Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2013 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	91,540		$	25,131		$	6,300		$	43,380		$	166,351
Net interest revenue (expense) from internal sources	(9,405		)	5,060			$	4,837		(492		)	—
Net interest revenue	82,135			30,191			11,137			42,888			166,351
Provision for credit losses	(1,326		)	1,331			255			(8,760		)	(8,500		)
Net interest revenue after provision for credit losses	83,461			28,860			10,882			51,648			174,851
Other operating revenue	42,509			46,932			55,601			274			145,316
Other operating expense	60,969			56,431			59,993			33,251			210,644
Net income before taxes	65,001			19,361			6,490			18,671			109,523
Federal and state income taxes	25,285			7,531			2,525			(1,880		)	33,461
Net income	39,716			11,830			3,965			20,551			76,062
Net loss attributable to non-controlling interest	—			—			—			324			324
Net income attributable to BOK Financial Corp. shareholders	$	39,716		$	11,830		$	3,965		$	20,227		$	75,738

Average assets	$	10,460,986		$	5,655,914		$	4,385,941		$	6,751,891		$	27,254,732
Average invested capital	911,229			293,716			206,872			1,553,106			2,964,923

Performance measurements:
Return on average assets	1.51		%	0.83		%	0.36		%				1.10		%
Return on average invested capital	17.29		%	15.98		%	7.62		%				10.13		%
Efficiency ratio	48.92		%	71.53		%	89.99		%				66.03		%

Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2013 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	272,889		$	74,056		$	19,373		$	137,594		$	503,912
Net interest revenue (expense) from internal sources	(27,907		)	15,711			$	15,209		(3,013		)	—
Net interest revenue	244,982			89,767			34,582			134,581			503,912
Provision for credit losses	(219		)	3,663			1,704			(21,648		)	(16,500		)
Net interest revenue after provision for credit losses	245,201			86,104			32,878			156,229			520,412
Other operating revenue	127,352			152,066			163,368			12,365			455,151
Other operating expense	179,795			152,122			178,694			97,963			608,574
Net income before taxes	192,758			86,048			17,552			70,631			366,989
Federal and state income taxes	74,983			33,473			6,828			6,696			121,980
Net income	117,775			52,575			10,724			63,935			245,009
Net income attributable to non-controlling interest	—			—			—			1,376			1,376
Net income attributable to BOK Financial Corp. shareholders	$	117,775		$	52,575		$	10,724		$	62,559		$	243,633

Average assets	$	10,470,800		$	5,691,406		$	4,537,922		$	6,774,754		$	27,474,882
Average invested capital	900,789			295,394			204,592			1,595,910			2,996,685

Performance measurements:
Return on average assets	1.50		%	1.24		%	0.32		%				1.19		%
Return on average invested capital	17.48		%	23.80		%	7.00		%				10.87		%
Efficiency ratio	48.30		%	64.28		%	90.57		%				63.35		%

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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	91,381		$	24,862		$	7,064		$	52,720		$	176,027
Net interest revenue (expense) from internal sources	(11,002		)	5,410			5,452			140			—
Net interest revenue	80,379			30,272			12,516			52,860			176,027
Provision for credit losses	3,253			338			509			(4,100		)	—
Net interest revenue after provision for credit losses	77,126			29,934			12,007			56,960			176,027
Other operating revenue	40,091			80,640			50,156			9,057			179,944
Other operating expense	62,633			74,486			53,917			31,304			222,340
Net income before taxes	54,584			36,088			8,246			34,713			133,631
Federal and state income taxes	21,233			14,038			3,208			7,299			45,778
Net income	33,351			22,050			5,038			27,414			87,853
Net loss attributable to non-controlling interest	—			—			—			471			471
Net income attributable to BOK Financial Corp. shareholders	$	33,351		$	22,050		$	5,038		$	26,943		$	87,382

Average assets	$	10,065,208		$	5,671,356		$	4,273,386		$	6,578,222		$	26,588,172
Average invested capital	865,157			292,280			188,755			1,601,000			2,947,192

Performance measurements:
Return on average assets	1.32		%	1.55		%	0.47		%				1.31		%
Return on average invested capital	15.34		%	30.01		%	10.59		%				11.80		%
Efficiency ratio	51.99		%	61.11		%	86.27		%				61.18		%

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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	274,423		$	77,173		$	21,340		$	158,021		$	530,957
Net interest revenue (expense) from internal sources	(34,491		)	15,093			15,503			3,895			—
Net interest revenue	239,932			92,266			36,843			161,916			530,957
Provision for credit losses	10,393			5,991			1,680			(26,064		)	(8,000		)
Net interest revenue after provision for credit losses	229,539			86,275			35,163			187,980			538,957
Other operating revenue	131,042			205,400			148,105			18,938			503,485
Other operating expense	181,119			197,399			158,505			90,464			627,487
Net income before taxes	179,462			94,276			24,763			116,454			414,955
Federal and state income taxes	69,811			36,673			9,633			28,330			144,447
Net income	109,651			57,603			15,130			88,124			270,508
Net income attributable to non-controlling interest	—			—			—			1,882			1,882
Net income attributable to BOK Financial Corp. shareholders	$	109,651		$	57,603		$	15,130		$	86,242		$	268,626

Average assets	$	9,981,793		$	5,705,411		$	4,202,977		$	5,993,489		$	25,883,670
Average invested capital	880,777			287,888			179,772			1,535,515			2,883,952

Performance measurements:
Return on average assets	1.47		%	1.35		%	0.48		%				1.39		%
Return on average invested capital	16.63		%	26.73		%	11.25		%				12.44		%
Efficiency ratio	50.80		%	63.62		%	85.91		%				60.68		%