equity ratio consisting of a minimum level plus a capital

5


conservation buffer. BOK Financial's Tier 1 common equity ratio based on the existing Basel I standards was 13.01% as of September 30, 2012. Our estimated Tier 1 common equity ratio under a fully phased in Basel III framework is approximately 12.35%, nearly 535 basis points above the 7% regulatory threshold. This estimate is subject to interpretation of rules that are not yet final. Additionally, the proposed definition of Tier 1 common equity includes unrealized gains and losses on available for sale securities which will vary based on market conditions.
Credit Quality
Nonperforming assets decreased $15 million during the third quarter of 2012 to $264 million or 2.21% of outstanding loans and repossessed assets at September 30, 2012. Nonaccruing loans decreased $13 million and real estate and other repossessed assets decreased $1.6 million. Accruing renegotiated loans, largely consisting of residential mortgage loans guaranteed by U.S. government agencies, decreased $423 thousand.
During the third quarter of 2012, the Office of the Comptroller of the Currency issued interpretive guidance regarding accounting for and classification of retail loans to borrowers who have filed for Chapter 7 bankruptcy. This guidance states that these loans should be charged-down to collateral value and classified as nonaccruing and troubled debt restructurings, regardless of current payment status. Generally, we have been complying with this guidance by charging down such loans to collateral value within 60 days of being notified of the borrower's bankruptcy filing. Based on available information we do not expect implementation to significantly affect charge-offs or provision for credit losses. We estimate that nonaccruing loans and troubled debt restructuring may increase by $10 million to $15 million. At September 30, 2012, payments on approximately 89% of loans that may be classified as nonaccruing are current. We expect to implement this guidance in the fourth quarter.
Nonaccruing loans totaled $132 million or 1.11% of outstanding loans at September 30, 2012 and $144 million or 1.25% of outstanding loans at June 30, 2012. During the third quarter of 2012, $20 million of new nonaccruing loans were identified, offset by $18 million in payments received, $8.9 million in charge-offs and $7.0 million in foreclosures and repossessions.
Nonaccruing commercial loans decreased to $22 million or 0.30% of outstanding commercial loans at September 30, 2012 from $35 million or 0.49% of outstanding commercial loans at June 30, 2012. The decrease was due primarily to the repayment of a $9.5 million manufacturing sector loan in the Oklahoma market. The Company also received a $1.8 million partial recovery of amounts previously charged off on this loan. Nonaccruing commercial real estate loans decreased to $76 million or 3.50% of outstanding commercial real estate loans at September 30, 2012 from $80 million or 3.77% of outstanding commercial real estate loans at June 30, 2012. Nonaccruing commercial real estate loans consist primarily of land development and residential construction loans. Nonaccruing land development and residential construction loans totaled $38 million or 13.17% of all land development and construction loans at September 30, 2012, a decrease of $7.9 million from June 30, 2012.
Nonaccruing residential mortgage loans increased $6.5 million during the third quarter of 2012 to $29 million or 1.45% of outstanding residential mortgage loans. Principally all non-guaranteed residential mortgage loans past due 90 days or more are nonaccruing. Residential mortgage loans past due 30 to 89 days and still accruing interest, excluding loans guaranteed by U.S. government agencies, totaled $21 million at September 30, 2012 and $17 million at June 30, 2012.
The combined allowance for credit losses totaled $236 million or 1.99% of outstanding loans and

6


178.70% of nonaccruing loans at September 30, 2012. The allowance for loan losses was $234 million and the accrual for off-balance sheet credit losses was $1.9 million. Gross charge-offs continue to decrease, totaling $8.9 million for the third quarter, compared to $11.5 million for the previous quarter. Recoveries of $10.3 million during the third quarter were partially offset by the return of $7.1 million received from the City of Tulsa in 2008 to settle claims related to a defaulted loan. The settlement agreement between BOK Financial and the City of Tulsa was invalidated by the Oklahoma Supreme Court in 2011. Recoveries totaled $6.7 million for the second quarter of 2012. Net charge-offs totaled $5.7 million or 0.19% on an annualized basis for the third quarter of 2012 compared with net charge-offs of $4.8 million or 0.17% on an annualized basis for the second quarter of 2012.
After evaluating all credit factors, no provision for credit losses was necessary during the third quarter of 2012. The previously noted recovery refund was expected and had been accrued in prior periods. Net recoveries recorded during the quarter offset an increase in required reserves due to loan portfolio growth. Credit quality indicators and most economic factors are stable or improving in our primary markets.
Real estate and other repossessed assets totaled $104 million at September 30, 2012, primarily consisting of $40 million of 1-4 family residential properties (including $23 million guaranteed by U.S. government agencies), $29 million of developed commercial real estate properties, $21 million of undeveloped land and $12 million of residential land and land development properties. The distribution of real estate owned and other repossessed assets among various markets included $29 million attributed to Arizona, $20 million attributed to New Mexico, $19 million attributed to Texas and $14 million attributed to Oklahoma. Real estate and other repossessed assets decreased by $1.6 million during the third quarter of 2012. Additions of $41 million were partially offset by $38 million of sales. Additions included $23 million and sales included $21 million of 1-4 family residential properties guaranteed by U.S. government agencies. Write-downs and net losses on sales of real estate and other repossessed assets totaled $3.6 million.
The Company also has off-balance sheet credit risk related to residential mortgage loans sold prior to 2008 to U.S. government agencies under various community development programs with full recourse for the life of the loans. The outstanding principal balance of these loans decreased to $238 million at September 30, 2012 from $241 million at June 30, 2012. The loans are primarily to borrowers in our market areas, including $167 million in Oklahoma. At September 30, 2012, approximately 5% of these loans are nonperforming and 6% were past due 30 to 89 days. A separate accrual for credit risk of $18 million is available to absorb losses on these loans.
Securities and Derivatives
The fair value of the available for sale securities portfolio totaled $11.5 billion at September 30, 2012 and $10.4 billion at June 30, 2012. The increase came primarily in short-duration U.S. government agency residential mortgage-backed securities and U.S. government agency commercial mortgage-backed securities. At September 30, 2012, the available for sale portfolio consisted primarily of $10.7 billion of residential mortgage-backed securities fully backed by U.S. government agencies, $339 million of commercial mortgage-backed securities fully backed by U.S. government agencies, and $332 million privately issued by publicly owned financial institutions. Privately issued mortgage-backed securities included $208 million backed by Jumbo-A residential mortgage loans and $124 million backed by Alt-A residential mortgage loans. Net unamortized premiums are less than 1% of the securities portfolio amortized cost.
Net unrealized gains on available for sale securities totaled $281 million at September 30, 2012 and $242 million at June 30, 2012. Net unrealized gains on residential mortgage-backed securities issued by U.S.

7


government agencies increased $2.0 million during the second quarter to $274 million at September 30, 2012. Net unrealized losses on privately issued residential mortgage-backed securities totaled $5.3 million at September 30, 2012 and $36 million at June 30, 2012.
The amortized cost of privately issued residential mortgage-backed securities totaled $337 million at September 30, 2012, down $17 million since June 30, 2012. All of these securities are rated below investment grade by at least one nationally-recognized rating agency. The amortized cost of these securities was reduced during the third quarter of 2012 by $16 million of cash payments received and $1.1 million of credit-related impairment charges during the quarter.
In the third quarter of 2012, the Company recognized net gains of $8.0 million from sales of $209 million of available for sale securities. These securities were sold either because they had reached their expected maximum potential total return or to mitigate exposure to prepayment risk. Net gains from sales of available for sale securities totaled $20.5 million in the second quarter of 2012 and included a gain of $14.2 million from the sale of $26 million of stock received in settlement of a defaulted loan.
The Company also maintains a portfolio of residential mortgage-backed securities issued by U.S. government agencies and interest rate derivative contracts designated as an economic hedge of the changes in the fair value of our mortgage servicing rights. Residential mortgage interest rates decreased during the third quarter of 2012, causing prepayment speeds to increase and the value of our mortgage servicing rights to decrease by $9.6 million. This decrease was partially offset by a $6.1 million increase in the value of securities and interest rate derivative contracts held as an economic hedge.



8


About BOK Financial Corporation
BOK Financial is a $27 billion regional financial services company based in Tulsa, Oklahoma. The Company's stock is publicly traded on NASDAQ under the Global Select market listings (symbol: BOKF). BOK Financial's holdings include BOKF, NA, BOSC, Inc. and Cavanal Hill Investment Management, Inc. BOKF, NA operates the TransFund electronic funds network and seven banking divisions: Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas and Colorado State Bank and Trust. Through its subsidiaries, the Company provides commercial and consumer banking, investment and trust services, mortgage origination and servicing, and an electronic funds transfer network. For more information, visit www.bokf.com.
The Company will continue to evaluate critical assumptions and estimates, such as the adequacy of the allowance for credit losses and asset impairment as of September 30, 2012 through the date its financial statements are filed with the Securities and Exchange Commission and will adjust amounts reported if necessary.
This news release contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial, the financial services industry and the economy generally. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “plans,” “projects,” variations of such words and similar expressions are intended to identify such forward-looking statements. Management judgments relating to and discussion of the provision and allowance for credit losses involve judgments as to future events and are inherently forward-looking statements. Assessments that BOK Financial's acquisitions and other growth endeavors will be profitable are necessary statements of belief as to the outcome of future events based in part on information provided by others which BOK Financial has not independently verified. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to (1) the ability to fully realize expected cost savings from mergers within the expected time frames, (2) the ability of other companies on which BOK Financial relies to provide goods and services in a timely and accurate manner, (3) changes in interest rates and interest rate relationships, (4) demand for products and services, (5) the degree of competition by traditional and nontraditional competitors, (6) changes in banking regulations, tax laws, prices, levies and assessments, (7) the impact of technological advances and (8) trends in consumer behavior as well as their ability to repay loans. BOK Financial and its affiliates undertake no obligation to update, amend or clarify forward-looking statements, whether as a result of new information, future events, or otherwise.



9


BALANCE SHEETS -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands)
 
 
September 30,
2012
 
June 30,
2012
 
September 30,
2011
ASSETS
 
 
 
 
 
 
Cash and due from banks
 
$
596,590

 
$
628,092

 
$
953,688

Funds sold and resell agreements
 
18,904

 
11,171

 
19,193

Trading securities
 
204,242

 
149,317

 
109,659

Investment securities
 
432,114

 
412,479

 
452,652

Available for sale securities
 
11,506,434

 
10,395,415

 
9,619,631

Fair value option securities
 
331,887

 
325,177

 
672,191

Residential mortgage loans held for sale
 
325,102

 
259,174

 
256,397

Loans:
 
 
 
 
 
 
Commercial
 
7,273,217

 
7,052,544

 
6,421,602

Commercial real estate
 
2,165,526

 
2,126,214

 
2,272,833

Residential mortgage
 
2,018,980

 
2,005,097

 
1,949,901

Consumer
 
374,644

 
392,576

 
480,233

Total loans
 
11,832,367

 
11,576,431

 
11,124,569

Less allowance for loan losses
 
(233,756
)
 
(231,669
)
 
(271,456
)
Loans, net of allowance
 
11,598,611

 
11,344,762

 
10,853,113

Premises and equipment, net
 
259,195

 
261,508

 
264,325

Receivables
 
116,243

 
121,944

 
111,427

Goodwill
 
358,962

 
335,601

 
335,601

Intangible assets, net
 
33,196

 
9,098

 
11,115

Mortgage servicing rights, net
 
89,653

 
91,783

 
87,948

Real estate and other repossessed assets
 
104,128

 
105,708

 
127,943

Bankers' acceptances
 
1,605

 
2,873

 
211

Derivative contracts
 
435,653

 
366,204

 
370,616

Cash surrender value of bank-owned life insurance
 
271,830

 
269,093

 
260,506

Receivable on unsettled securities sales
 
32,480

 
32,876

 
172,641

Other assets
 
400,812

 
453,771

 
387,408

TOTAL ASSETS
 
$
27,117,641

 
$
25,576,046

 
$
25,066,265

LIABILITIES AND EQUITY
 
 
 
 
 
 
Deposits:
 
 
 
 
 
 
Demand
 
$
6,848,401

 
$
6,440,375

 
$
5,414,284

Interest-bearing transaction
 
9,002,567

 
8,551,874

 
9,252,837

Savings
 
269,573

 
261,998

 
217,431

Time
 
3,022,326

 
3,107,950

 
3,554,470

Total deposits
 
19,142,867

 
18,362,197

 
18,439,022

Funds purchased
 
1,680,626

 
1,453,750

 
1,318,668

Repurchase agreements
 
1,109,696

 
1,136,948

 
1,206,793

Other borrowings
 
639,254

 
58,056

 
80,276

Subordinated debentures
 
347,592

 
353,378

 
398,834

Accrued interest, taxes, and expense
 
182,410

 
140,434

 
155,188

Bankers' acceptances
 
1,605

 
2,873

 
211

Due on unsettled securities purchases
 
556,998

 
603,800

 
218,097

Derivative contracts
 
254,422

 
370,053

 
341,822

Other liabilities
 
189,696

 
171,836

 
139,804

TOTAL LIABILITIES
 
24,105,166

 
22,653,325

 
22,298,715

Shareholders' equity:
 
 
 
 
 
 
Capital, surplus and retained earnings
 
2,813,264

 
2,746,744

 
2,569,021

Accumulated other comprehensive income
 
162,393

 
139,190

 
163,571

TOTAL SHAREHOLDERS' EQUITY
 
2,975,657

 
2,885,934

 
2,732,592

Non-controlling interest
 
36,818

 
36,787

 
34,958

TOTAL EQUITY
 
3,012,475

 
2,922,721

 
2,767,550

TOTAL LIABILITIES AND EQUITY
 
$
27,117,641

 
$
25,576,046

 
$
25,066,265


10


AVERAGE BALANCE SHEETS -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
ASSETS
 
 
 
 
 
 
 
 
 
Funds sold and resell agreements
$
17,837

 
$
19,187

 
$
11,385

 
$
12,035

 
$
12,344

Trading securities
132,213

 
143,770

 
95,293

 
97,972

 
88,576

Investment securities
408,646

 
416,284

 
430,890

 
443,326

 
329,627

Available for sale securities
11,058,055

 
10,091,279

 
9,947,227

 
9,914,523

 
9,656,592

Fair value option securities
336,160

 
335,965

 
555,233

 
660,025

 
594,629

Residential mortgage loans held for sale
264,024

 
191,311

 
182,372

 
201,242

 
156,621

Loans:

 

 

 

 

  Commercial
7,216,232

 
7,075,871

 
6,882,277

 
6,502,981

 
6,329,136

  Commercial real estate
2,148,559

 
2,133,247

 
2,198,832

 
2,256,153

 
2,208,757

  Residential mortgage
2,003,162

 
2,011,729

 
1,944,462

 
1,949,929

 
1,868,627

  Consumer
371,709

 
393,875

 
411,240

 
443,252

 
466,285

Total loans
11,739,662

 
11,614,722

 
11,436,811

 
11,152,315

 
10,872,805

Less allowance for loan losses
(231,177
)
 
(242,605
)
 
(252,538
)
 
(266,473
)
 
(285,570
)
Total loans, net
11,508,485

 
11,372,117

 
11,184,273

 
10,885,842

 
10,587,235

Total earning assets
23,725,420

 
22,569,913

 
22,406,673

 
22,214,965

 
21,425,624

Cash and due from banks
746,364

 
748,811

 
908,628

 
1,234,312

 
1,045,450

Cash surrender value of bank-owned life insurance
270,084

 
267,246

 
264,354

 
261,496

 
260,505

Derivative contracts
291,965

 
371,690

 
311,178

 
247,411

 
228,466

Other assets
1,554,339

 
1,580,857

 
1,625,750

 
1,679,256

 
1,661,693

TOTAL ASSETS
$
26,588,172

 
$
25,538,517

 
$
25,516,583

 
$
25,637,440

 
$
24,621,738

 
 
 
 
 
 
 
 
 
 
LIABILITIES AND EQUITY
 
 
 
 
 
 
 
 
 
Deposits:
 
 
 
 
 
 
 
 
 
  Demand
$
6,718,572

 
$
6,278,342

 
$
5,847,682

 
$
5,588,596

 
$
5,086,538

  Interest-bearing transaction
8,719,648

 
8,779,659

 
9,319,978

 
9,276,608

 
9,310,046

  Savings
267,498

 
259,386

 
241,442

 
220,236

 
214,979

  Time
3,068,870

 
3,132,220

 
3,246,362

 
3,485,059

 
3,617,731

Total deposits
18,774,588

 
18,449,607

 
18,655,464

 
18,570,499

 
18,229,294

Funds purchased
1,678,006

 
1,740,354

 
1,337,614

 
1,197,154

 
994,099

Repurchase agreements
1,112,847

 
1,095,298

 
1,183,778

 
1,189,861

 
1,128,275

Other borrowings
97,003

 
86,667

 
72,911

 
88,489

 
128,288

Subordinated debentures
352,432

 
357,609

 
397,440

 
398,858

 
398,812

Derivative contracts
247,148

 
302,329

 
207,864

 
180,623

 
187,515

Other liabilities
1,379,495

 
637,920

 
826,279

 
1,241,469

 
817,049

TOTAL LIABILITIES
23,641,519

 
22,669,784

 
22,681,350

 
22,866,953

 
21,883,332

Total equity
2,946,653

 
2,868,733

 
2,835,233

 
2,770,487

 
2,738,406

TOTAL LIABILITIES AND EQUITY
$
26,588,172

 
$
25,538,517

 
$
25,516,583

 
$
25,637,440

 
$
24,621,738




11


STATEMENTS OF EARNINGS -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands, except per share data)
 
Three Months Ended
 
Nine Months Ended
 
September 30, 2012
 
September 30, 2011
 
September 30, 2012
 
September 30, 2011
 
 
 
 
 
 
 
 
Interest revenue
$
196,071

 
$
205,749

 
$
597,334

 
$
613,555

Interest expense
20,044

 
30,365

 
66,377

 
93,531

Net interest revenue
176,027

 
175,384

 
530,957

 
520,024

Provision for credit losses
—

 
—

 
(8,000
)
 
8,950

Net interest revenue after provision for credit losses
176,027

 
175,384

 
538,957

 
511,074

Other operating revenue:
 
 
 
 
 
 
 
Brokerage and trading revenue
31,261

 
29,451

 
94,972

 
78,552

Transaction card revenue
27,788

 
31,328

 
79,976

 
90,797

Trust fees and commissions
19,654

 
17,853

 
58,023

 
55,425

Deposit service charges and fees
25,148

 
24,614

 
74,743

 
70,951

Mortgage banking revenue
50,266

 
29,493

 
122,892

 
66,205

Bank-owned life insurance
2,707

 
2,761

 
8,416

 
8,496

Other revenue
9,476

 
10,535

 
26,062

 
26,709

Total fees and commissions
166,300

 
146,035

 
465,084

 
397,135

Gain (loss) on other assets, net
125

 
351

 
(341
)
 
2,474

Gain on derivatives, net
464

 
4,048

 
336

 
2,860

Gain on fair value option securities, net
6,192

 
17,788

 
11,311

 
24,191

Gain on available for sale securities, net
7,967

 
16,694

 
32,779

 
27,064

Total other-than-temporary impairment losses
—

 
(9,467
)
 
(640
)
 
(9,541
)
Portion of loss recognized in (reclassified from) other comprehensive income
(1,104
)
 
(1,833
)
 
(5,044
)
 
(11,182
)
Net impairment losses recognized in earnings
(1,104
)
 
(11,300
)
 
(5,684
)
 
(20,723
)
Total other operating revenue
179,944

 
173,616

 
503,485

 
433,001

Other operating expense:
 
 
 
 
 
 
 
Personnel
122,775

 
103,260

 
359,841

 
308,857

Business promotion
6,054

 
5,280

 
17,188

 
14,681

Contribution to BOKF Charitable Foundation
—

 
4,000

 
—

 
4,000

Professional fees and services
7,991

 
7,418

 
23,933

 
21,134

Net occupancy and equipment
16,914

 
16,627

 
49,843

 
47,785

Insurance
3,690

 
2,206

 
11,567

 
13,163

Data processing and communications
26,486

 
24,446

 
73,894

 
71,377

Printing, postage and supplies
3,611

 
3,780

 
10,825

 
10,448

Net losses and operating expenses of repossessed assets
5,706

 
5,939

 
13,863

 
17,813

Amortization of intangible assets
742

 
896

 
1,862

 
2,688

Mortgage banking costs
11,566

 
9,349

 
30,312

 
24,788

Change in fair value of mortgage servicing rights
9,576

 
24,822

 
13,899

 
35,186

Other expense
7,229

 
12,512

 
20,460

 
29,120

Total other operating expense
222,340

 
220,535

 
627,487

 
601,040

 
 
 
 
 
 
 
 
Net income before taxes
133,631

 
128,465

 
414,955

 
343,035

Federal and state income taxes
45,778

 
43,006

 
144,447

 
121,115

 
 
 
 
 
 
 
 
Net income
87,853

 
85,459

 
270,508

 
221,920

Net income attributable to non-controlling interest
471

 
358

 
1,882

 
3,038

Net income attributable to BOK Financial Corporation shareholders
$
87,382

 
$
85,101

 
$
268,626

 
$
218,882

 
 
 
 
 
 
 
 
Average shares outstanding:
 
 
 
 
 
 
 
Basic
67,966,700

 
67,827,591

 
67,704,343

 
67,875,875

Diluted
68,334,989

 
68,037,419

 
67,981,558

 
68,127,754

 
 
 
 
 
 
 
 
Net income per share:
 
 
 
 
 
 
 
Basic
$
1.28

 
$
1.24

 
$
3.94

 
$
3.20

Diluted
$
1.27

 
$
1.24

 
$
3.92

 
$
3.19



12


FINANCIAL HIGHLIGHTS -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands, except ratio and share data)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Capital:
 
 
 
 
 
 
 
 
 
Period-end shareholders' equity
$
2,975,657

 
$
2,885,934

 
$
2,834,419

 
$
2,750,468

 
$
2,732,592

Risk weighted assets
$
18,448,854

 
$
17,758,118

 
$
17,993,379

 
$
17,291,105

 
$
17,106,533

Risk-based capital ratios:
 
 
 
 
 
 
 
 
 
Tier 1
13.21
%
 
13.62
%
 
13.03
%
 
13.27
%
 
13.14
%
Total capital
15.71
%
 
16.19
%
 
16.16
%
 
16.49
%
 
16.54
%
Leverage ratio
9.34
%
 
9.64
%
 
9.35
%
 
9.15
%
 
9.37
%
Tangible common equity ratio1
9.67
%
 
10.07
%
 
9.75
%
 
9.56
%
 
9.65
%
Tier 1 common equity ratio2
13.01
%
 
13.41
%
 
12.83
%
 
13.06
%
 
12.93
%
 
 
 
 
 
 
 
 
 
 
Common stock:
 
 
 
 
 
 
 
 
 
Book value per share
$
43.62

 
$
42.35

 
$
41.61

 
$
40.36

 
$
40.18

Market value per share:
 
 
 
 
 
 
 
 
 
High
$
59.47

 
$
58.12

 
$
59.02

 
$
55.90

 
$
55.81

Low
$
55.63

 
$
53.34

 
$
52.56

 
$
45.68

 
$
44.00

Cash dividends paid
$
25,912

 
$
25,904

 
$
22,571

 
$
22,451

 
$
18,836

Dividend payout ratio
29.65
%
 
26.53
%
 
26.99
%
 
33.51
%
 
22.13
%
Shares outstanding, net
68,215,354

 
68,144,159

 
68,116,893

 
68,153,044

 
68,006,390

Stock buy-back program:
 
 
 
 
 
 
 
 
 
Shares repurchased
—

 
39,496

 
345,300

 
69,581

 
492,444

Amount
$
—

 
$
2,125

 
$
18,432

 
$
3,579

 
$
22,866

Average price per share
$
—

 
$
53.81

 
$
53.38

 
$
51.44

 
$
46.43

 
 
 
 
 
 
 
 
 
 
Performance ratios (quarter annualized):
Return on average assets
1.31
%
 
1.54
%
 
1.32
%
 
1.04
%
 
1.37
%
Return on average equity
11.80
%
 
13.69
%
 
11.86
%
 
9.59
%
 
12.33
%
Net interest margin
3.12
%
 
3.30
%
 
3.19
%
 
3.20
%
 
3.34
%
Efficiency ratio
61.12
%
 
62.45
%
 
59.77
%
 
69.73
%
 
60.13
%
 
 
 
 
 
 
 
 
 
 
Reconciliation of non-GAAP measures:
1      Tangible common equity ratio:
 
 
 
 
 
 
 
 
 
Total shareholders' equity
$
2,975,657

 
$
2,885,934

 
$
2,834,419

 
$
2,750,468

 
$
2,732,592

Less: Goodwill and intangible assets, net
(392,158
)
 
(344,699
)
 
(345,246
)
 
(345,820
)
 
(346,716
)
Tangible common equity
$
2,583,499

 
$
2,541,235

 
$
2,489,173

 
$
2,404,648

 
$
2,385,876

 
 
 
 
 
 
 
 
 
 
Total assets
$
27,117,641

 
$
25,576,046

 
$
25,884,173

 
$
25,493,946

 
$
25,066,265

Less: Goodwill and intangible assets, net
(392,158
)
 
(344,699
)
 
(345,246
)
 
(345,820
)
 
(346,716
)
Tangible assets
$
26,725,483

 
$
25,231,347

 
$
25,538,927

 
$
25,148,126

 
$
24,719,549

 
 
 
 
 
 
 
 
 
 
Tangible common equity ratio
9.67
%
 
10.07
%
 
9.75
%
 
9.56
%
 
9.65
%
 
 
 
 
 
 
 
 
 
 
2      Tier 1 common equity ratio:
 
 
 
 
 
 
 
 
 
Tier 1 capital
$
2,436,791

 
$
2,418,985

 
$
2,344,779

 
$
2,295,061

 
$
2,247,576

Less: Non-controlling interest
(36,818
)
 
(36,787
)
 
(35,982
)
 
(36,184
)
 
(34,958
)
Tier 1 common equity
$
2,399,973

 
$
2,382,198

 
$
2,308,797

 
$
2,258,877

 
$
2,212,618

 
 
 
 
 
 
 
 
 
 
Risk weighted assets
$
18,448,854

 
$
17,758,118

 
$
17,993,379

 
$
17,291,105

 
$
17,106,533

 
 
 
 
 
 
 
 
 
 
Tier 1 common equity ratio
13.01
%
 
13.41
%
 
12.83
%
 
13.06
%
 
12.93
%

13


FINANCIAL HIGHLIGHTS -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands, except ratio and share data)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Other data:
 
 
 
 
 
 
 
 
 
Trust assets
$
37,721,780

 
$
35,748,719

 
$
35,650,798

 
$
34,398,796

 
$
31,750,636

Mortgage servicing portfolio
$
11,756,350

 
$
11,564,643

 
$
11,378,806

 
$
11,300,986

 
$
11,249,503

Mortgage loans funded for sale
$
1,046,608

 
$
841,959

 
$
746,241

 
$
753,215

 
$
637,127

Mortgage loan refinances to total fundings
61
%
 
51
%
 
67
%
 
66
%
 
54
%
Tax equivalent adjustment
$
2,509

 
$
2,252

 
$
2,094

 
$
2,274

 
$
2,233

Net unrealized gain on available for sale securities
$
281,455

 
$
242,253

 
$
201,340

 
$
222,160

 
$
278,616

 
 
 
 
 
 
 
 
 
 
Gain (loss) on mortgage servicing rights, net of economic hedge:
Gain (loss) on mortgage hedge derivative contracts
$
645

 
$
2,623

 
$
(2,445
)
 
$
121

 
$
4,048

Gain (loss) on mortgage trading securities
5,455

 
6,908

 
(2,393
)
 
222

 
17,788

Gain (loss) on economic hedge of mortgage servicing rights
6,100

 
9,531

 
(4,838
)
 
343

 
21,836

Gain (loss) on changes in fair value of mortgage servicing rights
(9,576
)
 
(11,450
)
 
7,127

 
(5,261
)
 
(24,822
)
Gain (loss) on changes in fair value of mortgage servicing rights, net of economic hedges
$
(3,476
)
 
$
(1,919
)
 
$
2,289

 
$
(4,918
)
 
$
(2,986
)
 
 
 
 
 
 
 
 
 
 
Net interest revenue on mortgage trading securities
$
1,750

 
$
2,148

 
$
3,165

 
$
4,436

 
$
5,036



14


QUARTERLY EARNINGS TREND -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands, except ratio and per share data)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Interest revenue
$
196,071

 
$
203,055

 
$
198,208

 
$
198,040

 
$
205,749

Interest expense
20,044

 
21,694

 
24,639

 
26,570

 
30,365

Net interest revenue
176,027

 
181,361

 
173,569

 
171,470

 
175,384

Provision for credit losses
—

 
(8,000
)
 
—

 
(15,000
)
 
—

Net interest revenue after provision for credit losses
176,027

 
189,361

 
173,569

 
186,470

 
175,384

Other operating revenue:
 
 
 
 
 
 
 
 
 
Brokerage and trading revenue
31,261

 
32,600

 
31,111

 
25,629

 
29,451

Transaction card revenue
27,788

 
26,758

 
25,430

 
25,960

 
31,328

Trust fees and commissions
19,654

 
19,931

 
18,438

 
17,865

 
17,853

Deposit service charges and fees
25,148

 
25,216

 
24,379

 
24,921

 
24,614

Mortgage banking revenue
50,266

 
39,548

 
33,078

 
25,438

 
29,493

Bank-owned life insurance
2,707

 
2,838

 
2,871

 
2,784

 
2,761

Other revenue
9,476

 
7,559

 
9,027

 
9,189

 
10,535

Total fees and commissions
166,300

 
154,450

 
144,334

 
131,786

 
146,035

Gain (loss) on other assets, net
125

 
2,990

 
(3,456
)
 
1,682

 
351

Gain (loss) on derivatives, net
464

 
2,345

 
(2,473
)
 
(174
)
 
4,048

Gain (loss) on fair value option securities, net
6,192

 
6,852

 
(1,733
)
 
222

 
17,788

Gain on available for sale securities, net
7,967

 
20,481

 
4,331

 
7,080

 
16,694

Total other-than-temporary impairment losses
—

 
(135
)
 
(505
)
 
(1,037
)
 
(9,467
)
Portion of loss recognized in (reclassified from) other comprehensive income
(1,104
)
 
(723
)
 
(3,217
)
 
(1,747
)
 
(1,833
)
Net impairment losses recognized in earnings
(1,104
)
 
(858
)
 
(3,722
)
 
(2,784
)
 
(11,300
)
Total other operating revenue
179,944

 
186,260

 
137,281

 
137,812

 
173,616

Other operating expense:
 
 
 
 
 
 
 
 
 
Personnel
122,775

 
122,297

 
114,769

 
121,129

 
103,260

Business promotion
6,054

 
6,746

 
4,388

 
5,868

 
5,280

Contribution to BOKF Charitable Foundation
—

 
—

 
—

 
—

 
4,000

Professional fees and services
7,991

 
8,343

 
7,599

 
7,664

 
7,418

Net occupancy and equipment
16,914

 
16,906

 
16,023

 
16,826

 
16,627

Insurance
3,690

 
4,011

 
3,866

 
3,636

 
2,206

Data processing and communications
26,486

 
25,264

 
22,144

 
26,599

 
24,446

Printing, postage and supplies
3,611

 
3,903

 
3,311

 
3,637

 
3,780

Net losses and operating expenses of repossessed assets
5,706

 
5,912

 
2,245

 
6,180

 
5,939

Amortization of intangible assets
742

 
545

 
575

 
895

 
896

Mortgage banking costs
11,566

 
11,173

 
7,573

 
10,154

 
9,349

Change in fair value of mortgage servicing rights
9,576

 
11,450

 
(7,127
)
 
5,261

 
24,822

Other expense
7,229

 
6,461

 
6,770

 
11,133

 
12,512

Total other operating expense
222,340

 
223,011

 
182,136

 
218,982

 
220,535

Net income before taxes
133,631

 
152,610

 
128,714

 
105,300

 
128,465

Federal and state income taxes
45,778

 
53,149

 
45,520

 
37,396

 
43,006

Net income
87,853

 
99,461

 
83,194

 
67,904

 
85,459

Net income (loss) attributable to non-controlling interest
471

 
1,833

 
(422
)
 
911

 
358

Net income attributable to BOK Financial Corporation shareholders
$
87,382

 
$
97,628

 
$
83,616

 
$
66,993

 
$
85,101

 
 
 
 
 
 
 
 
 
 
Average shares outstanding:
 
 
 
 
 
 
 
 
 
Basic
67,966,700

 
67,472,665

 
67,665,300

 
67,526,009

 
67,827,591

Diluted
68,334,989

 
67,744,828

 
67,941,895

 
67,774,721

 
68,037,419

Net income per share:
 
 
 
 
 
 
 
 
 
Basic
$
1.28

 
$
1.43

 
$
1.22

 
$
0.98

 
$
1.24

Diluted
$
1.27

 
$
1.43

 
$
1.22

 
$
0.98

 
$
1.24




15


LOANS BY PRINCIPAL MARKET AREA -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
 
 
 
 
 
 
 
 
 
 
Bank of Oklahoma:
 
 
 
 
 
 
 
 
 
    Commercial
$
3,141,217

 
$
3,098,651

 
$
3,107,726

 
$
2,826,649

 
$
2,865,740

    Commercial real estate
639,156

 
644,761

 
631,891

 
607,030

 
615,848

    Residential mortgage
1,477,583

 
1,460,173

 
1,426,827

 
1,411,560

 
1,378,519

    Consumer
200,217

 
205,436

 
215,693

 
235,909

 
250,048

        Total Bank of Oklahoma
5,458,173

 
5,409,021

 
5,382,137

 
5,081,148

 
5,110,155

 
 
 
 
 
 
 
 
 
 
Bank of Texas:
 
 
 
 
 
 
 
 
 
    Commercial
2,529,473

 
2,414,824

 
2,354,593

 
2,249,888

 
2,116,377

    Commercial real estate
712,895

 
678,745

 
802,979

 
830,642

 
759,574

    Residential mortgage
266,791

 
268,639

 
262,556

 
268,053

 
276,721

    Consumer
108,854

 
115,602

 
124,692

 
126,570

 
133,454

        Total Bank of Texas
3,618,013

 
3,477,810

 
3,544,820

 
3,475,153

 
3,286,126

 
 
 
 
 
 
 
 
 
 
Bank of Albuquerque:
 
 
 
 
 
 
 
 
 
    Commercial
267,469

 
262,144

 
273,284

 
258,668

 
279,319

    Commercial real estate
294,731

 
285,871

 
282,834

 
303,500

 
302,980

    Residential mortgage
117,783

 
113,987

 
106,754

 
104,695

 
99,191

    Consumer
15,883

 
15,828

 
18,378

 
19,369

 
19,393

        Total Bank of Albuquerque
695,866

 
677,830

 
681,250

 
686,232

 
700,883

 
 
 
 
 
 
 
 
 
 
Bank of Arkansas:
 
 
 
 
 
 
 
 
 
    Commercial
48,097

 
49,305

 
64,595

 
76,199

 
80,304

    Commercial real estate
119,305

 
119,895

 
139,670

 
136,170

 
134,028

    Residential mortgage
12,408

 
12,513

 
14,557

 
15,772

 
15,793

    Consumer
19,720

 
24,270

 
28,783

 
35,911

 
44,445

        Total Bank of Arkansas
199,530

 
205,983

 
247,605

 
264,052

 
274,570

 
 
 
 
 
 
 
 
 
 
Colorado State Bank & Trust:
 
 
 
 
 
 
 
 
 
    Commercial
616,321

 
610,384

 
541,280

 
544,020

 
495,429

    Commercial real estate
145,077

 
149,541

 
144,757

 
156,013

 
189,948

    Residential mortgage
57,637

 
60,893

 
61,329

 
64,627

 
66,491

    Consumer
19,028

 
20,612

 
19,790

 
21,598

 
22,183

        Total Colorado State Bank & Trust
838,063

 
841,430

 
767,156

 
786,258

 
774,051

 
 
 
 
 
 
 
 
 
 
Bank of Arizona:
 
 
 
 
 
 
 
 
 
    Commercial
300,557

 
278,119

 
269,099

 
271,914

 
269,381

    Commercial real estate
186,553

 
181,513

 
180,830

 
198,160

 
227,085

    Residential mortgage
65,234

 
67,822

 
76,699

 
89,315

 
92,293

    Consumer
6,150

 
6,227

 
5,381

 
5,633

 
6,670

        Total Bank of Arizona
558,494

 
533,681

 
532,009

 
565,022

 
595,429

 
 
 
 
 
 
 
 
 
 
Bank of Kansas City:
 
 
 
 
 
 
 
 
 
    Commercial
370,083

 
339,117

 
348,515

 
327,732

 
315,052

    Commercial real estate
67,809

 
65,888

 
50,722

 
59,788

 
43,370

    Residential mortgage
21,544

 
21,070

 
19,650

 
20,505

 
20,893

    Consumer
4,792

 
4,601

 
3,580

 
3,853

 
4,040

        Total Bank of Kansas City
464,228

 
430,676

 
422,467

 
411,878

 
383,355

 
 
 
 
 
 
 
 
 
 
TOTAL BOK FINANCIAL
$
11,832,367

 
$
11,576,431

 
$
11,577,444

 
$
11,269,743

 
$
11,124,569


Loans attributed to a geographical region may not always represent the location of the borrower or the collateral. The previous periods have been reclassified to conform to the current period loan classification and market attribution.




16


DEPOSITS BY PRINCIPAL MARKET AREA -- UNAUDITED
BOK FINANCIAL CORPORATION
(in thousands)
 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Bank of Oklahoma:
 
 
 
 
 
 
 
 
 
    Demand
$
3,734,900

 
$
3,499,834

 
$
3,445,424

 
$
3,223,201

 
$
2,953,410

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
5,496,724

 
5,412,002

 
5,889,625

 
6,050,986

 
6,038,770

       Savings
155,277

 
150,353

 
148,556

 
126,763

 
122,829

       Time
1,274,336

 
1,354,148

 
1,370,868

 
1,450,571

 
1,489,486

    Total interest-bearing
6,926,337

 
6,916,503

 
7,409,049

 
7,628,320

 
7,651,085

Total Bank of Oklahoma
10,661,237

 
10,416,337

 
10,854,473

 
10,851,521

 
10,604,495

Bank of Texas:
 
 
 
 
 
 
 
 
 
    Demand
1,983,678

 
1,966,465

 
1,876,133

 
1,808,491

 
1,710,315

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
1,782,296

 
1,813,209

 
1,734,655

 
1,940,819

 
1,820,116

       Savings
52,561

 
51,114

 
50,331

 
45,872

 
42,272

       Time
789,725

 
772,809

 
789,860

 
867,664

 
938,200

    Total interest-bearing
2,624,582

 
2,637,132

 
2,574,846

 
2,854,355

 
2,800,588

Total Bank of Texas
4,608,260

 
4,603,597

 
4,450,979

 
4,662,846

 
4,510,903

Bank of Albuquerque:
 
 
 
 
 
 
 
 
 
    Demand
416,796

 
357,367

 
333,707

 
319,269

 
325,612

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
526,029

 
506,165

 
503,015

 
491,068

 
480,816

       Savings
31,940

 
31,215

 
32,688

 
27,487

 
26,127

       Time
375,611

 
383,350

 
392,234

 
410,722

 
431,436

    Total interest-bearing
933,580

 
920,730

 
927,937

 
929,277

 
938,379

Total Bank of Albuquerque
1,350,376

 
1,278,097

 
1,261,644

 
1,248,546

 
1,263,991

Bank of Arkansas:
 
 
 
 
 
 
 
 
 
    Demand
29,254

 
16,921

 
22,843

 
18,513

 
21,809

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
168,827

 
172,829

 
151,708

 
131,181

 
181,486

       Savings
2,246

 
2,220

 
2,358

 
1,727

 
1,735

       Time
45,719

 
48,517

 
54,157

 
61,329

 
74,163

    Total interest-bearing
216,792

 
223,566

 
208,223

 
194,237

 
257,384

Total Bank of Arkansas
246,046

 
240,487

 
231,066

 
212,750

 
279,193

Colorado State Bank & Trust:
 
 
 
 
 
 
 
 
 
    Demand
330,641

 
301,646

 
311,057

 
272,565

 
217,394

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
627,015

 
465,276

 
476,718

 
511,993

 
520,743

       Savings
24,689

 
24,202

 
23,409

 
22,771

 
22,599

       Time
476,564

 
491,280

 
498,124

 
523,969

 
547,481

    Total interest-bearing
1,128,268

 
980,758

 
998,251

 
1,058,733

 
1,090,823

Total Colorado State Bank & Trust
1,458,909

 
1,282,404

 
1,309,308

 
1,331,298

 
1,308,217

Bank of Arizona:
 
 
 
 
 
 
 
 
 
    Demand
151,738

 
137,313

 
131,539

 
106,741

 
138,971

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
298,048

 
113,310

 
95,010

 
104,961

 
101,933

       Savings
2,201

 
2,313

 
1,772

 
1,192

 
1,366

       Time
33,169

 
31,539

 
34,199

 
37,641

 
40,007

    Total interest-bearing
333,418

 
147,162

 
130,981

 
143,794

 
143,306

Total Bank of Arizona
485,156

 
284,475

 
262,520

 
250,535

 
282,277

Bank of Kansas City:
 
 
 
 
 
 
 
 
 
    Demand
201,393

 
160,829

 
68,469

 
51,004

 
46,773

    Interest-bearing:
 
 
 
 
 
 
 
 
 
       Transaction
103,628

 
69,083

 
57,666

 
123,449

 
108,973

       Savings
660

 
581

 
505

 
545

 
503

       Time
27,202

 
26,307

 
26,657

 
30,086

 
33,697

    Total interest-bearing
131,490

 
95,971

 
84,828

 
154,080

 
143,173

Total Bank of Kansas City
332,883

 
256,800

 
153,297

 
205,084

 
189,946

 
 
 
 
 
 
 
 
 
 
TOTAL BOK FINANCIAL
$
19,142,867

 
$
18,362,197

 
$
18,523,287

 
$
18,762,580

 
$
18,439,022


17


NET INTEREST MARGIN TREND -- UNAUDITED
BOK FINANCIAL CORPORATION

 
Three Months Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
 
 
 
 
 
 
 
 
 
 
TAX-EQUIVALENT ASSETS YIELDS
 
 
 
 
 
 
 
 
 
Funds sold and resell agreements
0.07
%
 
0.08
%
 
0.07
%
 
0.10
%
 
0.16
%
Trading securities
2.12
%
 
1.53
%
 
1.88
%
 
2.79
%
 
2.85
%
Investment securities:
 
 
 
 
 
 
 
 
 
    Taxable1
5.83
%
 
5.93
%
 
5.89
%
 
5.91
%
 
5.63
%
    Tax-exempt1
4.12
%
 
4.90
%
 
4.87
%
 
4.81
%
 
4.94
%
Total investment securities1
5.33
%
 
5.63
%
 
5.59
%
 
5.59
%
 
5.35
%
Available for sale securities:
 
 
 
 
 
 
 
 
 
    Taxable1
2.36
%
 
2.52
%
 
2.48
%
 
2.36
%
 
2.82
%
    Tax-exempt1
4.70
%
 
4.69
%
 
5.17
%
 
5.14
%
 
4.92
%
Total available for sale securities1
2.38
%
 
2.54
%
 
2.50
%
 
2.38
%
 
2.83
%
Fair value option securities
2.27
%
 
2.62
%
 
2.79
%
 
2.98
%
 
3.66
%
Residential mortgage loans held for sale
3.48
%
 
3.75
%
 
3.90
%
 
4.01
%
 
4.09
%
Loans
4.33
%
 
4.58
%
 
4.50
%
 
4.65
%
 
4.71
%
Less allowance for loan losses
—
%
 
—
%
 
—
%
 
—
%
 
—
%
Loans, net of allowance
4.42
%
 
4.68
%
 
4.61
%
 
4.76
%
 
4.84
%
Total tax-equivalent yield on earning assets1
3.47
%
 
3.69
%
 
3.64
%
 
3.69
%
 
3.91
%
 
 
 
 
 
 
 
 
 
 
COST OF INTEREST-BEARING LIABILITIES
 
 
 
 
 
 
 
 
 
Interest-bearing deposits:
 
 
 
 
 
 
 
 
 
  Interest-bearing transaction
0.16
%
 
0.16
%
 
0.17
%
 
0.18
%
 
0.23
%
  Savings
0.19
%
 
0.23
%
 
0.24
%
 
0.26
%
 
0.34
%
  Time
1.61
%
 
1.63
%
 
1.68
%
 
1.70
%
 
1.84
%
Total interest-bearing deposits
0.53
%
 
0.54
%
 
0.55
%
 
0.59
%
 
0.68
%
Funds purchased
0.15
%
 
0.16
%
 
0.09
%
 
0.06
%
 
0.05
%
Repurchase agreements
0.10
%
 
0.10
%
 
0.09
%
 
0.13
%
 
0.17
%
Other borrowings
3.03
%
 
3.96
%
 
5.58
%
 
4.75
%
 
5.26
%
Subordinated debt
2.79
%
 
3.95
%
 
5.62
%
 
5.61
%
 
5.60
%
Total cost of interest-bearing liabilities
0.52
%
 
0.56
%
 
0.63
%
 
0.66
%
 
0.76
%
Tax-equivalent net interest revenue spread
2.95
%
 
3.13
%
 
3.01
%
 
3.03
%
 
3.15
%
Effect of noninterest-bearing funding sources and other
0.17
%
 
0.17
%
 
0.18
%
 
0.17
%
 
0.19
%
Tax-equivalent net interest margin1
3.12
%
 
3.30
%
 
3.19
%
 
3.20
%
 
3.34
%
1 
Yield calculations exclude security trades that have been recorded on trade date with no corresponding interest income.





18


CREDIT QUALITY INDICATORS
BOK FINANCIAL CORPORATION
(in thousands, except ratios)
 
Quarter Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Nonperforming assets:
 
 
 
 
 
 
 
 
 
Nonaccruing loans:
 
 
 
 
 
 
 
 
 
Commercial
$
21,762

 
$
34,529

 
$
61,750

 
$
68,811

 
$
83,736

Commercial real estate
75,761

 
80,214

 
86,475

 
99,193

 
110,048

Residential mortgage
29,267

 
22,727

 
27,462

 
29,767

 
31,731

Consumer
5,109

 
7,012

 
7,672

 
3,515

 
3,960

Total nonaccruing loans
131,899

 
144,482

 
183,359

 
201,286

 
229,475

Renegotiated loans1
27,992

 
28,415

 
36,764

 
32,893

 
30,477

Real estate and other repossessed assets
104,128

 
105,708

 
115,790

 
122,753

 
127,943

Total nonperforming assets
$
264,019

 
$
278,605

 
$
335,913

 
$
356,932

 
$
387,895

 
 
 
 
 
 
 
 
 
 
Nonaccruing loans by principal market:
 
 
 
 
 
 
 
 
 
Oklahoma
$
41,599

 
$
49,931

 
$
64,097

 
$
65,261

 
$
73,794

Texas
28,046

 
24,553

 
29,745

 
28,083

 
29,783

New Mexico
13,233

 
13,535

 
15,029

 
15,297

 
17,242

Arkansas
5,958

 
6,865

 
18,066

 
23,450

 
26,831

Colorado
22,878

 
28,239

 
28,990

 
33,522

 
36,854

Arizona
20,145

 
21,326

 
27,397

 
35,673

 
44,929

Kansas / Missouri
40

 
33

 
35

 
—

 
42

Total nonaccruing loans
$
131,899

 
$
144,482

 
$
183,359

 
$
201,286

 
$
229,475

 
 
 
 
 
 
 
 
 
 
Nonaccruing loans by loan portfolio sector:
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
Energy
$
3,063

 
$
3,087

 
$
336

 
$
336

 
$
3,900

Manufacturing
2,283

 
12,230

 
23,402

 
23,051

 
27,691

Wholesale / retail
2,007

 
4,175

 
15,388

 
21,180

 
27,088

Integrated food services
—

 
—

 
—

 
—

 
—

Services
10,099

 
10,123

 
12,890

 
16,968

 
18,181

Healthcare
3,305

 
3,310

 
7,946

 
5,486

 
5,715

Other commercial and industrial
1,005

 
1,604

 
1,788

 
1,790

 
1,161

Total commercial
21,762

 
34,529

 
61,750

 
68,811

 
83,736

Commercial real estate:
 
 
 
 
 
 
 
 

Construction and land development
38,143

 
46,050

 
52,416

 
61,874

 
72,207

Retail
6,692

 
7,908

 
6,193

 
6,863

 
6,492

Office
9,833

 
10,589

 
10,733

 
11,457

 
11,967

Multifamily
3,145

 
3,219

 
3,414

 
3,513

 
4,036

Industrial
4,064

 
—

 
—

 
—

 
—

Other commercial real estate
13,884

 
12,448

 
13,719

 
15,486

 
15,346

Total commercial real estate
75,761

 
80,214

 
86,475

 
99,193

 
110,048

Residential mortgage:
 
 
 
 
 
 
 
 

Permanent mortgage
23,717

 
18,136

 
22,822

 
25,366

 
27,486

Home equity
5,550

 
4,591

 
4,640

 
4,401

 
4,245

Total residential mortgage
29,267

 
22,727

 
27,462

 
29,767

 
31,731

Consumer
5,109

 
7,012

 
7,672

 
3,515

 
3,960

Total nonaccruing loans
$
131,899

 
$
144,482

 
$
183,359

 
$
201,286

 
$
229,475

 
 
 
 
 
 
 
 
 
 

19


CREDIT QUALITY INDICATORS
BOK FINANCIAL CORPORATION
(in thousands, except ratios)
 
Quarter Ended
 
September 30,
2012
 
June 30,
2012
 
March 31,
2012
 
December 31,
2011
 
September 30,
2011
Performing loans 90 days past due2
$
1,181

 
$
691

 
$
6,140

 
$
2,496

 
$
1,401

 
 
 
 
 
 
 
 
 
 
Gross charge-offs
$
8,921

 
$
11,543

 
$
13,674

 
$
14,771

 
$
14,023

Recoveries
3,204

3 
6,702

 
5,189

 
5,311

 
3,869

Net charge-offs
$
5,717

 
$
4,841

 
$
8,485

 
$
9,460

 
$
10,154

 
 
 
 
 
 
 
 
 
 
Provision for (reduction of) allowances for credit losses
$
—

 
$
(8,000
)
 
$
—

 
$
(15,000
)
 
$
—

 
 
 
 
 
 
 
 
 
 
Allowance for loan losses to period end loans
1.98
%
 
2.00
%
 
2.11
%
 
2.25
%
 
2.44
%
Combined allowance for credit losses to period end loans
1.99
%
 
2.09
%
 
2.20
%
 
2.33
%
 
2.58
%
Nonperforming assets to period end loans and repossessed assets
2.21
%
 
2.38
%
 
2.87
%
 
3.13
%
 
3.45
%
Net charge-offs (annualized) to average loans
0.19
%
3 
0.17
%
 
0.30
%
 
0.34
%
 
0.37
%
Allowance for loan losses to nonaccruing loans
177.22
%
 
160.34
%
 
133.19
%
 
125.93
%
 
118.29
%
Combined allowance for credit losses to nonaccruing loans
178.70
%
 
167.09
%
 
138.67
%
 
130.53
%
 
125.16
%
 
 
 
 
 
 
 
 
 
 
1   Includes residential mortgage loans guaranteed by agencies of the U.S. government. These loans have been modified to extend payment terms and/or reduce interest rates to current market.
$
24,590

 
$
24,760

 
$
32,770

 
$
28,974

 
$
26,670

 
 
 
 
 
 
 
 
 
 
2   Excludes residential mortgage loans guaranteed agencies of the U.S. government.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3  Includes $7.1 million of negative recovery related to a refund of a settlement agreement between BOK Financial and the City of Tulsa invalidated by the Oklahoma Supreme Court. Excluding this refund, BOK Financial had net charge-offs (recoveries) to average loans of (0.05%) on an annualized basis.
 
 
 
 
 
 
 
 
 


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