10-Q/A

As filed with the Securities and Exchange Commission on August 12, 2011

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________

FORM 10-Q / A

Amendment No. 1

(Mark One)

x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2011

OR

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _____________ to ______________

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)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes  x  No  ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).  Yes  x  No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer.  See definition of “accelerated filer and large accelerated filer” in Rule 12b-2 of the Exchange Act.  (Check one):

Large accelerated filer  x Accelerated filer  ¨ Non-accelerated filer  ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes  ¨  No  x

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 68,462,869 shares of common stock ($.00006 par value) as of June 30, 2011.

Explanatory Note

The Registrant is filing this Amendment No. 1 on Form 10-Q/A to its Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2011 (the “Original Form 10-Q”) solely in order to file the exhibits required by Item 601(b)(101) (Interactive Data File) of Regulation S-K, which are being filed within 30 days of the filing of the Original Form 10-Q as permitted by Section II(B)(4) of Securities and Exchange Commission Release No. 34-59324 effective April 13, 2009.  No other part of the Original Form 10-Q is being amended hereby.

PART II. Other Information

Item 6. Exhibits

31.1 (1) Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

31.2 (1) Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

32 (1) Certification of Chief Executive Officer and Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

101 (2) Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Earnings, (iii) the Consolidated Statements of Changes in Equity, (iv) the Consolidated Statement of Cash Flows and (v) the Notes to Consolidated Financial Statements

(1) Filed as an exhibit to the Original Form 10-Q.

(2) As provided in Rule 406T of Regulation S-T, this information is furnished and not filed for purposes of Section 11 and 12 of the Securities Act of 1933 and Section 18 of the Securities Exchange Act of 1934.

Signatures

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 thereunto duly authorized.

BOK FINANCIAL CORPORATION

(Registrant)

Date:	August 12, 2011
/s/ Steven E. Nell
Steven E. Nell
Executive Vice President and
Chief Financial Officer
/s/ John C. Morrow
John C. Morrow
Senior Vice President and
Chief Accounting Officer

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Fair Value Measurements, Fair Value Of Financial Instruments as Measured On a Recurring Basis (Details) (USD $)	6 Months Ended		12 Months Ended
	Jun. 30, 2011		Dec. 31, 2010		Mar. 31, 2011	Jun. 30, 2010		Mar. 31, 2010	Dec. 31, 2009
Assets [Abstract]
Trading securities	$ 99,846,000		$ 55,467,000			$ 62,159,000
Available for sale securities [Abstract]
Mortgage trading securities	553,231,000		428,021,000			534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000			227,574,000
Mortgage servicing rights	109,192,000		115,723,000		120,345,000	98,942,000		119,066,000	73,824,000
Derivative contracts, assets	229,887,000		270,445,000			334,576,000
Liabilities [Abstract]
Derivative contracts, liabilities	173,917,000		215,420,000			299,851,000
Investment grade taxable securities par rate of yield, lower range (in hundredths)	1.69%
Investment grade taxable securities par rate of yield, upper range (in hundredths)	1.75%
Average yields on comparable short-term taxable securities, maximum	1.00%
Investment grade tax-exempt securities par rate of yield, minimum (in hundredths)	1.05%
Investment grade tax-exempt securities par rate of yield, maximum (in hundredths)	1.35%
Investment grade tax-exempt securities yield spread over comparable securities, minimum (in basis points)	75
Investment grade tax-exempt securities yield spread over comparable securities, maximum (in basis points)	80
Percentage of estimated fair value to par value of tax-exempt securities rated investment grade, minimum (in hundredths)	98.89%
Percentage of estimated fair value to par value of tax-exempt securities rated investment grade, maximum (in hundredths)	99.34%
Municipal and tax-exempt securities rated below investment grade	14,000,000
Below investment grade tax-exempt securities par rate of yield, minimum (in hundredths)	6.23%
Below investment grade tax-exempt securities par rate of yield, maximum (in hundredths)	10.30%
Below investment grade tax-exempt securities yield spread over comparable securities (in basis points)	600		525
Percentage of estimated fair value to par value of tax exempt securities rated below investment grade minimum	82.66%
Percentage of estimated fair value to par value of tax exempt securities rated below investment grade maximum	82.83%
Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities	99,846,000		55,467,000			62,159,000
Available for sale securities [Abstract]
U.S. Treasury	1,003,000
Municipal and other tax-exempt	70,210,000		72,942,000			66,439,000
U.S. agency residential mortgage-backed securities	8,893,789,000		8,446,908,000			8,223,719,000
Private issue residential mortgage-backed securities	513,222,000		644,210,000			735,516,000
Other debt securities	5,893,000		6,401,000			13,064,000
Perpetual preferred stock	22,694,000		22,114,000			19,881,000
Equity securities and mutual funds	60,197,000		43,046,000			47,209,000
Total available for sale securities	9,567,008,000		9,235,621,000			9,105,828,000
Mortgage trading securities	553,231,000		428,021,000			534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000			227,574,000
Mortgage servicing rights	109,192,000		115,723,000			98,942,000
Derivative contracts, assets	229,887,000	[1]	270,445,000	[1]		334,576,000	[1]
Other assets - private equity funds	28,313,000		25,436,000			23,834,000
Liabilities [Abstract]
Certificates of deposit			27,414,000			27,957,000
Derivative contracts, liabilities	173,917,000		215,420,000			299,851,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Assets [Abstract]
Trading securities	2,327,000		877,000			4,030,000
Available for sale securities [Abstract]
U.S. Treasury	1,003,000
Municipal and other tax-exempt	0		0			0
U.S. agency residential mortgage-backed securities	0		0			0
Private issue residential mortgage-backed securities	0		0			0
Other debt securities	0		0			0
Perpetual preferred stock	0		0			0
Equity securities and mutual funds	41,557,000		22,344,000			22,728,000
Total available for sale securities	42,560,000		22,344,000			22,728,000
Mortgage trading securities	0		0			0
Residential mortgage loans held for sale	0		0			0
Mortgage servicing rights	0		0			0
Derivative contracts, assets	0	[1]	0	[1]		16,991,000	[1]
Other assets - private equity funds	0		0			0
Impaired loans	0		0
Real Estate And Other Repossessed Assets	0		0
Liabilities [Abstract]
Certificates of deposit			0			0
Derivative contracts, liabilities	0		0			0
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Assets [Abstract]
Trading securities	97,519,000		54,590,000			58,129,000
Available for sale securities [Abstract]
U.S. Treasury	0
Municipal and other tax-exempt	26,552,000		25,849,000			26,613,000
U.S. agency residential mortgage-backed securities	8,893,789,000		8,446,908,000			8,223,719,000
Private issue residential mortgage-backed securities	513,222,000		644,210,000			735,516,000
Other debt securities	0		1,000			29,000
Perpetual preferred stock	22,694,000		22,114,000			19,881,000
Equity securities and mutual funds	18,640,000		20,702,000			24,481,000
Total available for sale securities	9,474,897,000		9,159,784,000			9,030,239,000
Mortgage trading securities	553,231,000		428,021,000			534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000			227,574,000
Mortgage servicing rights	0		0			0
Derivative contracts, assets	229,887,000	[1]	270,445,000	[1]		317,585,000	[1]
Other assets - private equity funds	0		0			0
Impaired loans	17,949,000		55,893,000
Real Estate And Other Repossessed Assets	50,885,000		28,778,000
Liabilities [Abstract]
Certificates of deposit			27,414,000			27,957,000
Derivative contracts, liabilities	173,917,000		215,420,000			299,851,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Assets [Abstract]
Trading securities	0		0			0
Available for sale securities [Abstract]
U.S. Treasury	0
Municipal and other tax-exempt	43,658,000		47,093,000			39,826,000
U.S. agency residential mortgage-backed securities	0		0			0
Private issue residential mortgage-backed securities	0		0			0
Other debt securities	5,893,000		6,400,000			13,035,000
Perpetual preferred stock	0		0			0
Equity securities and mutual funds	0		0			0
Total available for sale securities	49,551,000		53,493,000			52,861,000
Mortgage trading securities	0		0			0
Residential mortgage loans held for sale	0		0			0
Mortgage servicing rights	109,192,000	[2]	115,723,000	[2]		98,984,000	[2]
Derivative contracts, assets	0	[1]	0	[1]		0	[1]
Other assets - private equity funds	28,313,000		25,436,000			23,834,000
Liabilities [Abstract]
Certificates of deposit			0			0
Derivative contracts, liabilities	0		0			0
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Available for sale securities [Abstract]
U.S. Treasury	1,003,000
Municipal and other tax-exempt	70,210,000		72,942,000			66,439,000
U.S. agency residential mortgage-backed securities	8,893,789,000		8,446,908,000			8,223,719,000
Private issue residential mortgage-backed securities	513,222,000		644,210,000			735,516,000
Other debt securities	5,893,000		6,401,000			13,064,000
Perpetual preferred stock	22,694,000		22,114,000			19,881,000
Equity securities and mutual funds	60,197,000		43,046,000			47,209,000
Total available for sale securities	9,567,008,000		9,235,621,000			9,105,828,000
Mortgage trading securities	553,231,000		428,021,000			534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000			227,574,000
Mortgage servicing rights	109,192,000		115,723,000			98,942,000
Derivative contracts, assets	229,887,000		270,445,000			334,576,000
Other assets - private equity funds	28,313,000		25,436,000			23,834,000
Liabilities [Abstract]
Derivative contracts, liabilities	173,917,000		215,420,000			299,851,000
Estimate of Fair Value, Fair Value Disclosure [Member]
Available for sale securities [Abstract]
U.S. Treasury	1,003,000
Municipal and other tax-exempt	70,210,000		72,942,000			66,439,000
U.S. agency residential mortgage-backed securities	8,893,789,000		8,446,908,000			8,223,719,000
Private issue residential mortgage-backed securities	513,222,000		644,210,000			735,516,000
Other debt securities	5,893,000		6,401,000			13,064,000
Perpetual preferred stock	22,694,000		22,114,000			19,881,000
Equity securities and mutual funds	60,197,000		43,046,000			47,209,000
Total available for sale securities	9,567,008,000		9,235,621,000			9,105,828,000
Mortgage trading securities	553,231,000		428,021,000			534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000			227,574,000
Mortgage servicing rights	109,192,000		115,723,000			98,942,000
Derivative contracts, assets	229,887,000		270,445,000			334,576,000
Other assets - private equity funds	28,313,000		25,436,000			23,834,000
Liabilities [Abstract]
Derivative contracts, liabilities	$ 173,917,000		$ 215,420,000			$ 299,851,000

[1] See Note 3 for detail of fair value of derivative contracts by contract type.

[2] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

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Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
Assets
Cash and due from banks	$ 1,098,721	$ 1,247,946	$ 834,972
Funds sold and resell agreements	12,040	21,458	17,554
Trading securities	99,846	55,467	62,159
Investment securities	349,583	339,553	353,277
Available-for-Sale Securities	9,567,008	9,096,277	8,953,162
Available for sale securities pledged to creditors	0	139,344	152,666
Total available for sale securities	9,567,008	9,235,621	9,105,828
Mortgage trading securities	553,231	428,021	534,641
Residential mortgage loans held for sale	169,609	263,413	227,574
Loans	10,737,544	10,643,036	10,882,717
Less allowance for loan losses	(286,611)	(292,971)	(299,489)
Loans, net of allowance	10,450,933	10,350,065	10,583,228
Premises and equipment, net	265,057	265,465	277,225
Receivables	129,944	148,940	126,149
Goodwill	335,601	335,601	335,601
Intangible assets, net	12,010	13,803	15,991
Mortgage servicing rights, net	109,192	115,723	98,942
Real estate and other repossessed assets	129,026	141,394	119,908
Bankers' acceptances	1,661	1,222	2,885
Derivative contracts	229,887	270,445	334,576
Cash surrender value of bank-owned life insurance	261,203	255,442	251,857
Receivable on unsettled securities trades	170,600	135,059	0
Other assets	293,030	316,965	454,361
Total assets	24,238,182	23,941,603	23,736,728
Liabilities and equity
Noninterest-bearing demand deposits	4,725,977	4,220,764	3,735,289
Interest-bearing deposits:
Transaction	9,013,323	9,255,362	8,488,159
Savings	211,877	193,767	190,964
Time	3,634,700	3,509,168	3,673,088
Total deposits	17,585,877	17,179,061	16,087,500
Funds purchased	1,706,893	1,025,019	1,157,465
Repurchase agreements	1,106,163	1,258,761	1,105,010
Other borrowings	149,703	833,578	1,708,295
Subordinated debentures	398,788	398,701	398,617
Accrued interest, taxes and expense	104,493	134,107	91,471
Bankers' acceptances	1,661	1,222	2,885
Derivative contracts	173,917	215,420	299,851
Due on unsettled securities trades	166,607	160,425	266,470
Other liabilities	151,906	191,431	169,137
Total liabilities	21,546,008	21,397,725	21,286,701
Shareholders' equity:
Common stock	4	4	4
Capital surplus	794,292	782,805	769,928
Retained earnings	1,842,022	1,743,880	1,654,516
Treasury stock	(114,856)	(112,802)	(109,481)
Accumulated other comprehensive income	146,255	107,839	113,771
Total shareholders' equity	2,667,717	2,521,726	2,428,738
Non-controlling interest	24,457	22,152	21,289
Total equity	2,692,174	2,543,878	2,450,027
Total liabilities and equity	$ 24,238,182	$ 23,941,603	$ 23,736,728

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Consolidated Balance Sheets (Parenthetical) (USD $) In Thousands, except Share data	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
Securities:
Investments securities, fair value	$ 369,247	$ 346,105	$ 363,886
Interest bearing deposits:
Interest bearing deposit liabilities measured at fair value	$ 0	$ 27,414	$ 27,957
Shareholders' equity:
Common stock, par value	$ 0.00006	$ 0.00006	$ 0.00006
Common stock, shares authorized (in shares)	2,500,000,000	2,500,000,000	2,500,000,000
Common stock, shares issued (in shares)	71,100,444	70,815,563	70,616,414
Common stock, shares outstanding (in shares)	71,100,444	70,815,563	70,616,414
Treasury stock, shares (in shares)	2,637,575	2,607,874	2,535,617

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Federal and State Income Taxes (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Amount: [Abstract]
Federal statutory tax	$ 38,868	$ 34,160	$ 75,100	$ 65,879
Tax exempt revenue	(1,331)	(1,388)	(2,694)	(2,793)
Effect of state income taxes, net of federal benefit	2,738	2,003	5,376	3,718
Utilization of tax credits	(594)	(1,712)	(1,093)	(3,040)
Bank-owned life insurance	(979)	(877)	(1,964)	(1,742)
Other, net	655	(144)	3,384	303
Total	$ 39,357	$ 32,042	$ 78,109	$ 62,325
Percent of pretax income: [Abstract]
Federal statutory tax (in hundredths)	35.00%	35.00%	35.00%	35.00%
Tax exempt revenue (in hundredths)	(1.00%)	(1.00%)	(1.00%)	(1.00%)
Effect of state income taxes, net of federal benefit (in hundredths)	3.00%	2.00%	3.00%	2.00%
Utilization of tax credits (in hundredths)	(1.00%)	(2.00%)	(1.00%)	(2.00%)
Bank-owned life insurance (in hundredths)	(1.00%)	(1.00%)	(1.00%)	(1.00%)
Other, net (in hundredths)	1.00%	0.00%	1.00%	0.00%
Total (in hundredths)	36.00%	33.00%	36.00%	33.00%

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Derivatives (Tables)

6 Months Ended

Jun. 30, 2011

Derivatives [Abstract]

Derivative Contracts

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at June 30, 2011 (in thousands):

	Gross Basis								Net Basis²
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	8,258,239	$	114,945	$	8,096,551	$	113,534	$	91,439		$	90,028
Energy contracts		1,917,521		158,922		2,094,878		157,998		51,820			50,896
Agricultural contracts		125,644		6,025		132,573		5,961		1,847			1,783
Foreign exchange contracts		78,471		78,471		78,572		78,572		78,471			78,572
CD options		181,964		18,112		181,964		18,112		18,112			18,112
Total customer derivative before cash collateral		10,561,839		376,475		10,584,538		374,177		241,689			239,391
Less: cash collateral		–		–		–		–		(14,014	)		(65,474	)
Total customer derivatives		10,561,839		376,475		10,584,538		374,177		227,675			173,917
Interest rate risk management programs		44,000		2,212		–		–		2,212			–
Total derivative contracts	$	10,605,839	$	378,687	$	10,584,538	$	374,177	$	229,887		$	173,917

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

² Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

When bilateral netting agreements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by counterparty basis.

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2010 (in thousands):

	Gross Basis								Net Basis²
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	11,664,409	$	235,961	$	11,524,077	$	233,421	$	141,279		$	138,739
Energy contracts		1,914,519		188,655		2,103,923		191,075		76,746			79,166
Agricultural contracts		183,250		10,616		186,709		10,534		4,226			4,144
Foreign exchange contracts		45,014		45,014		45,014		45,014		45,014			45,014
CD options		160,535		16,247		160,535		16,247		16,247			16,247
Total customer derivative before cash collateral		13,967,727		496,493		14,020,258		496,291		283,512			283,310
Less: cash collateral		–		–		–		–		(15,017	)		(68,987	)
Total customer derivatives		13,967,727		496,493		14,020,258		496,291		268,495			214,323
Interest rate risk management programs		124,000		1,950		17,977		1,097		1,950			1,097
Total derivative contracts	$	14,091,727	$	498,443	$	14,038,235	$	497,388	$	270,445		$	215,420

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

² Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at June 30, 2010 (in thousands):

	Gross Basis								Net Basis2
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	9,128,247	$	199,965	$	8,975,646	$	198,807	$	153,044		$	151,858
Energy contracts		2,667,481		327,577		3,007,643		332,804		119,537			124,764
Agricultural contracts		236,113		6,882		242,192		6,607		936			657
Foreign exchange contracts		54,241		54,241		54,241		54,241		54,241			54,241
CD options		107,740		6,854		107,740		6,854		6,854			6,854
Total customer derivative before cash collateral		12,193,822		595,519		12,387,462		599,313		334,612			338,374
Less: cash collateral		–		–		–		–		(7,873	)		(38,619	)
Total customer derivatives		12,193,822		595,519		12,387,462		599,313		326,739			299,755
Interest rate risk management programs		168,000		7,837		28,357		96		7,837			96
Total derivative contracts	$	12,361,822	$	603,356	$	12,415,819	$	599,409	$	334,576		$	299,851

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

2 Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

Derivative Instruments, Gain (Loss) in Statement of Financial Performance

The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands):

	Three Months Ended June 30, 2011				Three Months Ended June 30, 2010
	Brokerage and Trading Revenue		Gain (Loss) on Derivatives, Net		Brokerage and Trading Revenue			Gain (Loss) on Derivatives, Net
Customer Risk Management Programs:
Interest rate contracts	$	24	$	–	$	(800	)	$	–
Energy contracts		912		–		2,549			–
Agricultural contracts		92		–		203			–
Foreign exchange contracts		75		–		84			–
CD options		–		–		–			–
Total Customer Derivatives		1,103		–		2,036			–
Interest Rate Risk Management Programs		–		1,225		–			7,552
Total Derivative Contracts	$	1,103	$	1,225	$	2,036		$	7,552

	Six Months Ended June 30, 2011						Six Months Ended June 30, 2010
	Brokerage and Trading Revenue			Gain (Loss) on Derivatives, Net			Brokerage and Trading Revenue		Gain (Loss) on Derivatives, Net
Customer Risk Management Programs:
Interest rate contracts	$	(2,512	)	$	–		$	763	$	–
Energy contracts		4,399			–			3,997		–
Agricultural contracts		160			–			396		–
Foreign exchange contracts		183			–			174		–
CD options		–			–			–		–
Total Customer Derivatives		2,230			–			5,330		–
Interest Rate Risk Management Programs		–			(1,348	)		–		6,676
Total Derivative Contracts	$	2,230		$	(1,348	)	$	5,330	$	6,676

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Document And Entity Information (USD $)	6 Months Ended
	Jun. 30, 2011
Entity Registrant Name	BOK FINANCIAL CORP ET AL
Entity Central Index Key	0000875357
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	Yes
Entity Current Reporting Status	No
Entity Filer Category	Large Accelerated Filer
Entity Public Float	$ 1,200,000,000
Entity Common Stock, Shares Outstanding	68,274,150
Document Fiscal Year Focus	2011
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2011

XML



Reportable Segments (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue	$ 174,001	$ 182,113	$ 344,640	$ 364,687
Provision for credit losses	2,700	36,040	8,950	78,140
Decrease in fair value of mortgage service rights	(13,493)	(19,458)	(10,364)	(5,526)
Income before taxes	111,052	97,600	214,570	188,225
Federal and state income tax	39,357	32,042	78,109	62,325
Net income	71,695	65,558	136,461	125,900
Net income attributable to non-controlling interest	2,688	2,036	2,680	2,245
Net income attributable to BOK Financial Corporation	69,007	63,522	133,781	123,655
Commercial [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	86,067	85,129	170,020	170,027
Net interest revenue (expense) from internal sources	(7,225)	(12,633)	(16,270)	(25,016)
Net interest revenue	78,842	72,496	153,750	145,011
Other operating revenue	36,104	33,531	71,610	63,213
Operating expense	54,594	50,578	107,112	100,401
Provision for credit losses	4,660	22,477	11,437	50,856
Decrease in fair value of mortgage service rights	0	0	0	0
Gain on financial instruments, net	0	0	0	0
Loss on repossessed assets, net	(3,147)	(10,741)	(6,731)	(15,764)
Income before taxes	52,545	22,231	100,080	41,203
Federal and state income tax	20,440	8,648	38,931	16,028
Net income	32,105	13,583	61,149	25,175
Net income attributable to non-controlling interest	0	0	0	0
Net income attributable to BOK Financial Corporation	32,105	13,583	61,149	25,175
Average assets	9,393,935	8,982,359	9,283,264	9,078,390
Average invested capital	867,491	909,930	865,439	920,056
Performance measurements: [Abstract]
Return on average assets	1.37%	0.61%	1.33%	0.56%
Return on average invested capital	14.84%	5.99%	14.25%	5.52%
Efficiency ratio	47.50%	47.70%	47.53%	48.22%
Consumer [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	21,357	21,498	40,022	40,993
Net interest revenue (expense) from internal sources	7,597	11,444	16,655	23,323
Net interest revenue	28,954	32,942	56,677	64,316
Other operating revenue	46,340	50,439	89,760	93,661
Operating expense	58,130	61,613	113,269	117,782
Provision for credit losses	3,435	10,300	7,035	14,008
Decrease in fair value of mortgage service rights	(13,493)	(19,458)	(10,364)	(5,526)
Gain on financial instruments, net	11,145	22,431	5,208	22,220
Loss on repossessed assets, net	(229)	90	(421)	121
Income before taxes	11,152	14,531	20,556	43,002
Federal and state income tax	4,338	5,653	7,996	16,728
Net income	6,814	8,878	12,560	26,274
Net income attributable to non-controlling interest	0	0	0	0
Net income attributable to BOK Financial Corporation	6,814	8,878	12,560	26,274
Average assets	5,819,151	6,197,861	5,940,101	6,178,632
Average invested capital	271,353	312,192	272,301	290,796
Performance measurements: [Abstract]
Return on average assets	0.47%	0.57%	0.43%	0.86%
Return on average invested capital	10.07%	11.41%	9.30%	18.22%
Efficiency ratio	77.20%	73.89%	77.35%	74.56%
Wealth Management [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	7,184	8,358	14,713	16,987
Net interest revenue (expense) from internal sources	3,476	2,391	6,219	5,412
Net interest revenue	10,660	10,749	20,932	22,399
Other operating revenue	42,699	42,020	82,558	79,340
Operating expense	46,899	43,829	90,086	84,901
Provision for credit losses	836	3,135	1,280	5,900
Decrease in fair value of mortgage service rights	0	0	0	0
Gain on financial instruments, net	0	15	18	16
Loss on repossessed assets, net	0	0	0	0
Income before taxes	5,624	5,820	12,142	10,954
Federal and state income tax	2,188	2,264	4,723	4,261
Net income	3,436	3,556	7,419	6,693
Net income attributable to non-controlling interest	0	0	0	0
Net income attributable to BOK Financial Corporation	3,436	3,556	7,419	6,693
Average assets	3,659,617	3,355,079	3,643,497	3,321,811
Average invested capital	176,069	167,903	175,505	167,495
Performance measurements: [Abstract]
Return on average assets	0.38%	0.43%	0.41%	0.41%
Return on average invested capital	7.83%	8.49%	8.52%	8.06%
Efficiency ratio	87.89%	83.06%	87.05%	83.45%
Tax Equivalent Adjustment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	2,261	2,327	4,582	4,743
Net interest revenue (expense) from internal sources	0	0	0	0
Net interest revenue	2,261	2,327	4,582	4,743
Other operating revenue	0	0	0	0
Operating expense	0	0	0	0
Provision for credit losses	0	0	0	0
Decrease in fair value of mortgage service rights	0	0	0	0
Gain on financial instruments, net	0	0	0	0
Loss on repossessed assets, net	0	0	0	0
Income before taxes	2,261	2,327	4,582	4,743
Federal and state income tax	0	0	0	0
Net income	2,261	2,327	4,582	4,743
Net income attributable to non-controlling interest	0	0	0	0
Net income attributable to BOK Financial Corporation	2,261	2,327	4,582	4,743
Average assets	0	0	0	0
Average invested capital	0	0	0	0
Funds Management and Other [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	57,132	64,801	115,303	131,937
Net interest revenue (expense) from internal sources	(3,848)	(1,202)	(6,604)	(3,719)
Net interest revenue	53,284	63,599	108,699	128,218
Other operating revenue	6,027	3,723	10,448	7,424
Operating expense	26,695	19,790	53,098	45,391
Provision for credit losses	(6,231)	128	(10,802)	7,376
Decrease in fair value of mortgage service rights	0	0	0	0
Gain on financial instruments, net	645	5,280	936	5,448
Loss on repossessed assets, net	(22)	7	(577)	0
Income before taxes	39,470	52,691	77,210	88,323
Federal and state income tax	12,391	15,477	26,459	25,308
Net income	27,079	37,214	50,751	63,015
Net income attributable to non-controlling interest	2,688	2,036	2,680	2,245
Net income attributable to BOK Financial Corporation	24,391	35,178	48,071	60,770
Average assets	5,106,532	4,909,508	4,982,749	4,821,760
Average invested capital	1,335,976	988,704	1,294,836	960,552
BOK Financial Consolidated [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Net interest revenue from external sources	174,001	182,113	344,640	364,687
Net interest revenue (expense) from internal sources	0	0	0	0
Net interest revenue	174,001	182,113	344,640	364,687
Other operating revenue	131,170	129,713	254,376	243,638
Operating expense	186,318	175,810	363,565	348,475
Provision for credit losses	2,700	36,040	8,950	78,140
Decrease in fair value of mortgage service rights	(13,493)	(19,458)	(10,364)	(5,526)
Gain on financial instruments, net	11,790	27,726	6,162	27,684
Loss on repossessed assets, net	(3,398)	(10,644)	(7,729)	(15,643)
Income before taxes	111,052	97,600	214,570	188,225
Federal and state income tax	39,357	32,042	78,109	62,325
Net income	71,695	65,558	136,461	125,900
Net income attributable to non-controlling interest	2,688	2,036	2,680	2,245
Net income attributable to BOK Financial Corporation	69,007	63,522	133,781	123,655
Average assets	23,979,235	23,444,807	23,849,611	23,400,593
Average invested capital	$ 2,650,889	$ 2,378,729	$ 2,608,081	$ 2,338,899
Performance measurements: [Abstract]
Return on average assets	1.15%	1.09%	1.13%	1.07%
Return on average invested capital	10.44%	10.71%	10.34%	10.66%
Efficiency ratio	62.23%	59.56%	60.69%	57.28%

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Shareholders' Equity (Tables)

6 Months Ended

Jun. 30, 2011

Shareholders' Equity [Abstract]

Accumulated Other Comprehensive Income (Loss)

A rollforward of the components of accumulated other comprehensive income (loss) is includes as follows (in thousands):

	Unrealized			Non-Credit			Accumulated			Unrealized
	Gain (Loss)			Related			(Loss) on			(Loss)
	On Available			Unrealized			Effective			On
	For Sale			Losses on			Cash Flow			Employee
	Securities			OTTI Securities1			Hedges			Benefit Plans			Total
Balance at December 31, 2009	$	59,772		$	(53,000	)	$	(1,039	)	$	(16,473	)	$	(10,740	)
Net change in unrealized gains (losses) on securities		195,882			12,006			–			–			207,888
Unrealized loss on newly identified other-than-temporary securities		20,667			(20,667	)		–			–			–
Credit losses recognized in earnings		–			6,871			–			–			6,871
Tax benefit (expense) on unrealized gains (losses)		(83,845	)		945			–			(145	)		(83,045	)
Reclassification adjustment for (gains) losses realized and included in net income		(12,545	)		–			136			–			(12,409	)
Reclassification adjustment for tax expense (benefit)on realized gains (losses)		4,886			–			(53	)		–			4,833
Unrealized gains on employee benefit plans		–			–			–			373			373
Balance at June 30, 2010	$	184,817		$	(53,845	)	$	(956	)	$	(16,245	)	$	113,771
Balance at December 31, 2010	$	157,770		$	(35,276	)	$	(878	)	$	(13,777	)	$	107,839
Net change in unrealized gains (losses) on securities		73,466			(9,448	)		–			–			64,018
Credit losses recognized in earnings		–			9,349			–			–			9,349
Transfer from Non-Credit Related Unrealized Losses on OTTI Securities to unrealized gain on available for sale securities		180			(180	)		–			–			–
Tax benefit (expense) on unrealized gains (losses)		(29,372	)		662			–			–			(28,710	)
Reclassification adjustment for (gains) losses realized and included in net income		(10,370	)		–			156			–			(10,214	)
Reclassification adjustment for tax expense (benefit) on realized gains (losses)		4,034			–			(61	)		–			3,973
Unrealized gains on employee benefit plans		–			–			–			–			–
Balance at June 30, 2011	$	195,708		$	(34,893	)	$	(783	)	$	(13,777	)	$	146,255

  1Represents changes in unrealized losses recognized in AOCI on available for sale securities for which an other-than-temporary impairment (“OTTI”) was recorded in earnings.

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Earnings Per Share (Details) (USD $) In Thousands, except Share data	3 Months Ended				6 Months Ended
	Jun. 30, 2011		Jun. 30, 2010		Jun. 30, 2011		Jun. 30, 2010
Numerator: [Abstract]:
Net income	$ 69,007		$ 63,522		$ 133,781		$ 123,655
Earnings allocated to participating securities	(559)		(434)		(1,020)		(767)
Numerator for basic earnings per share - income available to common shareholders	68,448		63,088		132,761		122,888
Effect of reallocating undistributed earnings of participating securities	2		1		3		2
Numerator for diluted earnings per share - income available to common shareholders	$ 68,450		$ 63,089		$ 132,764		$ 122,890
Denominator: [Abstract]
Weighted average shares outstanding (in shares)	68,451,428		68,069,864		68,419,699		68,018,225
Less: Participating securities included in weighted average shares outstanding (in shares)	(552,945)		(464,057)		(519,420)		(418,876)
Denominator for basic earnings per common share (in shares)	67,898,483		67,605,807		67,900,279		67,599,349
Dilutive effect of employee stock compensation plans (in shares)	271,002	[1]	274,780	[1]	272,903	[1]	236,257	[1]
Denominator for diluted earnings per common share (in shares)	68,169,485		67,880,587		68,173,182		67,835,606
Basic earnings per share (per share)	$ 1.01		$ 0.93		$ 1.96		$ 1.82
Diluted earnings per share (per share)	$ 1.00		$ 0.93		$ 1.95		$ 1.81
Excludes employee stock options with exercise prices greater than current market price.	785,686		601,361		771,343		1,018,503

[1] Excludes employee stock options with exercise prices greater than current market price.

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Employee Benefits

6 Months Ended

Jun. 30, 2011

Compensation And Retirment Disclosure [Abstract]

Employee Benefits

(6) Employee Benefits

BOK Financial has sponsored a defined benefit Pension Plan for all employees who satisfied certain age and service requirements.  Pension Plan benefits were curtailed as of April 1, 2006.  The Company recognized periodic pension expense of $1.2 million and $955 thousand for the three months ended June 30, 2011 and 2010, respectively and $1.9 million and $1.6 million for the six months ended June 30, 2011 and 2010, respectively.  The Company made no Pension Plan contributions during the six months ended June 30, 2011 and 2010.

Management has been advised that the maximum allowable contribution for 2011 is $28 million.  No minimum contribution is required for 2011.

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Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2011

Earnings Per Share [Abstract]

Earnings Per Share

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Numerator:
Net income	$	69,007		$	63,522		$	133,781		$	123,655
Earnings allocated to participating securities		(559	)		(434	)		(1,020	)		(767	)
Numerator for basic earnings per share – income available to common shareholders		68,448			63,088			132,761			122,888
Effect of reallocating undistributed earnings of participating securities		2			1			3			2
Numerator for diluted earnings per share – income available to common shareholders	$	68,450		$	63,089		$	132,764		$	122,890
Denominator:
Weighted average shares outstanding		68,451,428			68,069,864			68,419,699			68,018,225
Less:  Participating securities included in weighted average shares outstanding		(552,945	)		(464,057	)		(519,420	)		(418,876	)
Denominator for basic earnings per common share		67,898,483			67,605,807			67,900,279			67,599,349
Dilutive effect of employee stock compensation plans1		271,002			274,780			272,903			236,257
Denominator for diluted earnings per common share		68,169,485			67,880,587			68,173,182			67,835,606
Basic earnings per share	$	1.01		$	0.93		$	1.96		$	1.82
Diluted earnings per share	$	1.00		$	0.93		$	1.95		$	1.81
1Excludes employee stock options with exercise prices greater than current market price.		785,686			601,361			771,343			1,018,503

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Mortgage Banking Activities, Loans Sold With Recourse (Details) (USD $)	3 Months Ended			6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Mar. 31, 2010	Jun. 30, 2011	Jun. 30, 2010	Dec. 31, 2010
Activity in the allowance for losses on loans sold with recourse [Roll forward]
Beginning balance	$ 16,487,000	$ 13,781,000	$ 13,781,000	$ 16,667,000	$ 13,781,000
Provision for recourse losses	2,532,000	1,568,000		3,326,000	2,867,000
Loans charged off, net	(1,479,000)	(1,568,000)		(2,453,000)	(2,867,000)
Ending balance	17,540,000	13,781,000	13,781,000	17,540,000	13,781,000
Number of residential mortgage loans purchased for servicing			34,000
Principal balance of residential mortgage loans purchased for servicing			4,200,000,000
Payments to acquire mortgage servicing rights (MSR)			32,000,000
Servicing asset at fair value, additions			43,700,000
Servicing asset acquired variance between fair value and acquisition price			11,800,000
Economic hedge threshold for interest rate sensitivity for mortgage servicing rights and securities held (in basis points)	50 BPS			50 BPS
Dollar increase in fair value, net of economic hedge, of mortgage servicing rights due to 50 basis point increase in mortgage interest rates	700,000			700,000
Dollar decrease in fair value, net of economic hedge, of mortgage servicing rights due to 50 basis point decrease in mortgage interest rates	7,100,000			7,100,000
Loans Sold Under Repurchase Agreement [Abstract]
Carrying amount of residential mortgage loans sold and subject to repurchase agreement	274,000,000	311,000,000		274,000,000	311,000,000	289,000,000
Accrual for off-balance sheet commitments to repurchase loans sold	18,000,000	14,000,000		18,000,000	14,000,000	17,000,000
Percentage of loans sold with recourse and either more than 90 days past due or in bankruptcy or foreclosure (in hundredths)	6.00%			6.00%
Principal balance of loans sold with recourse and either 90 days or more past due or in bankruptcy or foreclosure	16,000,000			16,000,000
Percentage of loans sold with recourse and 30 to 89 days past due (in hundredths)	5.00%			5.00%
Principal balance of loans sold with recourse and 30 to 89 days past due	14,000,000			14,000,000
Percentage of purchase requests	10.00%			10.00%
Number of mortgages purchased under repurchase agreement with government sponsored entities.	2			2
Purchase price of loans purchased under repurchase agreement with government sponsored entities	361,000			361,000
Number of loans with unresolved deficiency requests	166			166
Principal balance of loans with unresolved deficiency requests	27,000,000			27,000,000
Allowance for credit losses for loan repurchase under representations and warranties	$ 2,100,000			$ 2,100,000

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Loans Part 4 (Details) (USD $) In Thousands	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2011	Jun. 30, 2011	Jun. 30, 2010	Dec. 31, 2010
Impaired receivables [Abstract]
Unpaid principal balance	$ 254,963	$ 254,963		$ 301,032
Recorded investment, total	176,331	176,331	292,679	202,503
Recorded investement, with no allowance	146,331	146,331	194,782	169,005
Recorded investement, with allowance	30,000	30,000	97,897	33,498
Recorded investement, related allowance	6,683	6,683	19,578	7,132
Recorded investement, average recorded investment	186,890	189,420	319,655	262,368
Recorded investement, interest income recognized	0	0
Commercial Loan [Member]
Impaired receivables [Abstract]
Unpaid principal balance	84,070	84,070		67,546
Recorded investment, total	53,162	53,162		38,322
Recorded investement, with no allowance	46,833	46,833		33,269
Recorded investement, with allowance	6,329	6,329		5,053
Recorded investement, related allowance	2,440	2,440		2,066
Recorded investement, average recorded investment	55,232	45,743
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Energy Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	345	345		559
Recorded investment, total	345	345		465
Recorded investement, with no allowance	345	345		404
Recorded investement, with allowance	0	0		61
Recorded investement, related allowance	0	0		60
Recorded investement, average recorded investment	380	405
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Services Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	26,441	26,441		28,579
Recorded investment, total	16,254	16,254		19,262
Recorded investement, with no allowance	15,525	15,525		15,985
Recorded investement, with allowance	729	729		3,277
Recorded investement, related allowance	273	273		1,227
Recorded investement, average recorded investment	15,987	17,758
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Wholesale Retail Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	31,770	31,770		14,717
Recorded investment, total	25,138	25,138		8,486
Recorded investement, with no allowance	22,751	22,751		7,562
Recorded investement, with allowance	2,387	2,387		924
Recorded investement, related allowance	1,742	1,742		684
Recorded investement, average recorded investment	27,775	16,812
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Manufacturing Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	9,259	9,259		5,811
Recorded investment, total	4,366	4,366		2,116
Recorded investement, with no allowance	2,012	2,012		2,116
Recorded investement, with allowance	2,354	2,354		0
Recorded investement, related allowance	259	259		0
Recorded investement, average recorded investment	4,456	3,241
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Healthcare Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	7,659	7,659		4,701
Recorded investment, total	5,962	5,962		3,534
Recorded investement, with no allowance	5,103	5,103		2,743
Recorded investement, with allowance	859	859		791
Recorded investement, related allowance	166	166		95
Recorded investement, average recorded investment	4,268	4,748
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Integrated Food Services Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	0	0		172
Recorded investment, total	0	0		13
Recorded investement, with no allowance	0	0		13
Recorded investement, with allowance	0	0		0
Recorded investement, related allowance	0	0		0
Recorded investement, average recorded investment	3	7
Recorded investement, interest income recognized	0	0
Commercial Loan [Member] | Commercial Other Commercial and Industrial [Member]
Impaired receivables [Abstract]
Unpaid principal balance	8,596	8,596		13,007
Recorded investment, total	1,097	1,097		4,446
Recorded investement, with no allowance	1,097	1,097		4,446
Recorded investement, with allowance	0	0		0
Recorded investement, related allowance	0	0		0
Recorded investement, average recorded investment	2,363	2,772
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member]
Impaired receivables [Abstract]
Unpaid principal balance	156,322	156,322		216,319
Recorded investment, total	110,363	110,363		150,366
Recorded investement, with no allowance	93,134	93,134		125,656
Recorded investement, with allowance	17,229	17,229		24,710
Recorded investement, related allowance	3,139	3,139		4,207
Recorded investement, average recorded investment	117,935	130,366
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	115,337	115,337		138,922
Recorded investment, total	76,265	76,265		99,579
Recorded investement, with no allowance	65,094	65,094		84,959
Recorded investement, with allowance	11,171	11,171		14,620
Recorded investement, related allowance	1,966	1,966		2,428
Recorded investement, average recorded investment	83,486	87,922
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Retail Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	5,652	5,652		6,111
Recorded investment, total	4,642	4,642		4,978
Recorded investement, with no allowance	1,855	1,855		1,968
Recorded investement, with allowance	2,787	2,787		3,010
Recorded investement, related allowance	612	612		514
Recorded investement, average recorded investment	4,959	4,810
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Office Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	14,749	14,749		25,702
Recorded investment, total	11,473	11,473		19,654
Recorded investement, with no allowance	9,713	9,713		18,798
Recorded investement, with allowance	1,760	1,760		856
Recorded investement, related allowance	207	207		106
Recorded investement, average recorded investment	13,051	15,564
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Multifamily Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	5,381	5,381		24,368
Recorded investment, total	4,717	4,717		6,725
Recorded investement, with no allowance	4,717	4,717		6,129
Recorded investement, with allowance	0	0		596
Recorded investement, related allowance	0	0		115
Recorded investement, average recorded investment	3,309	5,721
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Industrial [Member]
Impaired receivables [Abstract]
Unpaid principal balance	0	0		4,087
Recorded investment, total	0	0		4,087
Recorded investement, with no allowance	0	0
Recorded investement, with allowance	0	0		4,087
Recorded investement, related allowance	0	0		723
Recorded investement, average recorded investment	0	2,044
Recorded investement, interest income recognized	0	0
Commercial Real Estate [Member] | Commercial Real Estate Other Real Estate Loans Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	15,203	15,203		17,129
Recorded investment, total	13,266	13,266		15,343
Recorded investement, with no allowance	11,755	11,755		13,802
Recorded investement, with allowance	1,511	1,511		1,541
Recorded investement, related allowance	354	354		321
Recorded investement, average recorded investment	13,130	14,305
Recorded investement, interest income recognized	0	0
Residential Mortgage [Member]
Impaired receivables [Abstract]
Unpaid principal balance	12,122	12,122		15,258
Recorded investment, total	10,885	10,885		12,064
Recorded investement, with no allowance	5,016	5,016		8,574
Recorded investement, with allowance	5,869	5,869		3,490
Recorded investement, related allowance	989	989		781
Recorded investement, average recorded investment	11,479	11,475
Recorded investement, interest income recognized	0	0
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member]
Impaired receivables [Abstract]
Unpaid principal balance	12,122	12,122		15,258
Recorded investment, total	10,885	10,885		12,064
Recorded investement, with no allowance	5,016	5,016		8,574
Recorded investement, with allowance	5,869	5,869		3,490
Recorded investement, related allowance	989	989		781
Recorded investement, average recorded investment	11,479	11,475
Recorded investement, interest income recognized	0	0
Consumer Loan [Member]
Impaired receivables [Abstract]
Unpaid principal balance	2,449	2,449		1,909
Recorded investment, total	1,921	1,921		1,751
Recorded investement, with no allowance	1,348	1,348		1,506
Recorded investement, with allowance	573	573		245
Recorded investement, related allowance	115	115		78
Recorded investement, average recorded investment	2,244	1,836
Recorded investement, interest income recognized	0	0
Consumer Loan [Member] | Consumer Other Financing Receivable [Member]
Impaired receivables [Abstract]
Unpaid principal balance	2,449	2,449		1,909
Recorded investment, total	1,921	1,921		1,751
Recorded investement, with no allowance	1,348	1,348		1,506
Recorded investement, with allowance	573	573		245
Recorded investement, related allowance	115	115		78
Recorded investement, average recorded investment	2,244	1,836
Recorded investement, interest income recognized	$ 0	$ 0

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Mortgage Banking Activities (Tables)

6 Months Ended

Jun. 30, 2011

Mortgage Banking Activities [Abstract]

Component of Residential Mortgage Loans Held For Sale

The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loans commitments and forward contract sales and their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands):

	June 30, 2011					December 31, 2010				June 30, 2010
	Unpaid Principal Balance/ Notional		Fair  Value			Unpaid Principal Balance/ Notional		Fair Value		Unpaid Principal  Balance/ Notional		Fair Value
Residential mortgage loans held for sale	$	162,579	$	167,300		$	253,778	$	254,669	$	227,574	$	229,493
Residential mortgage loan commitments		156,209		2,793			138,870		2,251		189,029		5,538
Forward sales contracts		302,526		(484	)		396,422		6,493		407,457		(7,457	)
			$	169,609				$	263,413			$	227,574

Servicing fee income and late charges on loans serviced for others is included Mortgage banking revenue along with revenue from originating and marketing residential mortgage loans, including gains (losses) on residential mortgage loans held for sale and changes in fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments and forward sales contracts, as follows (in thousands):

	Three months ended						Six months ended
	June 30, 2011			June 30, 2010			June 30, 2011			June 30, 2010
Originating and marketing revenue:
Residential mortgage loan held for sale	$	10,037		$	13,528		$	23,373		$	21,326
Residential mortgage loan commitments		(702	)		3,072			542			5,043
Forward sales contracts		74			(7,836	)		(6,977	)		(11,083	)
Total originating and marketing revenue		9,409			8,764			16,938			15,286
Servicing revenue		9,947			9,571			19,774			17,920
Total mortgage banking revenue	$	19,356		$	18,335		$	36,712		$	33,206

Summary of Mortgage Servicing Rights

The following represents a summary of mortgage servicing rights (Dollars in thousands):

	June 30, 2011			December 31, 2010			June 30, 2010
Number of residential mortgage loans serviced		96,578			96,443			96,152
Outstanding principal balance of residential mortgage loans serviced for others	$	11,283,442		$	11,194,582		$	10,991,572
Weighted average interest rate		5.36	%		5.44	%		5.63	%
Remaining term (in months)		291			292			296

Activity in Capitalized Mortgage Servicing Rights

Activity in capitalized mortgage servicing rights during the three months ended June 30, 2011 is as follows (in thousands):

	Purchased			Originated			Total
Balance at March 31, 2011	$	38,343		$	82,002		$	120,345
Additions, net		–			5,798			5,798
Change in fair value due to loan runoff		(1,218	)		(2,240	)		(3,458	)
Change in fair value due to market changes		(4,259	)		(9,234	)		(13,493	)
Balance at June 30, 2011	$	32,866		$	76,326		$	109,192

Activity in capitalized mortgage servicing rights during the six months ended June 30, 2011 is as follows (in thousands):

	Purchased			Originated			Total
Balance at December 31, 2010	$	37,900		$	77,823		$	115,723
Additions, net		–			10,767			10,767
Change in fair value due to loan runoff		(2,551	)		(4,383	)		(6,934	)
Change in fair value due to market changes		(2,483	)		(7,881	)		(10,364	)
Balance at June 30, 2011	$	32,866		$	76,326		$	109,192

Activity in capitalized mortgage servicing rights during the three months ended June 30, 2010 is as follows (in thousands):

	Purchased			Originated			Total
Balance at March 31, 2010	$	51,919		$	67,147		$	119,066
Additions, net		–			5,161			5,161
Change in fair value due to loan runoff		(1,313	)		(4,514	)		(5,827	)
Change in fair value due to market changes		(13,160	)		(6,298	)		(19,458	)
Balance at June 30, 2010	$	37,446		$	61,496		$	98,942

Activity in capitalized mortgage servicing rights during the six months ended June 30, 2010 is as follows (in thousands):

	Purchased			Originated			Total
Balance at December 31, 2009	$	7,828		$	65,996		$	73,824
Additions, net		31,892			10,362			42,254
Change in fair value due to loan runoff		(2,641	)		(8,969	)		(11,610	)
Gain on purchase of mortgage servicing rights		11,832			–			11,832
Change in fair value due to market changes		(11,465	)		(5,893	)		(17,358	)
Balance at June 30, 2010	$	37,446		$	61,496		$	98,942

Significant assumptions considered significant unobservable inputs used to determine fair value are:

	June 30, 2011			December 31, 2010			June 30, 2010
Discount rate – risk-free rate plus a market premium		10.36	%		10.36	%		10.38	%
Prepayment rate – based upon loan interest rate, original term and loan type		10.26% - 38.37	%		6.53% - 23.03	%		8.3% - 34.5	%
Loan servicing costs – annually per loan based upon loan type	$	55 - $105		$	35 - $60		$	35 - $60
Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life		2.02	%		2.21	%		1.34	%

Stratification of Loan Servicing Portfolio

Stratification of the mortgage loan servicing portfolio and outstanding principal of loans serviced by interest rate at June 30, 2011 follows (in thousands):

	< 4.50%				4.50% - 5.49	%		5.50% - 6.49	%	> 6.49%			Total
Fair value	$	10,120		$	62,499		$	31,015		$	5,558		$	109,192
Outstanding principal of loans serviced1	$	1,144,667		$	5,496,830		$	3,339,781		$	1,302,164		$	11,283,442
Weighted average prepayment rate2		11.16	%		10.26	%		17.27	%		38.37	%		15.67	%

1   Excludes outstanding principal of $833 million for loans serviced for affiliates

2    Annual prepayment estimates based upon loan interest rate, original term and loan type

Aging Status of Mortgage Loans Serviced For Others

The aging status of our mortgage loans service for others by investor at June 30, 2011 follows (in thousands):

			Past Due
	Current		30 to 59 Days		60 to 89 Days		90 Days or More		Total
FHLMC	$	5,469,151	$	47,973	$	15,238	$	62,673	$	5,595,035
FNMA		1,333,645		23,490		5,728		26,039		1,388,902
GNMA		3,541,114		127,350		33,900		120,756		3,823,120
Other		447,872		9,991		3,077		15,445		476,385
Total	$	10,791,782	$	208,804	$	57,943	$	224,913	$	11,283,442

Activity in Allowance for Losses On Loans Sold With Recourse

The activity in the allowance for losses on loans sold with recourse included in Other liabilities in the Consolidated Balance Sheets is summarized as follows (in thousands):

	Three Months ended June 30,						Six Months ended June 30,
	2011			2010			2011			2010
Beginning balance	$	16,487		$	13,781		$	16,667		$	13,781
Provision for recourse losses		2,532			1,568			3,326			2,867
Loans charged off, net		(1,479	)		(1,568	)		(2,453	)		(2,867	)
Ending balance	$	17,540		$	13,781		$	17,540		$	13,781

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Fair Value Measurements

6 Months Ended

Jun. 30, 2011

Fair Value Measurements [Abstract]

Fair Value Measurements

(11) Fair Value Measurements

Fair value is defined by applicable accounting guidance as the price to sell an asset or transfer a liability in an orderly transaction between market participants in the principal market for the given asset or liability.  Certain assets and liabilities are recorded in the Company's financial statements at fair value.  Some are recorded on a recurring basis and some on a non-recurring basis.

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of June 30, 2011 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	1,110,761										$	1,110,761
Trading securities		99,846											99,846
Investment securities:
Municipal and other tax-exempt		160,870											165,449
Other debt securities		188,713											203,798
Total investment securities		349,583											369,247
Available for sale securities:
U.S. Treasury		1,003											1,003
Municipal and other tax-exempt		70,210											70,210
U.S. agency residential mortgage-backed securities		8,893,789											8,893,789
Private issue residential mortgage-backed securities		513,222											513,222
Other debt securities		5,893											5,893
Perpetual preferred stock		22,694											22,694
Equity securities and mutual funds		60,197											60,197
Total available for sale securities		9,567,008											9,567,008
Mortgage trading securities		553,231											553,231
Residential mortgage loans held for sale		169,609											169,609
Loans:
Commercial		6,178,596			0.25 – 18.00	%		0.60		0.72 – 4.50	%		6,085,941
Commercial real estate		2,183,715			0.38 – 18.00	%		1.18		0.28 – 3.66	%		2,134,950
Residential mortgage		1,867,997			0.38 – 18.00	%		3.32		0.74 – 4.31	%		1,915,710
Consumer		507,236			0.38 – 21.00	%		0.53		1.96 – 3.74	%		507,831
Total loans		10,737,544											10,644,432
Allowance for loan losses		(286,611	)										–
Net loans		10,450,933											10,644,432
Mortgage servicing rights		109,192											109,192
Derivative instruments with positive fair value, net of cash margin		229,887											229,887
Other assets – private equity funds		28,313											28,313
Deposits with no stated maturity		13,951,177											13,951,177
Time deposits		3,634,700			0.01 – 9.64	%		1.91		0.76 – 1.45	%		3,655,527
Other borrowings		2,962,759			0.07 – 6.58	%		0.00		0.07 – 2.65	%		2,962,773
Subordinated debentures		398,788			5.19 – 5.82	%		1.87		3.50	%		412,242
Derivative instruments with negative fair value, net of cash margin		173,917											173,917

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2010 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	1,269,404										$	1,269,404
Trading securities		55,467											55,467
Investment securities:
Municipal and other tax-exempt		184,898											188,577
Other debt securities		154,655											157,528
Total investment securities		339,553											346,105
Available for sale securities:
Municipal and other tax-exempt		72,942											72,942
U.S. agency residential mortgage-backed securities		8,446,908											8,446,908
Privately issued residential mortgage-backed securities		644,210											644,210
Other debt securities		6,401											6,401
Perpetual preferred stock		22,114											22,114
Equity securities and mutual funds		43,046											43,046
Total available for sale securities		9,235,621											9,235,621
Mortgage trading securities		428,021											428,021
Residential mortgage loans held for sale		263,413			–			–		–			263,413
Loans:
Commercial		5,933,996			0.25 –18.00	%		0.57		0.72 – 4.67	%		5,849,443
Commercial real estate		2,277,350			0.38 –18.00	%		1.17		0.29 – 3.81	%		2,221,443
Residential mortgage		1,828,248			0.38 –18.00	%		3.65		0.79 – 4.58	%		1,860,913
Consumer		603,442			0.38 –21.00	%		0.67		1.98 – 3.91	%		605,656
Total loans		10,643,036											10,537,455
Allowance for loan losses		(292,971	)										–
Net loans		10,350,065											10,537,455
Mortgage servicing rights		115,723											115,723
Derivative instruments with positive fair value, net of cash margin		270,445											270,445
Other assets – private equity funds		25,436											25,436
Deposits with no stated maturity		13,669,893											13,669,893
Time deposits		3,509,168			0.01 –9.64	%		1.85		0.82 – 1.56	%		2,979,505
Other borrowings		3,117,358			0.13 –6.58	%		0.02		0.13 – 2.73	%		2,982,460
Subordinated debentures		398,701			5.19 –5.82	%		2.30		3.72	%		413,328
Derivative instruments with negative fair value, net of cash margin		215,420											215,420

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of June 30, 2010 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	852,526										$	852,526
Trading securities		62,159											62,159
Investment securities:
Municipal and other tax-exempt		221,702											227,301
Other debt securities		131,575											136,585
Total investment securities		353,277											363,886
Available for sale securities:
Municipal and other tax-exempt		66,439											66,439
U.S. agency residential mortgage-backed securities		8,223,719											8,223,719
Private issue residential mortgage-backed securities		735,516											735,516
Other debt securities		13,064											13,064
Perpetual preferred stock		19,881											19,881
Equity securities and mutual funds		47,209											47,209
Total available for sale securities		9,105,828											9,105,828
Mortgage trading securities		534,641											534,641
Residential mortgage loans held for sale		227,574											227,574
Loans:
Commercial		6,011,528			0.25 – 18.00	%		0.54		0.72 – 4.61	%		5,915,895
Commercial real estate		2,340,909			0.38 – 18.00			1.08		0.30 – 3.91			2,291,533
Residential mortgage		1,834,246			0.38 – 18.00			3.12		1.16 – 4.17			1,912,579
Consumer		696,034			0.38 – 21.00			0.90		1.92 – 4.16			704,498
Total loans		10,882,717											10,824,505
Allowance for loan losses		(299,489	)										–
Net loans		10,583,228											10,824,505
Mortgage servicing rights		98,942											98,942
Derivative instruments with positive fair value, net of cash margin		334,576											334,576
Other assets – private equity funds		23,834											23,834
Deposits with no stated maturity		12,414,412											12,414,412
Time deposits		3,673,088			0.01 – 9.64			1.54		1.05 – 1.54			3,158,578
Other borrowings		3,970,770			0.14 – 6.58			0.37		0.18 – 2.81			3,834,960
Subordinated debentures		398,617			5.19 – 5.82			2.60		3.88			415,161
Derivative instruments with negative fair value, net of cash margin		299,851											299,851

Because no market exists for certain of these financial instruments and management does not intend to sell these financial instruments, the fair values shown in the tables above may not represent values at which the respective financial instruments could be sold individually or in the aggregate at the given reporting date.

The following methods and assumptions were used in estimating the fair value of these financial instruments:

Cash and Cash Equivalents

The book value reported in the consolidated balance sheet for cash and short-term instruments approximates those assets' fair values.

Securities

The fair values of securities are based on quoted prices for identical instruments in active markets, when available. If quoted prices for identical instruments are not available, fair values are based on significant other observable inputs such as quoted prices of comparable instruments or interest rates and credit spreads, yield curves, volatilities prepayment speeds and loss severities.  Fair values for a portion of the securities portfolio are based on significant unobservable inputs, including projected cash flows discounted as rates indicated by comparison to securities with similar credit and liquidity risk.

Derivatives

All derivative instruments are carried on the balance sheet at fair value. Fair values for exchange-traded contracts are based on quoted prices. Fair values for over-the-counter interest rate, commodity and foreign exchange contracts are based on valuations provided either by third-party dealers in the contracts, quotes provided by independent pricing services, or a third-party provided pricing model that use significant other observable market inputs.

Credit risk is considered in determining the fair value of derivative instruments.  Management determines fair value adjustments based on various risk factors including but not limited to counterparty credit rating or equivalent loan grading, derivative contract notional size, price volatility of the underlying commodity, duration of the derivative contracts and expected loss severity.  Expected loss severity is based on historical losses for similarly risk-graded commercial loan customers.  Decreases in counterparty credit rating or grading and increases in price volatility and expected loss severity all tend to increase the credit quality adjustment which reduces the fair value of asset contracts.  The reduction in fair value is recognized in earnings during the current period.

We also consider our own credit risk in determining the fair value of derivative contracts.  Changes in our credit rating would affect the fair value of our derivative liabilities.  In the event of a credit downgrade, the fair value of our derivative liabilities would increase.  The change in the fair value would be recognized in earnings in the current period.

Residential Mortgage Loans Held for Sale

Residential mortgage loans held for sale are carried on the balance sheet at fair value.  The fair values of residential mortgage loans held for sale are based upon quoted market prices of such loans sold in securitization transactions, including related unfunded loan commitments.

Loans

The fair value of loans, excluding loans held for sale, are based on discounted cash flow analyses using interest rates and credit and liquidity spreads currently being offered for loans with similar remaining terms to maturity and risk, adjusted for the impact of interest rate floors and ceilings. The fair values of loans were estimated to approximate their discounted cash flows less loan loss allowances allocated to these loans of $259 million at June 30, 2011, $266 million at December 31, 2010 and $280 million at June 30, 2010.

Other Assets – Private Equity Funds

The fair value of the portfolio investments of the Company's two private equity funds are based upon net asset value reported by the underlying funds, as adjusted by the general partner when  necessary to represent the price that would be received to sell the assets.  Private equity fund assets are long-term, illiquid investments.  No secondary market exists for these assets.  They may only be realized through cash distributions from the underlying funds.

Deposits

The fair values of time deposits are based on discounted cash flow analyses using interest rates currently being offered on similar transactions.  Estimated fair value of deposits with no stated maturity, which includes demand deposits, transaction deposits, money market deposits and savings accounts, is equal to the amount payable on demand. Although market premiums paid reflect an additional value for these low cost deposits, adjusting fair value for the expected benefit of these deposits is prohibited. Accordingly, the positive effect of such deposits is not included in this table.

Other Borrowings and Subordinated Debentures

The fair values of these instruments are based upon discounted cash flow analyses using interest rates currently being offered on similar instruments.

Off-Balance Sheet Instruments

The fair values of commercial loan commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements. The fair values of these off-balance sheet instruments were not significant at June 30, 2011, December 31, 2010 or June 30, 2010.

Assets and liabilities recorded at fair value in the financial statements on a recurring and non-recurring basis are grouped into three broad levels as follows:

Quoted Prices in active Markets for Identical Instruments – Fair value is based on unadjusted quoted prices in active markets for identical assets or liabilities.

Significant Other Observable Inputs – Fair value is based on significant other observable inputs are generally determined based on a single price for each financial instrument provided to us by an applicable third-party pricing service and are based on one or more of the following:

·   Quoted prices for similar, but not identical, assets or liabilities in active markets;

·   Quoted prices for identical or similar assets or liabilities in inactive markets;

·   Inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks and default rates;

·   Other inputs derived from or corroborated by observable market inputs.

Significant Unobservable Inputs – Fair value is based upon model-based valuation techniques for which at least one significant assumption is not observable in the market.

The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values.  Management has evaluated the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments and discounted cash flows to establish a basis for reliance on the pricing service values.  Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values.  Based on this evaluation, we determined that the results represent prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market.

Fair Value of Financial Instruments Measured on a Recurring Basis

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of June 30, 2011 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	$99,846	$	2,327	$	97,519	$	–
Available for sale securities:
U.S. Treasury		1,003		1,003		–		–
Municipal and other tax-exempt		70,210		–		26,552		43,658
U.S. agency residential mortgage-backed securities		8,893,789		–		8,893,789		–
Private issue residential mortgage-backed securities		513,222		–		513,222		–
Other debt securities		5,893		–		–		5,893
Perpetual preferred stock		22,694		–		22,694		–
Equity securities and mutual funds		60,197		41,557		18,640		–
Total available for sale securities		9,567,008		42,560		9,474,897		49,551
Mortgage trading securities		553,231		–		553,231		–
Residential mortgage loans held for sale		169,609		–		169,609		–
Mortgage servicing rights		109,192		–		–		109,192	1
Derivative contracts, net of cash margin2		229,887		–		229,887		–
Other assets – private equity funds		28,313		–		–		28,313
Liabilities:
Derivative contracts, net of cash margin2		173,917		–		173,917		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of December 31, 2010 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	55,467	$	877	$	54,590	$	–
Available for sale securities:
Municipal and other tax-exempt		72,942		–		25,849		47,093
U.S. agency residential mortgage-backed securities		8,446,908		–		8,446,908		–
Privately issued residential mortgage-backed securities		644,210		–		644,210		–
Other debt securities		6,401		–		1		6,400
Perpetual preferred stock		22,114		–		22,114		–
Equity securities and mutual funds		43,046		22,344		20,702		–
Total available for sale securities		9,235,621		22,344		9,159,784		53,493
Mortgage trading securities		428,021		–		428,021		–
Residential mortgage loans held for sale		263,413		–		263,413		–
Mortgage servicing rights		115,723		–		–		115,723	1
Derivative contracts, net of cash margin 2		270,445		–		270,445		–
Other assets – private equity funds		25,436		–		–		25,436
Liabilities:
Certificates of deposit		27,414		–		27,414		–
Derivative contracts, net of cash margin 2		215,420		–		215,420		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of June 30, 2010 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	62,159	$	4,030	$	58,129	$	–
Available for sale securities:
Municipal and other tax-exempt		66,439		–		26,613		39,826
U.S. agency residential mortgage-backed securities		8,223,719		–		8,223,719		–
Privately issued residential mortgage-backed securities		735,516		–		735,516		–
Other debt securities		13,064		–		29		13,035
Perpetual preferred stock		19,881		–		19,881		–
Equity securities and mutual funds		47,209		22,728		24,481		–
Total available for sale securities		9,105,828		22,728		9,030,239		52,861
Mortgage trading securities		534,641		–		534,641		–
Residential mortgage loans held for sale		227,574		–		227,574		–
Mortgage servicing rights		98,942		–		–		98,984	1
Derivative contracts, net of cash margin 2		334,576		16,991		317,585		–
Other assets – private equity funds		23,834		–		–		23,834
Liabilities:
Certificates of deposit		27,957		–		27,957		–
Derivative contracts, net of cash margin 2		299,851		–		299,851		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

The fair value of certain available for sale municipal and other debt securities may be based on significant unobservable inputs.  These significant unobservable inputs include limited observed trades, projected cash flows, current credit rating of the issuers and, when applicable, the insurers of the debt and observed trades of similar debt.  Discount rates are primarily based on reference to interest rate spreads on comparable securities of similar duration and credit rating as determined by the nationally recognized rating agencies adjusted for a lack of trading volume.

These securities may be either investment grade or below investment grade.  As of June 30, 2011, taxable securities rated investment grade by all nationally recognized rating agencies are generally valued to yield 1.69% to 1.75%.  Average yields on comparable short-term taxable securities are generally less than 1%.  Tax-exempt securities rated investment grade by all nationally recognized rating agencies are generally valued to yield a range of 1.05% to 1.35%, which represents a spread of 75 to 80 basis points over average yields of comparable tax-exempt securities as of June 30, 2011.  The resulting estimated fair value of securities rated investment grade ranges from 98.89% to 99.34% of par value at June 30, 2011.

After other-than-temporary impairment charges, approximately $14 million of our municipal and other tax-exempt securities are rated below investment grade by at least one of the three nationally recognized rating agencies.  The fair value of these securities was determined based on yields ranging from 6.23% to 10.30%.  These yields were determined using a spread of 600 basis points over comparable municipal securities of varying durations.  Previously a spread of 525 basis points was used.  The resulting estimated fair value of securities rated below investment grade ranges from 82.66% to 82.83% of par value as of June 30, 2011.  All of these securities are currently paying contractual interest in accordance with their respective terms.

The following represents the changes for the three months ended June 30, 2011 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, March 31, 2011	$	43,767		$	5,899		$	25,046
Purchases and capital calls		–			–			746
Redemptions and distributions		–			–			(783	)
Gain (loss) recognized in earnings:
Gain on other assets, net		–			–			3,304
Other-than-temporary impairment losses		(521	)		–			–
Other comprehensive gain (loss)		412			(6	)		–
Balance, June 30, 2011	$	43,658		$	5,893		$	28,313

The following represents the changes for the six months ended June 30, 2011 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, December 31, 2010	$	47,093		$	6,400		$	25,436
Purchases and capital calls		7,520			–			1,652
Redemptions and distributions		(9,975	)		(500	)		(2,185	)
Gain (loss) recognized in earnings:
Brokerage and trading revenue		(576	)		–			–
Gain on other assets, net		–			–			3,410
Gain on securities, net		18			–			–
Other-than-temporary impairment losses		(521	)		–			–
Other comprehensive (loss)		99			(7	)		–
Balance, June 30, 2011	$	43,658		$	5,893		$	28,313

The following represents the changes for the three months ended June 30, 2010 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance at March 31, 2010	$	38,004		$	17,150		$	22,825
Purchases, sales, issuances and settlements, net		1,775			(4,250	)		663
Gain (loss) recognized in earnings
Brokerage and trading revenue		(11	)		–			–
Gain (loss) on other assets, net		–			–			346
Gain on securities, net		–			–			–
Other comprehensive (loss)		58			135			–
Balance June 30, 2010	$	39,826		$	13,035		$	23,834

The following represents the changes for the six months ended June 30, 2010 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

				Available for Sale Securities
	Trading Securities			Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, December 31, 2009	$	9,800		$	36,598		$	17,116		$	22,917
Purchases, sales, issuances and settlements, net		(9,800	)		4,133			(4,200	)		1
Gain (loss) recognized in earnings
Brokerage and trading revenue		–			(80	)		–			–
Gain (loss) on other assets, net		–			–			–			916
Gain on securities, net		–			–			–			–
Other comprehensive (loss)		–			(825	)		119			–
Balance, June 30, 2010	$	–		$	39,826		$	13,035		$	23,834

There were no transfers from quoted prices in active markets for identical instruments to significant other observable inputs during the six months ended June 30, 2011 or 2010, respectively.

Fair Value of Financial Instruments Measured on a Non-Recurring Basis

Assets measured at fair value on a non-recurring basis include pension plan assets, which are based on quoted prices in active markets for identical instruments, collateral for certain impaired loans and real property and other assets acquired to satisfy loans, which are based primarily on comparisons to completed sales of similar assets.  In addition, goodwill impairment is evaluated based on the fair value of the Company's reporting units.

The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period.  The carrying value represents only those assets adjusted to fair value during the three months ended June 30, 2011:

Carrying Value at June 30, 2011

Fair Value Adjustments for the Three Months Ended June 30, 2011 Recognized In:

Quoted Prices in Active Markets for Identical Instruments

Significant Other Observable Inputs

Significant Unobservable Inputs

Gross charge-offs against allowance for loan losses

Gross charge-offs against allowance for recourse loans

Net losses and expenses of repossessed assets, net

Impaired loans

$

–

$

17,949

$

–

$

4,071

$

146

$

–

Real estate and other repossessed assets

–

50,885

–

–

–

4,127

 The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period.  The carrying value represents only those assets adjusted to fair value during the three months ended June 30, 2010:

	Carrying Value at June 30, 2010						Fair Value Adjustments for the Three Months Ended June 30, 2010 Recognized In:
	Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs		Gross charge-offs against allowance for loan losses		Net losses and expenses of repossessed assets, net
Impaired loans	$	–	$	55,893	$	–	$	28,243	$	–
Real estate and other repossessed assets		–		28,778		6,736		–		11,623

The fair value of collateral-dependent impaired loans and real estate and other repossessed assets and the related fair value adjustments are generally based on unadjusted third-party appraisals.  Our appraisal review policies require appraised values to be supported by observed inputs derived principally from or corroborated by observable market data.  Appraisals that are not based on observable inputs or that require significant adjustments or fair value measurements that are not based on third-party appraisals are considered to be based on significant unobservable inputs.

Fair Value Election

Certain certificates of deposit were designated as carried at fair value.  This determination is made based on the Company's intent to convert these certificates from fixed interest rates to variable interest rates based on LIBOR with interest rate swaps that have not been designated as hedging instruments.  The fair value election for these liabilities better represents the economic effect of these instruments on the Company.  At June 30, 2011, there were no certificates of deposit that were designated as carried at fair value.  At June 30, 2010, the fair value and contractual principal amount of these certificates was $28 million and $27 million, respectively.  Change in the fair value of these certificate of deposit resulted in an unrealized gain during the three and six months ended June 30, 2010 of $201 thousand and $444 thousand, respectively, which is included in Gain (Loss) on Derivatives, net in the Consolidated Statement of Earnings.

As more fully disclosed in Note 2 and Note 5 to the Consolidated Financial Statements, the Company has elected to carry all mortgage-backed securities which have been designated as economic hedges against changes in the fair value of mortgage servicing rights and all residential mortgage loans originated for sale at fair value.  Changes in the fair value of these financial instruments are recognized in earnings.

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Securities

6 Months Ended

Jun. 30, 2011

Marketable Securities [Abstract]

Securities

(2) Securities

Trading Securities

The fair value and net unrealized gain (loss) included in trading securities is as follows (in thousands):

	June 30, 2011					December 31, 2010					June 30, 2010
	Fair Value		Net Unrealized Gain (Loss)			Fair Value		Net Unrealized Gain (Loss)			Fair Value		Net Unrealized Gain (Loss)
Obligations of the U.S. Government	$	11,825	$	(37	)	$	3,873	$	(17	)	$	12,786	$	(8	)
U.S. agency residential mortgage-backed securities		22,739		9			27,271		292			26,476		151
Municipal and other tax-exempt securities		62,285		(249	)		23,396		(214	)		18,866		(15	)
Other trading securities		2,997		(13	)		927		(2	)		4,031		3
Total	$	99,846	$	(290	)	$	55,467	$	59		$	62,159	$	131

Investment Securities

The amortized cost and fair values of investment securities are as follows (in thousands):

	June 30,
	2011									2010
					Not Recognized in OCI1									Not Recognized in OCI1
	Amortized		Fair		Gross Unrealized					Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			Cost		Value		Gain		Loss
Municipal and other tax-exempt	$	160,870	$	165,449	$	4,583	$	(4	)	$	221,702	$	227,301	$	5,640	$	(41	)
Other debt securities		188,713		203,798		15,085		–			131,575		136,585		5,245		(235	)
Total	$	349,583	$	369,247	$	19,668	$	(4	)	$	353,277	$	363,886	$	10,885	$	(276	)

	December 31, 2010
					Not Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss
Municipal and other tax-exempt	$	184,898	$	188,577	$	3,912	$	(233	)
Other debt securities		154,655		157,528		4,505		(1,632	)
Total	$	339,553	$	346,105	$	8,417	$	(1,865	)

1 Other comprehensive income

The amortized cost and fair values of investment securities at June 30, 2011, by contractual maturity, are as shown in the following table (dollars in thousands):

											Weighted
	Less than		One to		Six to		Over				Average
	One Year		Five Years		Ten Years		Ten Years		Total		Maturity²
Municipal and other tax-exempt:
Amortized cost	$	49,599	$	81,448	$	24,506	$	5,317	$	160,870		2.82
Fair value		49,937		84,499		25,547		5,466		165,449
Nominal yield¹		4.64		4.66		5.58		6.22		4.84
Other debt securities:
Amortized cost		7,729		29,513		34,784		116,687		188,713		10.50
Fair value		7,764		30,203		36,286		129,545		203,798
Nominal yield		4.52		5.44		5.58		6.20		5.90
Total fixed maturity securities:
Amortized cost	$	57,328	$	110,961	$	59,290	$	122,004	$	349,583		6.97
Fair value		57,701		114,702		61,833		135,011		369,247
Nominal yield		4.62		4.87		5.58		6.20		5.41
Total investment securities:
Amortized cost									$	349,583
Fair value										369,247
Nominal yield										5.41

¹ Calculated on a taxable equivalent basis using a 39% effective tax rate.

² Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

Available for Sale Securities

The amortized cost and fair value of available for sale securities are as follows (in thousands):

	June 30, 2011
					Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
U.S. Treasury	$	1,001	$	1,003	$	2	$	–		$	–
Municipal and other tax-exempt		68,502		70,210		2,375		(146	)		(521	)
Residential mortgage-backed securities:
U. S. agencies:
FNMA		5,359,939		5,524,849		166,016		(1,106	)		–
FHLMC		2,447,830		2,544,684		97,575		(721	)		–
GNMA		704,168		742,411		38,243		–			–
Other		76,971		81,845		4,874		–			–
Total U.S. agencies		8,588,908		8,893,789		306,708		(1,827	)		–
Private issue:
Alt-A loans		195,932		166,757		46		(104	)		(29,117	)
Jumbo-A loans		385,371		346,465		513		(11,949	)		(27,470	)
Total private issue		581,303		513,222		559		(12,053	)		(56,587	)
Total residential mortgage-backed securities		9,170,211		9,407,011		307,267		(13,880	)		(56,587	)
Other debt securities		5,900		5,893		–		(7	)		–
Perpetual preferred stock		19,511		22,694		3,183		–			–
Equity securities and mutual funds		38,683		60,197		21,516		(2	)		–
Total	$	9,303,808	$	9,567,008	$	334,343	$	(14,035	)	$	(57,108	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

	December 31, 2010
					Recognized in OCI¹
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
Municipal and other tax-exempt	$	72,190	$	72,942	$	1,172	$	(315	)	$	(105	)
Residential mortgage-backed securities:
U. S. agencies:
FNMA		4,791,438		4,925,693		147,024		(12,769	)		–
FHLMC		2,545,208		2,620,066		83,341		(8,483	)		–
GNMA		765,046		801,993		37,193		(246	)		–
Other		92,013		99,157		7,144		–			–
Total U.S. agencies		8,193,705		8,446,909		274,702		(21,498	)		–
Private issue:
Alt-A loans		220,332		186,674		–		(353	)		(33,305	)
Jumbo-A loans		494,098		457,535		923		(14,067	)		(23,419	)
Total private issue		714,430		644,209		923		(14,420	)		(56,724	)
Total residential mortgage-backed securities		8,908,135		9,091,118		275,625		(35,918	)		(56,724	)
Other debt securities		6,401		6,401		–		–			–
Perpetual preferred stock		19,511		22,114		2,603		–			–
Equity securities and mutual funds		29,181		43,046		14,192		(327	)		–
Total	$	9,035,418	$	9,235,621	$	293,592	$	(36,560	)	$	(56,829	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

	June 30, 2010
					Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
Municipal and other tax-exempt
Residential mortgage-backed securities:	$	66,053	$	66,439	$	1,460	$	(1,074	)	$	–
U. S. agencies:
FNMA		4,148,758		4,319,324		174,183		(3,617	)		–
FHLMC		2,680,437		2,776,620		96,183		–			–
GNMA		972,348		1,011,522		40,707		(1,533	)		–
Other		107,564		116,253		8,689		–			–
Total U.S. agencies		7,909,107		8,223,719		319,762		(5,150	)		–
Private issue:
Alt-A loans		230,058		176,489		–		(1,350	)		(52,219	)
Jumbo-A loans		619,415		559,027		1,536		(27,665	)		(34,259	)
Total private issue		849,473		735,516		1,536		(29,015	)		(86,478	)
Total residential mortgage-backed securities		8,758,580		8,959,235		321,298		(34,165	)		(86,478	)
Other debt securities		12,971		13,064		120		(27	)		–
Perpetual preferred stock		19,224		19,881		790		(133	)		–
Equity securities and mutual funds		33,561		47,209		14,170		(522	)		–
Total	$	8,890,389	$	9,105,828	$	337,838	$	(35,921	)	$	(86,478	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

The amortized cost and fair values of available for sale securities at June 30, 2011, by contractual maturity, are as shown in the following table (dollars in thousands):

											Weighted
	Less than		One to		Six to		Over				Average
	One Year		Five Years		Ten Years		Ten Years6		Total		Maturity5
U.S. Treasuries:
Amortized cost	$	1,001	$	–	$	–	$	–	$	1,001		1.84
Fair value		1,003		–		–		–		1,003
Nominal yield¹		0.55		–		–		–		0.55
Municipal and other tax-exempt:
Amortized cost		744		6,941		12,575		48,242		68,502		19.75
Fair value		752		8,077		13,678		47,703		70,210
Nominal yield¹		3.30		4.12		4.08		0.95		1.87
Other debt securities:
Amortized cost		–		–		–		5,900		5,900		32.46
Fair value		–		–		–		5,893		5,893
Nominal yield¹		–		–		–		1.71		1.71
Total fixed maturity securities:
Amortized cost	$	1,745	$	6,941	$	12,575	$	54,142	$	75,403		20.51
Fair value		1,755		8,077		13,678		53,596		77,106
Nominal yield		3.30		3.67		4.08		1.03		1.84
Mortgage-backed securities:
Amortized cost										9,170,211		²
Fair value										9,407,011
Nominal yield4										3.79
Equity securities and mutual funds:
Amortized cost										58,194		³
Fair value										82,891
Nominal yield										0.69
Total available-for-sale securities:
Amortized cost									$	9,303,808
Fair value										9,567,008
Nominal yield										3.76

¹ Calculated on a taxable equivalent basis using a 39% effective tax rate.

² The average expected lives of mortgage-backed securities were 2.92 years based upon current prepayment assumptions.

³ Primarily restricted common stock of U.S. government agencies and preferred stock of corporate issuers with no stated maturity.

4 The nominal yield on mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments.

5 Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

6 Nominal yield on municipal and other tax-exempt securities and other debt securities with contractual maturity dates over ten years are based on variable rates which generally are reset within 35 days.

Sales of available for sale securities resulted in gains and losses as follows (in thousands):

	Three Months Ended June 30,				Six Months Ended June 30,
	2011		2010		2011		2010
Proceeds	$	771,536	$	594,990	$	1,411,220	$	915,138
Gross realized gains		6,205		8,469		17,172		13,826
Gross realized losses		3,654		–		7,809		–
Related federal and state income tax expense		904		2,778		3,454		4,576

Gains and losses on sales of available for sale securities are recognized in the Consolidated Statement of Earnings on trade date and presented as realized in the previous table on settlement date.

In addition to securities that have been reclassified as pledged to creditors, securities with an amortized cost of $3.6 billion at June 30, 2011, $5.3 billion at December 31, 2010 and $4.8 billion at June 30, 2010 have been pledged as collateral for repurchase agreements, public and trust funds on deposit and for other purposes, as required by law.  The secured parties do not have the right to sell or re-pledge these securities.

Temporarily Impaired Securities as of June 30, 2011

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax exempt		2	$	619	$	4	$	–	$	–	$	619	$	4
Available for sale:
Municipal and other tax-exempt1		51		24,065		301		19,593		366		43,658		667
Residential mortgage-backed securities:
U. S. agencies:
FNMA		7		230,949		1,106		–		–		230,949		1,106
FHLMC		2		98,169		721		–		–		98,169		721
Total U.S. agencies		9		329,118		1,827		–		–		329,118		1,827
Private issue1:
Alt-A loans		20		–		–		156,796		29,221		156,796		29,221
Jumbo-A loans		39		–		–		301,397		39,419		301,397		39,419
Total private issue		59		–		–		458,193		68,640		458,193		68,640
Total residential mortgage-backed securities		68		329,118		1,827		458,193		68,640		787,311		70,467
Other debt securities		2		–		–		993		7		993		7
Equity securities and mutual funds		1		213		2		–		–		213		2
Total available for sale		122		353,396		2,130		478,779		69,013		832,175		71,143
Total		124	$	354,015	$	2,134	$	478,779	$	69,013	$	832,794	$	71,147

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Municipal and other tax-exempt	21	$	6,948	$	244	$	7,115	$	277	$	14,063	$	521
Alt-A loans	19		–		–		153,632		29,117		153,632		29,117
Jumbo-A loans	21		–		–		138,205		27,470		138,205		27,470

Temporarily Impaired Securities as of December 31, 2010

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax- exempt		37	$	12,482	$	211	$	786	$	22	$	13,268	$	233
Other		15		80,698		1,632		–		–		80,698		1,632
Total investment		52		93,180		1,843		786		22		93,966		1,865
Available for sale:
Municipal and other tax-exempt1		42		22,271		171		25,235		249		47,506		420
Residential mortgage-backed securities:
U. S. agencies:
FNMA		26		1,099,710		12,769		–		–		1,099,710		12,769
FHLMC		12		491,776		8,483		–		–		491,776		8,483
GNMA		3		5,681		246		–		–		5,681		246
Total U.S. agencies		41		1,597,167		21,498		–		–		1,597,167		21,498
Private issue1:
Alt-A loans		22		–		–		186,675		33,658		186,675		33,658
Jumbo-A loans		53		–		–		417,917		37,486		417,917		37,486
Total private issue		75		–		–		604,592		71,144		604,592		71,144
Total residential mortgage-backed securities		116		1,597,167		21,498		604,592		71,144		2,201,759		92,642
Equity securities and mutual funds		2		–		–		2,878		327		2,878		327
Total available for sale		160		1,619,438		21,669		632,705		71,720		2,252,143		93,389
Total		212	$	1,712,618	$	23,512	$	633,491	$	71,742	$	2,346,109	$	95,254

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Municipal and other tax-exempt	11	$	10,713	$	105	$	–	$	–	$	10,713	$	105
Alt-A loans	19		–		–		172,153		33,305		172,153		33,305
Jumbo-A loans	25		–		–		166,401		23,419		166,401		23,419

Temporarily Impaired Securities as of June 30, 2010

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax exempt		13	$	5,606	$	31	$	1,437	$	10	$	7,043	$	41
Other debt securities		1		14,215		235		–		–		14,215		235
Available for sale:
Municipal and other tax-exempt		23		32,325		1,074		–		–		32,325		1,074
Residential mortgage-backed securities:
U. S. agencies:
FNMA		6		166,825		3,617		–		–		166,825		3,617
GNMA		2		45,693		1,533		–		–		45,693		1,533
Total U.S. agencies		8		212,518		5,150		–		–		212,518		5,150
Private issue1:
Alt-A loans		20		–		–		176,489		53,569		176,489		53,569
Jumbo-A loans		55		–		–		480,782		61,924		480,782		61,924
Total private issue		75		–		–		657,271		115,493		657,271		115,493
Total residential mortgage-backed securities		83		212,518		5,150		657,271		115,493		869,789		120,643
Other debt securities		7		4,965		27		29		–		4,994		27
Equity securities and mutual funds		3		2,681		523		3,606		132		6,287		655
Total available for sale		116		252,489		6,774		660,906		115,625		913,395		122,399
Total		130	$	272,310	$	7,040	$	662,343	$	115,635	$	934,653	$	122,675

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Alt-A loans	16	$	–	$	–	$	153,012	$	52,219	$	153,012	$	52,219
Jumbo-A loans	25		–		–		160,872		34,259		160,872		34,259

On a quarterly basis, the Company performs separate evaluations of impaired debt and equity investment and available for sale securities to determine if the unrealized losses are temporary.

For debt securities, management determines whether it intends to sell or if it is more-likely-than-not that it will be required to sell impaired securities.  This determination considers current and forecasted liquidity requirements, regulatory and capital requirements and securities portfolio management.  Based on this evaluation as of June 30, 2011, we do not intend to sell any impaired available for sale securities before fair value recovers to our current amortized cost and it is more-likely-than-not that we will not be required to sell impaired securities before fair value recovers, which may be maturity.

For all impaired debt securities for which there was no intent or expected requirement to sell, the evaluation considers all available evidence to assess whether it is more likely than not that all amounts due would not be collected according to the security's contractual terms.

Impairment of debt securities rated investment grade by all nationally-recognized rating agencies are considered temporary unless specific contrary information is identified.  None of the debt securities rated investment grade were considered to be other-than-temporarily impaired at June 30, 2011.

At June 30, 2011, the composition of the Company's investment and available for sale securities portfolios by the lowest current credit rating assigned by any of the three nationally-recognized rating agencies is as follows (in thousands):

	U.S. Govt / GSE 1				AAA - AA				A - BBB				Below Investment Grade				Not Rated				Total
	Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair
	Cost		Value		Cost		Value		Cost		Value		Cost		Value		Cost		Value		Cost		Value
Investment:
Municipal and other tax-exempt	$	–	$	–	$	58,023	$	59,743	$	29,898	$	30,679	$	–	$	–	$	72,949	$	75,027	$	160,870	$	165,449
Other debt securities		–		–		180,334		195,332		1,350		1,350		–		–		7,029		7,116		188,713		203,798
Total	$	–	$	–	$	238,357	$	255,075	$	31,248	$	32,029	$	–	$	–	$	79,978	$	82,143	$	349,583	$	369,247
Available for Sale:
U.S. Treasury	$	1,001	$	1,003	$	–	$	–	$	–	$	–	$	–	$	–	$	–	$	–	$	1,001	$	1,003
Municipal and other tax-exempt		–		–		39,996		42,024		11,941		11,986		14,584		14,063		1,981		2,137		68,502		70,210
Residential mortgage-backed securities:
U. S. agencies:
FNMA		5,359,939		5,524,849		–		–		–		–		–		–		–		–		5,359,939		5,524,849
FHLMC		2,447,830		2,544,684		–		–		–		–		–		–		–		–		2,447,830		2,544,684
GNMA		704,168		742,411		–		–		–		–		–		–		–		–		704,168		742,411
Other		76,971		81,845		–		–		–		–		–		–		–		–		76,971		81,845
Total U.S. agencies		8,588,908		8,893,789		–		–		–		–		–		–		–		–		8,588,908		8,893,789
Private issue:
Alt-A loans		–		–		3,269		3,164		9,914		9,961		182,749		153,632		–		–		195,932		166,757
Jumbo-A loans		–		–		32,106		31,379		66,618		61,397		286,647		253,689		–		–		385,371		346,465
Total private issue		–		–		35,375		34,543		76,532		71,358		469,396		407,321		–		–		581,303		513,222
Total residential  mortgage-backed securities		8,588,908		8,893,789		35,375		34,543		76,532		71,358		469,396		407,321		–		–		9,170,211		9,407,011
Other debt securities		–		–		5,900		5,893		–		–		–		–		–		–		5,900		5,893
Perpetual preferred stock		–		–		–		–		19,511		22,694		–		–		–		–		19,511		22,694
Equity securities and mutual funds		–		–		–		–		–		–		–		–		38,683		60,197		38,683		60,197
Total	$	8,589,909	$	8,894,792	$	81,271	$	82,460	$	107,984	$	106,038	$	483,980	$	421,384	$	40,664	$	62,334	$	9,303,808	$	9,567,008

1 U.S. government and government sponsored enterprises are not rated by the nationally-recognized rating agencies as these securities are guaranteed by agencies of the U.S. government or government-sponsored enterprises.

At June 30, 2011, approximately $469 million of the portfolio of privately issued residential mortgage-backed securities (based on amortized cost after impairment charges) was rated below investment grade by at least one of the nationally-recognized rating agencies.  The aggregate unrealized loss on these securities totaled $62 million.  Ratings by the nationally recognized rating agencies are subjective in nature and accordingly ratings can vary significantly amongst the agencies.  Limitations generally expressed by the rating agencies include statements that ratings do not predict the specific percentage default likelihood over any given period of time and that ratings do not opine on expected loss severity of an obligation should the issuer default.  As such, the impairment of securities rated below investment grade by at least one of the nationally-recognized rating agencies was evaluated to determine if we expect not to recover the entire amortized cost basis of the security.  This evaluation was based on projections of estimated cash flows based on individual loans underlying each security using current and anticipated increases in unemployment and default rates, decreases in housing prices and estimated liquidation costs at foreclosure.  The primary assumptions used in this evaluation were:

·   Unemployment rates – increasing to 9.5% over the next 12 months, dropping to 8% over the following 21 months, and holding at 8% thereafter.

·   Housing price depreciation – starting with current depreciated housing prices based on information derived from the Federal Housing Finance Agency (“FHFA”) data, decreasing by an additional 4% over the next twelve months and holding at that level thereafter.

·   Estimated Liquidation Costs – held constant at 25% to 30% for Jumbo-A loans and 35% to 38% for Alt-A loans of the then-current depreciated housing price at estimated foreclosure date.

·   Discount rates – estimated cash flows were discounted at rates that range from 2.90% to 6.25% based on our current expected yields.

We also consider the current loan-to-value ratio and remaining credit enhancement as part of the assessment of the cash flows available to recover the amortized cost of the debt securities.  Each factor is considered in the evaluation.

The Company calculates the current loan-to-value ratio for each mortgage-backed security using loan-level data.  Current loan-to-value ratio is the current outstanding loan amount divided by an estimate of the current home value.  The current home value is derived from FHFA data.  FHFA provides historical information on home price depreciation at both the Metropolitan Statistical Area and state level.  This information is matched to each loan to estimate the home price depreciation.  Data is accumulated from the loan level to determine the current loan-to-value ratio for the security as a whole.

A distribution of the amortized cost (after recognition of the other-than-temporary impairment) and fair value by current loan to value ratio for our below investment grade private label residential mortgage-backed securities is as follows (in thousands):

							Credit Losses Recognized
							Three months ended June 30, 2011				Life-to-date
Current LTV Ratio	Number of Securities		Amortized Cost		Fair Value		Number of Securities		Amount		Number of Securities		Amount
< 70 %		5	$	28,550	$	26,598		–	$	–		–	$	–
70 < 75		–		–		–		–		–		–		–
75 < 80		3		38,159		35,453		–		–		–		–
80 < 85		2		29,636		26,927		1		255		1		3,603
>= 85		50		373,051		318,343		33		4,048		43		56,904
Total		60	$	469,396	$	407,321		34	$	4,303		44	$	60,507

Remaining credit enhancement is the amount of credit enhancement available to absorb current projected losses within the pool of loans that support the security.  The Company acquires the benefit of credit enhancement by investing in super-senior tranches for many of our residential mortgage-backed securities.  Subordinated tranches held by other investors are specifically designed to absorb losses before the super-senior tranches which effectively doubled the typical credit support for these types of bonds.  Current projected losses consider depreciation of home prices based on FHFA data, estimated costs and additional losses to liquidate collateral and delinquency status of the individual loans underlying the security.

Based upon projected declines in expected cash flows from certain private-label residential mortgage-backed securities for which the Company had previously recognized other-than-temporary impairment charges in earnings and other comprehensive income, the Company recognized $4.3 million of additional credit loss impairments in earnings during the second quarter of 2011.  The Company also recognized a $521 thousand other-than-temporary impairment on certain below investment grade municipal securities based on an assessment of the issuer's on-going financial difficulties.  See additional discussion regarding the development of the fair value of the bonds in Note 12.

The following is a tabular roll forward of the amount of credit-related OTTI recognized on available for sale debt securities in earnings (in thousands):

	Three Months Ended June 30,				Six Months Ended June 30,
	2011		2010		2011		2010
Balance of credit-related OTTI recognized on available for sale debt, beginning of period	$	57,223	$	29,367	$	52,624	$	25,142
Additions for credit-related OTTI not previously recognized		37		791		37		1,789
Additions for increases in credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost		4,787		1,855		9,386		5,082
Balance of credit-related OTTI recognized on available for sale debt securities, end of period	$	62,047	$	32,013	$	62,047	$	32,013

Mortgage Trading Securities

Mortgage trading securities are residential mortgage-backed securities issued by U.S. government agencies that have been designated as an economic hedge of the mortgage servicing rights and are separately identified on the balance sheet.  The Company has elected to carry these securities at fair value with changes in fair value being recognized in earnings as they occur.  Mortgage trading securities were carried at their fair value of $553 million at June 30, 2011 with a net unrealized gain of $5.7 million.  Mortgage trading securities were carried at their fair value of $428 million at December 31, 2010, with a net unrealized loss of $5.6 million and fair value of $535 million at June 30, 2010 with a net unrealized gain of $14 million.  The Company recognized a net gain of $9.9 million and $6.4 million on mortgage trading securities for the three and six months ended June 30, 2011, respectively.  The Company recognized net gains of $14.6 million and $15.1 million on mortgage trading securities for the three and six months ended June 30, 2010, respectively.

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Loans Part 1 (Details) (USD $)	6 Months Ended																				6 Months Ended
	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010	Jun. 30, 2011 Commercial Portfolio Segment [Member]	Dec. 31, 2010 Commercial Portfolio Segment [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Services Financing Receivable [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Energy Financing Receivable [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Wholesale Retail Financing Receivables [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Healthcare Financing Receivable [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Manufacturing Financing Receivable [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Other Commercial and Industrial [Member]	Jun. 30, 2011 Commercial Portfolio Segment [Member] Commercial Integrated Food Services Financing Receivables [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member]	Dec. 31, 2010 Commercial Real Estate Portfolio Segment [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Office Financing Receivables [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Retail Financing Receivables [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Other Real Estate Loans Financing Receivables [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Construction Financing Receivable [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Multifamily Financing Receivables [Member]	Jun. 30, 2011 Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Industrial [Member]	Jun. 30, 2010 Residential Portfolio Segment [Member]	Jun. 30, 2011 Residential Portfolio Segment [Member]	Dec. 31, 2010 Residential Portfolio Segment [Member]	Jun. 30, 2011 Consumer Portfolio Segment [Member]	Dec. 31, 2010 Consumer Portfolio Segment [Member]
Loan receivables disclosure [Abstract]
Loans receivables with fixed rate of interest	$ 4,915,532,000	$ 4,934,153,000		$ 2,830,388,000	$ 2,883,905,000								$ 872,696,000	$ 829,836,000								$ 920,063,000	$ 851,048,000	$ 292,385,000	$ 369,364,000
Loans receivables with variable rate of interest	5,621,842,000	5,478,069,000		3,294,843,000	3,011,636,000								1,200,656,000	1,297,148,000								916,241,000	939,774,000	210,102,000	229,511,000
Loan receivable non-accrual	200,170,000	230,814,000		53,365,000	38,455,000								110,363,000	150,366,000								31,693,000	37,426,000	4,749,000	4,567,000
Total	10,737,544,000	10,643,036,000	10,882,717,000	6,178,596,000	5,933,996,000								2,183,715,000	2,277,350,000								1,867,997,000	1,828,248,000	507,236,000	603,442,000
Accruing loans past due (90 days)	2,341,000	7,966,000
Loans receivable, other information [Abstract]
Amount of total loan portfolio to businesses and individuals in Oklahoma	4,800,000,000
Percentage of total loan portfolio to businesses and individuals in Oklahoma (in hundredths)	0.45
Amount of total loan portfolio to businesses and individuals in Texas	3,100,000,000
Percentage of total loan portfolio to businesses and individuals in Texas (in hundredths)	0.29
Amount of total loan portfolio provided to this classification						1,700,000,000	1,700,000,000	1,100,000,000	869,000,000	367,000,000	282,000,000	196,000,000			482,000,000	439,000,000	398,000,000	367,000,000	336,000,000	162,000,000
Percentage of total loan portfolio provided to this classification (in hundredths)						0.16	0.16
Amount Of loans with individual balances less than $10 million						1,000,000,000
Maximum loan amount for certain individual loans in category						10,000,000
Amount of loan portfolio to businesses in Oklahoma	2,600,000,000
Percentage of loan portfolio to businesses in Oklahoma (in hundredths)	0.42
Amount of loan portfolio to businesses in Texas	2,000,000,000
Percentage of loan portfolio to businesses in Texas (in hundredths)													0.32
Percentage of loan portfolio secured by property in Oklahoma (in hundredths)													0.28
Percentage of loan portfolio secured by property in Texas (in hundredths)	0.33
Minimum FICO required for jumbo loan approval																						720
Maximum debt-to-income ratio on jumbo loans (in hundredths)																						0.38
Minimum loan-to-value ratio on jumbo loans (in hundredths)																						0.6
Maximum loan-to-value ratio on jumbo loans (in hundredths)																						1
Minimum period for fixed rate on variable rate jumbo loans (in years)																						3 Y
Maximum period for fixed rate on variable rate jumbo loans (in years)																						10 Y
Amount of loan portfolio with modified terms																						22,000,000	22,000,000
Amount of loan portfolio with modified terms and guaranteed by US Government																						19,000,000	19,000,000
Amount of loans with modified terms that were 90 or more past due																						10,000,000
Number of days for past due loans (in days)	90 D																				90
Amount of loans guaranteed by US government and previously sold into GNMA mortgage pools																						109,000,000	48,000,000
Outstanding commitments to extend credit	5,500,000,000
Outstanding standby letters of credit	510,000,000
Outstanding commercial letters of credit	$ 7,000,000

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Shareholders' Equity

6 Months Ended

Jun. 30, 2011

Shareholders' Equity [Abstract]

Shareholders' Equity

(8) Shareholders' Equity

On July 26, 2011, the Board of Directors of BOK Financial approved a $0.275 per share quarterly common stock dividend.  The quarterly dividend will be payable on or about August 26, 2011 to shareholders of record as of August 12, 2011.

Dividends declared during the three and six month periods ended June 30, 2011 were $0.275 per share and $0.525 per share, respectively.    Dividends declared during the three and six months ended June 30, 2010 were $0.25 per share and $0.49 per share, respectively.

Accumulated Other Comprehensive Income (Loss)

Accumulated other comprehensive income (loss) (“AOCI”) includes unrealized gains and losses on available for sale securities and accumulated gains or losses on effective cash flow hedges, including hedges of anticipated transactions.  Gains and losses in AOCI are net of deferred income taxes.  Accumulated losses on the rate lock hedge of the 2005 subordinated debenture issuance will be reclassified into income over the ten-year life of the debt.  Unrealized losses on employee benefit plans will be reclassified into income as pension plan costs are recognized over the remaining service period of plan participants.  A rollforward of the components of accumulated other comprehensive income (loss) is includes as follows (in thousands):

	Unrealized			Non-Credit			Accumulated			Unrealized
	Gain (Loss)			Related			(Loss) on			(Loss)
	On Available			Unrealized			Effective			On
	For Sale			Losses on			Cash Flow			Employee
	Securities			OTTI Securities1			Hedges			Benefit Plans			Total
Balance at December 31, 2009	$	59,772		$	(53,000	)	$	(1,039	)	$	(16,473	)	$	(10,740	)
Net change in unrealized gains (losses) on securities		195,882			12,006			–			–			207,888
Unrealized loss on newly identified other-than-temporary securities		20,667			(20,667	)		–			–			–
Credit losses recognized in earnings		–			6,871			–			–			6,871
Tax benefit (expense) on unrealized gains (losses)		(83,845	)		945			–			(145	)		(83,045	)
Reclassification adjustment for (gains) losses realized and included in net income		(12,545	)		–			136			–			(12,409	)
Reclassification adjustment for tax expense (benefit)on realized gains (losses)		4,886			–			(53	)		–			4,833
Unrealized gains on employee benefit plans		–			–			–			373			373
Balance at June 30, 2010	$	184,817		$	(53,845	)	$	(956	)	$	(16,245	)	$	113,771
Balance at December 31, 2010	$	157,770		$	(35,276	)	$	(878	)	$	(13,777	)	$	107,839
Net change in unrealized gains (losses) on securities		73,466			(9,448	)		–			–			64,018
Credit losses recognized in earnings		–			9,349			–			–			9,349
Transfer from Non-Credit Related Unrealized Losses on OTTI Securities to unrealized gain on available for sale securities		180			(180	)		–			–			–
Tax benefit (expense) on unrealized gains (losses)		(29,372	)		662			–			–			(28,710	)
Reclassification adjustment for (gains) losses realized and included in net income		(10,370	)		–			156			–			(10,214	)
Reclassification adjustment for tax expense (benefit) on realized gains (losses)		4,034			–			(61	)		–			3,973
Unrealized gains on employee benefit plans		–			–			–			–			–
Balance at June 30, 2011	$	195,708		$	(34,893	)	$	(783	)	$	(13,777	)	$	146,255

  1Represents changes in unrealized losses recognized in AOCI on available for sale securities for which an other-than-temporary impairment (“OTTI”) was recorded in earnings.

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Subsequent Events

6 Months Ended

Jun. 30, 2011

Subsequent Events [Abstract]

Subsequent Events

(13) Subsequent Events

The Company evaluated events from the date of the consolidated financial statements on June 30, 2011 through the issuance of those consolidated financial statements included in this Quarterly Report on Form 10-Q.  No events were identified requiring recognition in and/or disclosure in the consolidated financial statements.

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Earnings Per Share

6 Months Ended

Jun. 30, 2011

Earnings Per Share [Abstract]

Earnings Per Share

(9)  Earnings Per Share

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Numerator:
Net income	$	69,007		$	63,522		$	133,781		$	123,655
Earnings allocated to participating securities		(559	)		(434	)		(1,020	)		(767	)
Numerator for basic earnings per share – income available to common shareholders		68,448			63,088			132,761			122,888
Effect of reallocating undistributed earnings of participating securities		2			1			3			2
Numerator for diluted earnings per share – income available to common shareholders	$	68,450		$	63,089		$	132,764		$	122,890
Denominator:
Weighted average shares outstanding		68,451,428			68,069,864			68,419,699			68,018,225
Less:  Participating securities included in weighted average shares outstanding		(552,945	)		(464,057	)		(519,420	)		(418,876	)
Denominator for basic earnings per common share		67,898,483			67,605,807			67,900,279			67,599,349
Dilutive effect of employee stock compensation plans1		271,002			274,780			272,903			236,257
Denominator for diluted earnings per common share		68,169,485			67,880,587			68,173,182			67,835,606
Basic earnings per share	$	1.01		$	0.93		$	1.96		$	1.82
Diluted earnings per share	$	1.00		$	0.93		$	1.95		$	1.81
1Excludes employee stock options with exercise prices greater than current market price.		785,686			601,361			771,343			1,018,503

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Derivatives, Fair Value of Derivatives Contracts (Details) (USD $)	Jun. 30, 2011		Dec. 31, 2010		Jun. 30, 2010
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	$ 10,605,839,000	[1]	$ 14,091,727,000	[1]	$ 12,361,822,000	[1]
Derivative Liability, Notional Amount, Gross Basis	10,584,538,000	[1]	14,038,235,000	[1]	12,415,819,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	378,687,000		498,443,000		603,356,000
Derivative Asset, Fair Value, Net Asset	229,887,000		270,445,000		334,576,000
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	374,177,000		497,388,000		599,409,000
Derivative Liability, Fair Value, Net Liability	173,917,000		215,420,000		299,851,000
Increase in cash margin obligation for derivative holdings with a decrease in credit rating from A1 to below investment grade	70,000,000
Interest Rate Contract [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	8,258,239,000	[1]	11,664,409,000	[1]	9,128,247,000	[1]
Derivative Liability, Notional Amount, Gross Basis	8,096,551,000	[1]	11,524,077,000	[1]	8,975,646,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	114,945,000		235,961,000		199,965,000
Derivative Asset, Fair Value, Net Asset	91,439,000	[2]	141,279,000	[2]	153,044,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	113,534,000		233,421,000		198,807,000
Derivative Liability, Fair Value, Net Liability	90,028,000	[2]	138,739,000	[2]	151,858,000	[2]
Energy Contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	1,917,521,000	[1]	1,914,519,000	[1]	2,667,481,000	[1]
Derivative Liability, Notional Amount, Gross Basis	2,094,878,000	[1]	2,103,923,000	[1]	3,007,643,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	158,922,000		188,655,000		327,577,000
Derivative Asset, Fair Value, Net Asset	51,820,000	[2]	76,746,000	[2]	119,537,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	157,998,000		191,075,000		332,804,000
Derivative Liability, Fair Value, Net Liability	50,896,000	[2]	79,166,000	[2]	124,764,000	[2]
Agriculture Contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	125,644,000	[1]	183,250,000	[1]	236,113,000	[1]
Derivative Liability, Notional Amount, Gross Basis	132,573,000	[1]	186,709,000	[1]	242,192,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	6,025,000		10,616,000		6,882,000
Derivative Asset, Fair Value, Net Asset	1,847,000	[2]	4,226,000	[2]	936,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	5,961,000		10,534,000		6,607,000
Derivative Liability, Fair Value, Net Liability	1,783,000	[2]	4,144,000	[2]	657,000	[2]
Foreign Exchange Contract [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	78,471,000	[1]	45,014,000	[1]	54,241,000	[1]
Derivative Liability, Notional Amount, Gross Basis	78,572,000	[1]	45,014,000	[1]	54,241,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	78,471,000		45,014,000		54,241,000
Derivative Asset, Fair Value, Net Asset	78,471,000	[2]	45,014,000	[2]	54,241,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	78,572,000		45,014,000		54,241,000
Derivative Liability, Fair Value, Net Liability	78,572,000	[2]	45,014,000	[2]	54,241,000	[2]
Equity Swap [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	181,964,000	[1]	160,535,000	[1]	107,740,000	[1]
Derivative Liability, Notional Amount, Gross Basis	181,964,000	[1]	160,535,000	[1]	107,740,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	18,112,000		16,247,000		6,854,000
Derivative Asset, Fair Value, Net Asset	18,112,000	[2]	16,247,000	[2]	6,854,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	18,112,000		16,247,000		6,854,000
Derivative Liability, Fair Value, Net Liability	18,112,000	[2]	16,247,000	[2]	6,854,000	[2]
Customer Derivative Before Cash Collateral [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	10,561,839,000	[1]	13,967,727,000	[1]	12,193,822,000	[1]
Derivative Liability, Notional Amount, Gross Basis	10,584,538,000	[1]	14,020,258,000	[1]	12,387,462,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	376,475,000		496,493,000		595,519,000
Derivative Asset, Fair Value, Net Asset	241,689,000	[2]	283,512,000	[2]	334,612,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	374,177,000		496,291,000		599,313,000
Derivative Liability, Fair Value, Net Liability	239,391,000	[2]	283,310,000	[2]	338,374,000	[2]
Cash Collateral [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	0	[1]	0	[1]	0	[1]
Derivative Liability, Notional Amount, Gross Basis	0	[1]	0	[1]	0	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	0		0		0
Derivative Asset, Fair Value, Net Asset	(14,014,000)	[2]	(15,017,000)	[2]	(7,873,000)	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	0		0		0
Derivative Liability, Fair Value, Net Liability	(65,474,000)	[2]	(68,987,000)	[2]	(38,619,000)	[2]
Total Customer Derivatives [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	10,561,839,000	[1]	13,967,727,000	[1]	12,193,822,000	[1]
Derivative Liability, Notional Amount, Gross Basis	10,584,538,000	[1]	14,020,258,000	[1]	12,387,462,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	376,475,000		496,493,000		595,519,000
Derivative Asset, Fair Value, Net Asset	227,675,000	[2]	268,495,000	[2]	326,739,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	374,177,000		496,291,000		599,313,000
Derivative Liability, Fair Value, Net Liability	173,917,000	[2]	214,323,000	[2]	299,755,000	[2]
Interest Rate Risk Management Program [Member]
Notional Amount of Derivatives [Abstract]
Derivative Asset, Notional Amount, Gross Basis	44,000,000	[1]	124,000,000	[1]	168,000,000	[1]
Derivative Liability, Notional Amount, Gross Basis	0	[1]	17,977,000	[1]	28,357,000	[1]
Derivative Asset, Fair Value, Net [Abstract]
Derivative Asset, Fair Value, Gross Asset	2,212,000		1,950,000		7,837,000
Derivative Asset, Fair Value, Net Asset	2,212,000	[2]	1,950,000	[2]	7,837,000	[2]
Derivative Liability, Fair Value, Net [Abstract]
Derivative Liability, Fair Value, Gross Liability	0		1,097,000		96,000
Derivative Liability, Fair Value, Net Liability	$ 0	[2]	$ 1,097,000	[2]	$ 96,000	[2]

[1] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

[2] Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

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Commitments and Contingent Liabilities

6 Months Ended

Jun. 30, 2011

Commitments and Contingent Liabilities [Abstract]

Commitments and Contingent Liabilities

(7)  Commitments and Contingent Liabilities

BOSC, Inc. has been joined as a defendant in a putative class action brought on behalf of unit holders of SemGroup Energy Partners, LP in the United States District Court for the Northern District of Oklahoma.  The lawsuit is brought pursuant to Sections 11 and 12(a)(2) of the Securities Act of 1933 against all of the underwriters of issuances of partnership units in the Initial Public Offering in July 2007 and in a Secondary Offering in January 2008.  BOSC underwrote $6.25 million of units in the Initial Public Offering.  BOSC was not an underwriter in the Secondary Offering.  Counsel for BOSC believes BOSC has valid defenses to the claims asserted in the litigation.  A definitive settlement agreement among the issuer, the underwriters, and all parties to the litigation has been reached at no material loss to the Company. The definitive agreement has been preliminarily approved by the Court and is set for hearing for final approval.

In 2010, Bank of Oklahoma, National Association, was named as a defendant in three putative class actions alleging that the manner in which the bank posted charges to its consumer deposit accounts breached an implied obligation of good faith and fair dealing and violates the Oklahoma Consumer Protection Act.  The actions also allege that the manner in which the bank posted charges to it consumer demand deposit accounts is unconscionable, constitutes conversion and unjustly enriches the bank.  Two of the actions are pending in the District Court of Tulsa County.  The third action, originally brought in the United State District Court for the Western District of Oklahoma, has been transferred to Multi-District Litigation in the Southern District of Florida.  Each of the three actions seeks to establish a class consisting of all consumer customers of the bank.  The amount claimed by the plaintiffs has not been determined, but could be material.  Management has been advised by counsel that, in its opinion, the Company's overdraft policies meet all requirement of law and the Bank has substantial defenses to the claims.  Based on currently available information, management has established an accrual within a reasonable range of probable losses and anticipates the claims will be resolved without material loss to the Company.

As a member of Visa, BOK Financial is obligated for a proportionate share of certain covered litigation losses incurred by Visa under a retrospective responsibility plan.  A contingent liability was recognized for the Company's share of Visa' covered litigation liabilities.  The contingent liability totaled $774 thousand at June 30, 2011.  Visa funded an escrow account to cover litigation claims, including covered litigation losses under the retrospective responsibility plan, with proceeds from its initial public offering in 2008 and from available cash.  BOK Financial recognized a $774 thousand receivable for its proportionate share of this escrow account.

BOK Financial currently owns 251,837 Visa Class B shares which are convertible into Visa Class A shares at the later of three years after the date of Visa's initial public offering or the final settlement of all covered litigation.  The current exchange rate is approximately 0.4881 Class A shares for each Class B share.  However, the Company's Class B shares may be diluted in the future if the escrow fund is not adequate to cover future covered litigation costs.  Therefore, no value has been currently assigned to the Class B shares and no value may be assigned until the Class B shares are converted into a known number of Class A shares.

At June 30, 2011, Cavanal Hill Funds' assets included $1.0 billion of U.S. Treasury, $863 million of cash management and $337 million of tax-free money market funds.  Assets of these funds consist of highly-rated, short-term obligations of the U.S. Treasury, corporate issuers and U.S. states and municipalities.  The net asset value of units in these funds was $1.00 at June 30, 2011.  An investment in these funds is not insured by the Federal Deposit Insurance Corporation or guaranteed by BOK Financial or any of its subsidiaries.  BOK Financial may, but is not obligated to purchase assets from these funds to maintain the net asset value at $1.00.  No assets were purchased from the funds in 2011 or 2010.

Cottonwood Valley Ventures, Inc. (“CVV, Inc.”), an indirectly wholly-owned subsidiary of BOK Financial, is being audited by the Oklahoma Tax Commission (“OTC”) for tax years 2007 through 2009.  CVV, Inc. is a qualified venture capital company under the applicable Oklahoma statute.  As authorized by the statute, CVV, Inc. guarantees transferable Oklahoma state income tax credits by providing direct debt financing to private companies which qualify as statutory business ventures.  Due to certain statutory limitations on utilization of such credits, CVV, Inc. must sell the majority of the credits to provide the economic incentives provided for by the statute.  In the event that the OTC disallows any of the credits, CVV, Inc. would be required to indemnify purchasers for the tax credits disallowed.  Management does not anticipate that this audit will have a material adverse impact to the financial statements.

BOKF Equity, LLC, an indirect wholly-owned subsidiary, is the general partner of two consolidated private equity funds (“the Funds”).  The Funds provide alternative investment opportunities to certain customers, some of which are related parties, through unaffiliated limited partnerships.  These unaffiliated limited partnerships generally invest in distressed assets, asset buy-outs or venture capital companies.  At June 30, 2011, the Funds' assets, included in Other assets on the Consolidated Balance Sheets, totaled $28 million.  The Funds have no debt.  The general partner has contingent obligations to make additional investments totaling $14 million at June 30, 2011, substantially all of which are offset by limited partner commitments.  The Company does not accrue its contingent liability to fund investments.

The Company agreed to guarantee rents totaling $28.7 million through September of 2017 to the City of Tulsa (“City”) as owner of a building immediately adjacent to the Bank's main office for space currently rented by third-party tenants in the building.  All rent payments are current.  Remaining guaranteed rents totaled $18.6 million at June 30, 2011.  Current leases expire or are subject to lessee termination options at various dates in 2012 and 2014.  Our obligation under the agreement would be affected by lessee decisions to exercise these options.  In return for this guarantee, the Company will receive 80% of net cash flow as defined in an agreement with the City through September 2017 from rental of space that was vacant at the inception of the agreement.  Approximately 42 thousand square feet of this additional space has been rented to outside parties since the date of the agreement.  The maximum amount that the Company may receive under this agreement is $4.5 million.

In the ordinary course of business, BOK Financial and its subsidiaries are subject to legal actions and complaints.  Management believes, based upon the opinion of counsel, that the actions and liability or loss, if any, resulting from the final outcomes of the proceedings, will not have a material effect on the Company's financial condition, results of operations or cash flows.

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Fair Value Measurements, Fair Value Measured On a Nonrecurring Basis (Details) (USD $) In Thousands	3 Months Ended	6 Months Ended	3 Months Ended
	Jun. 30, 2010	Jun. 30, 2010	Jun. 30, 2011 Impaired Loans [Member]	Jun. 30, 2010 Impaired Loans [Member]	Jun. 30, 2011 Real Estate and Other Repossessed Assets [Member]	Jun. 30, 2010 Real Estate and Other Repossessed Assets [Member]
Other Cost and Expenses, Fair Value Changes [Abstract]
Gross charge-offs against allowance for loan losses			$ 4,071	$ 28,243	$ 0	$ 0
Gross charge-offs against allowance for recourse loans			146		0
Net losses and expenses of repossessed assets, net			0	0	4,127	11,623
Change in fair value of certificate of deposit	$ 444	$ 201

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Consolidated Statements of Cash Flows (USD $) In Thousands	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash Flows From Operating Activities:
Net income	$ 136,461	$ 125,900
Adjustments to reconcile net income before non-controlling interest to net cash provided by operating activities:
Provision for credit losses	8,950	78,140
Change in fair value of mortgage servicing rights	10,364	5,526
Unrealized (gains) losses from derivatives	5,834	(18,542)
Tax benefit on exercise of stock options	(339)	(335)
Change in bank-owned life insurance	(5,735)	(5,880)
Stock-based compensation	4,803	4,359
Depreciation and amortization	24,529	30,843
Net amortization of securities discounts and premiums	48,751	44,240
Net realized (gains) losses on financial instruments and other assets	(16,789)	4,863
Mortgage loans originated for resale	(902,774)	(818,282)
Proceeds from sale of mortgage loans held for resale	1,013,516	817,960
Capitalized mortgage servicing rights	(10,767)	(10,362)
Change in trading securities, including mortgage trading securities	(169,581)	(250,268)
Change in receivables	18,996	(17,327)
Change in other assets	17,073	15,199
Change in accrued interest, taxes and expense	(29,614)	(19,978)
Change in other liabilities	(35,125)	29,590
Net cash provided by operating activities	118,553	15,646
Cash Flows From Investing Activities:
Proceeds from maturities of investment securities	26,986	61,275
Proceeds from maturities of available for sale securities	1,216,168	1,121,309
Purchases of investment securities	(37,085)	(174,255)
Purchases of available for sale securities	(2,967,565)	(2,254,088)
Proceeds from sales of available for sale securities	1,447,073	956,170
Change in amount receivable on unsettled securities transactions	(35,541)	0
Loans originated net of principal collected	(87,541)	302,180
Purchase of mortgage servicing rights	0	(26,658)
Proceeds from derivative asset contracts	55,877	114,312
Proceeds from disposition of assets	62,060	13,154
Purchases of assets	(19,984)	(24,966)
Net cash provided by (used in) investing activities	(339,552)	88,433
Cash Flows From Financing Activities:
Net change in demand deposits, transaction deposits and savings accounts	281,284	664,177
Net change in time deposits	125,692	(94,090)
Net change in other borrowings	(214,296)	(634,330)
Net payments or proceeds on derivative liability contracts	(58,891)	(105,856)
Net change in derivative margin accounts	(46,606)	(26,889)
Change in amount due on unsettled security transactions	6,182	54,135
Issuance of common and treasury stock, net	4,291	2,887
Tax benefit on exercise of stock options	339	335
Dividends paid	(35,639)	(33,138)
Net cash provided by (used in) financing activities	62,356	(172,769)
Net decrease in cash and cash equivalents	(158,643)	(68,690)
Cash and cash equivalents at beginning of period	1,269,404	921,216
Cash and cash equivalents at end of period	1,110,761	852,526
Cash paid for interest	63,563	74,563
Cash paid for taxes	87,888	71,262
Net loans transferred to repossessed real estate and other assets	33,894	24,769
Increase in U.S. government guaranteed loans elgible for repurchase	59,697	0
Accrued purchase of mortgage servicing rights	$ 0	$ 5,234

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Derivatives

6 Months Ended

Jun. 30, 2011

Derivatives [Abstract]

Derivatives

(3) Derivatives

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at June 30, 2011 (in thousands):

	Gross Basis								Net Basis²
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	8,258,239	$	114,945	$	8,096,551	$	113,534	$	91,439		$	90,028
Energy contracts		1,917,521		158,922		2,094,878		157,998		51,820			50,896
Agricultural contracts		125,644		6,025		132,573		5,961		1,847			1,783
Foreign exchange contracts		78,471		78,471		78,572		78,572		78,471			78,572
CD options		181,964		18,112		181,964		18,112		18,112			18,112
Total customer derivative before cash collateral		10,561,839		376,475		10,584,538		374,177		241,689			239,391
Less: cash collateral		–		–		–		–		(14,014	)		(65,474	)
Total customer derivatives		10,561,839		376,475		10,584,538		374,177		227,675			173,917
Interest rate risk management programs		44,000		2,212		–		–		2,212			–
Total derivative contracts	$	10,605,839	$	378,687	$	10,584,538	$	374,177	$	229,887		$	173,917

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

² Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

When bilateral netting agreements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by counterparty basis.

Derivative contracts may also require the Company to provide or receive cash margin as collateral for derivative assets and liabilities.  Derivative assets and liabilities are reported net of cash margin when certain conditions are met.  As of June 30, 2011, a decrease in credit rating from A1 to below investment grade would increase our obligation to post cash margin on existing contracts by approximately $70 million.

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2010 (in thousands):

	Gross Basis								Net Basis²
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	11,664,409	$	235,961	$	11,524,077	$	233,421	$	141,279		$	138,739
Energy contracts		1,914,519		188,655		2,103,923		191,075		76,746			79,166
Agricultural contracts		183,250		10,616		186,709		10,534		4,226			4,144
Foreign exchange contracts		45,014		45,014		45,014		45,014		45,014			45,014
CD options		160,535		16,247		160,535		16,247		16,247			16,247
Total customer derivative before cash collateral		13,967,727		496,493		14,020,258		496,291		283,512			283,310
Less: cash collateral		–		–		–		–		(15,017	)		(68,987	)
Total customer derivatives		13,967,727		496,493		14,020,258		496,291		268,495			214,323
Interest rate risk management programs		124,000		1,950		17,977		1,097		1,950			1,097
Total derivative contracts	$	14,091,727	$	498,443	$	14,038,235	$	497,388	$	270,445		$	215,420

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

² Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at June 30, 2010 (in thousands):

	Gross Basis								Net Basis2
	Assets				Liabilities				Assets			Liabilities
	Notional¹		Fair Value		Notional¹		Fair Value		Fair Value			Fair Value
Customer risk management programs:
Interest rate contracts	$	9,128,247	$	199,965	$	8,975,646	$	198,807	$	153,044		$	151,858
Energy contracts		2,667,481		327,577		3,007,643		332,804		119,537			124,764
Agricultural contracts		236,113		6,882		242,192		6,607		936			657
Foreign exchange contracts		54,241		54,241		54,241		54,241		54,241			54,241
CD options		107,740		6,854		107,740		6,854		6,854			6,854
Total customer derivative before cash collateral		12,193,822		595,519		12,387,462		599,313		334,612			338,374
Less: cash collateral		–		–		–		–		(7,873	)		(38,619	)
Total customer derivatives		12,193,822		595,519		12,387,462		599,313		326,739			299,755
Interest rate risk management programs		168,000		7,837		28,357		96		7,837			96
Total derivative contracts	$	12,361,822	$	603,356	$	12,415,819	$	599,409	$	334,576		$	299,851

¹ Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

2 Derivative contracts are recorded on a net basis in the balance sheet in recognition of master netting agreements that enable the Company to settle all derivative positions with a given counterparty in total and to offset the net derivative position with the related cash collateral.

The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands):

	Three Months Ended June 30, 2011				Three Months Ended June 30, 2010
	Brokerage and Trading Revenue		Gain (Loss) on Derivatives, Net		Brokerage and Trading Revenue			Gain (Loss) on Derivatives, Net
Customer Risk Management Programs:
Interest rate contracts	$	24	$	–	$	(800	)	$	–
Energy contracts		912		–		2,549			–
Agricultural contracts		92		–		203			–
Foreign exchange contracts		75		–		84			–
CD options		–		–		–			–
Total Customer Derivatives		1,103		–		2,036			–
Interest Rate Risk Management Programs		–		1,225		–			7,552
Total Derivative Contracts	$	1,103	$	1,225	$	2,036		$	7,552

	Six Months Ended June 30, 2011						Six Months Ended June 30, 2010
	Brokerage and Trading Revenue			Gain (Loss) on Derivatives, Net			Brokerage and Trading Revenue		Gain (Loss) on Derivatives, Net
Customer Risk Management Programs:
Interest rate contracts	$	(2,512	)	$	–		$	763	$	–
Energy contracts		4,399			–			3,997		–
Agricultural contracts		160			–			396		–
Foreign exchange contracts		183			–			174		–
CD options		–			–			–		–
Total Customer Derivatives		2,230			–			5,330		–
Interest Rate Risk Management Programs		–			(1,348	)		–		6,676
Total Derivative Contracts	$	2,230		$	(1,348	)	$	5,330	$	6,676

Customer Risk Management Programs

BOK Financial offers programs to permit its customers to manage various risks, including fluctuations in energy, cattle and other agricultural products, interest rates and foreign exchange rates, or to take positions in derivative contracts.  Derivative contracts are executed between the customers and BOK Financial.  Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize its risk of changes in commodity prices, interest rates or foreign exchange rates.  The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in other operating revenue – brokerage and trading revenue.

Interest Rate Risk Management Programs

BOK Financial may use interest rate swaps in managing its interest rate sensitivity and as part of its economic hedge of the change in the fair value of mortgage servicing rights.  Interest rate swaps are generally used to reduce overall asset sensitivity by converting specific fixed rate liabilities to floating rate based on LIBOR.  Net interest revenue was not significantly impacted by the settlement of amounts receivable or payable on interest rate swaps for the three and six months ended June 30, 2011 and 2010, respectively.  As of June 30, 2011, BOK Financial had interest rate swaps with a notional value of $44 million used as part of the economic hedge of the change in the fair value of the mortgage servicing rights.

As discussed in Note 5, certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets.  See Note 5, for additional discussion of notional, fair value and impact on earnings of these contracts.

None of these derivative contracts have been designated as hedging instruments.

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Mortgage Banking Activities, Components of Loans Held For Sale (Details) (USD $) In Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010	Dec. 31, 2010
Mortgage Banking Activities [Abstract]
General number of days outstanding for residential mortgage commitments, minimum (in days)			60 D
General number of days outstanding for residential mortgage commitments, maximum (in days)			90 D
General number of days for delivery of loans, for which the price is set by forward sales contracts, minimum (in days)			60 D
General number of days for delivery of loans, for which the price is set by forward sales contracts, maximum (in days)			90 D
Number of days for past due loans (in days)			90 D
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Components of Residential Mortgages Held For Sale Gross, Fair Value	$ 169,609	$ 227,574	$ 169,609	$ 227,574	$ 263,413
Mortgage and Marketing Revenue [Abstract]
Total originating and marketing revenue	9,409	8,764	16,938	15,286
Servicing revenue	9,947	9,571	19,774	17,920
Mortgage banking revenue	19,356	18,335	36,712	33,206
Residential Mortgage Loans Held For Sale Gross [Member]
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Components of Residential Mortgages Held For Sale Gross, Fair Value	167,300	229,493	167,300	229,493	254,669
Residential Mortgage Loans Held For Sale Unpaid Principal Balance, Gross	162,579	227,574	162,579	227,574	253,778
Mortgage and Marketing Revenue [Abstract]
Mortgage Loans Held For Sale, Gain (Loss)	10,037	13,528	23,373	21,326
Residential Mortgage Loan Commitments [Member]
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Components of Residential Mortgages Held For Sale Gross, Fair Value	2,793	5,538	2,793	5,538	2,251
Residential Mortgage Derivatives Notional Amount	156,209	189,029	156,209	189,029	138,870
Mortgage and Marketing Revenue [Abstract]
Mortgage Loans Held For Sale, Gain (Loss)	(702)	3,072	542	5,043
Forward Sales Contracts[Member]
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Components of Residential Mortgages Held For Sale Gross, Fair Value	(484)	(7,457)	(484)	(7,457)	6,493
Residential Mortgage Derivatives Notional Amount	302,526	407,457	302,526	407,457	396,422
Mortgage and Marketing Revenue [Abstract]
Mortgage Loans Held For Sale, Gain (Loss)	$ 74	$ (7,836)	$ (6,977)	$ (11,083)

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Securities (Details) (USD $)	3 Months Ended				6 Months Ended				12 Months Ended
	Jun. 30, 2011		Jun. 30, 2010		Jun. 30, 2011		Jun. 30, 2010		Dec. 31, 2010
Trading Securities [Abstract]
Fair Value, trading securities	$ 99,846,000		$ 62,159,000		$ 99,846,000		$ 62,159,000		$ 55,467,000
Amortized Cost	349,583,000		353,277,000		349,583,000		353,277,000		339,553,000
Investments securities, fair value	369,247,000		363,886,000		369,247,000		363,886,000		346,105,000
Not Recognized in OCI Gross Unrealized Gain	19,668,000	[1]	10,885,000	[1]	19,668,000	[1]	10,885,000	[1]	8,417,000	[1]
Not Recognized in OCI Gross Unrealized Loss	(4,000)	[1]	(276,000)	[1]	(4,000)	[1]	(276,000)	[1]	(1,865,000)	[1]
Held-to-Maturity,Amortized Cost [Abstract]
Held-to-Maturity,Amortized Cost,Less Than One Year	57,328,000				57,328,000
Held-to-Maturity,Amortized Cost,One to Five Years	110,961,000				110,961,000
Held-to-Maturity,Amortized Cost,Six to Ten Years	59,290,000				59,290,000
Held-to-Maturity,Amortized Cost,Over Ten Year	122,004,000				122,004,000
Held-to-Maturity,Amortized Cost,Total	349,583,000		353,277,000		349,583,000		353,277,000		339,553,000
Held-to-Maturity,Amortized Cost,Weighted Average Maturity (in years)	6.97	[2]			6.97	[2]
Held-to-Maturity,Fair Value [Abstract]
Held-to-Maturity,Fair Value,Less Than One Year	57,701,000				57,701,000
Held-to-Maturity,Fair Value,One to Five Years	114,702,000				114,702,000
Held-to-Maturity,Fair Value,Six to Ten Years	61,833,000				61,833,000
Held-to-Maturity,Fair Value,Over Ten Year	135,011,000				135,011,000
Held-to-Maturity,Fair Value,Total	369,247,000		363,886,000		369,247,000		363,886,000		346,105,000
Held-to-Maturity,Nominal Yield (in hundredths) [Abstract]
Held-to-Maturity,Less Than One Year,Nominal Yield (in hundredths)					4.62
Held-to-Maturity,One to Five Years,Nominal Yield (in hundredths)					4.87
Held-to-Maturity,Six to Ten Years,Nominal Yield (in hundredths)					5.58
Held-to-Maturity,Over Ten Year,Nominal Yield (in hundredths)					6.20
Held-to-Maturity,Nominal Yield (in hundredths)					5.41
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Available-for-Sale Securities, Gross Realized Gain (Loss) Disclosures [Abstract]
Related federal and state income tax expense					3,973,000		4,833,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	60				60
Amortized Cost	469,396,000				469,396,000
Fair Value	407,321,000				407,321,000
Credit losses Recognized [Abstract]
Number of Securites in Current Period	34
Amount of Credit Losses Recognized in Currrent Period	4,303,000
Number of Securites in Life-to-Date	44				44
Amount of Credit Losses Recognized in Life-to-Date	60,507,000
Other-than Temporary Impairment Credit Losses Recognized in Earnings [Roll Forward]
Balance of credit-related OTTI recognized on available for sale debt securities at beginning of period	57,223,000		29,367,000		52,624,000		25,142,000		25,142,000
Additions for credit-related OTTI not previously recognized	37,000		791,000		37,000		1,789,000
Additions for increases in credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost	4,787,000		1,855,000		9,386,000		5,082,000
Balance of credit-related OTTI recognized on available for sale debt securities, end of period	62,047,000		32,013,000		62,047,000		32,013,000		52,624,000
Taxable equivalent basis - effective tax rate (in hundredths)					39.00%
Average expected Life of Mortgage Backed Security (in years)	2.92				2.92
Securities Pledged as Collateral For Repurchase, Amortized Cost	3,600,000,000		4,800,000,000		3,600,000,000		4,800,000,000		5,300,000,000
Aggregate Unrealized Loss on Private Issue RMBS	62,000,000				62,000,000
Estimated Unemployment Rate , Maximum (in hundredths)	9.50%				9.50%
Estimated Unemployment Rate, Minimum (in hundredths)	8.00%				8.00%
Estimated Liquidation Costs For Jumbo Loans , Minimum (in hundredths)	25.00%				25.00%
Estimated Liquidation Costs For Jumbo Loans , Maximum (in hundredths)	30.00%				30.00%
Estimated Liquidation Costs For Alt A Loans , Minimum (in hundredths)	35.00%				35.00%
Estimated Liquidation Costs For Alt A Loans , Maximum (in hundredths)	38.00%				38.00%
Discount Rate Used To Estimate Cash Flow, Minimum (in hundredths)	2.90%				2.90%
Discount Rate Used To Estimate Cash Flow, Maximum (in hundredths)	6.25%				6.25%
Mortgage Trading Securities Fair Value	553,231,000		534,641,000		553,231,000		534,641,000		428,021,000
Mortgage Trading Securities Unrealized Gain or Loss					5,700,000		14,000,000		5,600,000
Mortgage Trading Securities Realized Gain or Loss	6,400,000		14,600,000		9,900,000		15,100,000
Trading Securities [Member]
Trading Securities [Abstract]
Fair Value, trading securities	99,846,000		62,159,000		99,846,000		62,159,000		55,467,000
Net Unrealized Gain (Loss)					(290,000)		131,000		59,000
Trading Securities [Member] | Municipal And Other Tax Exempt Securities [Member]
Trading Securities [Abstract]
Fair Value, trading securities	62,285,000		18,866,000		62,285,000		18,866,000		23,396,000
Net Unrealized Gain (Loss)					(249,000)		(15,000)		(214,000)
Trading Securities [Member] | Obligations of the U. S. Government [Member]
Trading Securities [Abstract]
Fair Value, trading securities	11,825,000		12,786,000		11,825,000		12,786,000		3,873,000
Net Unrealized Gain (Loss)					(37,000)		(8,000)		(17,000)
Trading Securities [Member] | Other trading securities [Member]
Trading Securities [Abstract]
Fair Value, trading securities	2,997,000		4,031,000		2,997,000		4,031,000		927,000
Net Unrealized Gain (Loss)					(13,000)		3,000		(2,000)
Trading Securities [Member] | US Government Agencies Debt Securities [Member]
Trading Securities [Abstract]
Fair Value, trading securities	22,739,000		26,476,000		22,739,000		26,476,000		27,271,000
Net Unrealized Gain (Loss)					9,000		151,000		292,000
Available-for-sale Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	9,303,808,000		8,890,389,000		9,303,808,000		8,890,389,000		9,035,418,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	334,343,000		337,838,000		334,343,000		337,838,000		292,592,000
Available-for-Sale Securities, Gross Unrealized Loss	(14,035,000)		(35,921,000)		(14,035,000)		(35,921,000)		(36,560,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(57,108,000)		(86,478,000)		(56,829,000)
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	9,303,808,000				9,303,808,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Nominal Yield					3.76
Available-for-Sale Securities, Gross Realized Gain (Loss) Disclosures [Abstract]
Proceeds	771,536,000		594,990,000		1,411,220,000		915,138,000
Gross realized gains	6,205,000		8,469,000		17,172,000		13,826,000
Gross realized losses	3,654,000		0		7,809,000		0
Related federal and state income tax expense	904,000		2,778,000		3,454,000		4,576,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	122		116		122		116		160
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	353,396,000		252,489,000		353,396,000		252,489,000		1,619,438,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	478,779,000		660,906,000		478,779,000		660,906,000		632,705,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	832,175,000		913,395,000		832,175,000		913,395,000		2,252,143,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	2,130,000		6,774,000		2,130,000		6,774,000		21,669,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	69,013,000		115,625,000		69,013,000		115,625,000		71,720,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	71,143,000		122,399,000		71,143,000		122,399,000		93,389,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	8,589,909,000				8,589,909,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	81,271,000				81,271,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	107,984,000				107,984,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	483,980,000				483,980,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	40,664,000				40,664,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	9,303,808,000		8,890,389,000		9,303,808,000		8,890,389,000		9,035,418,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	8,894,792,000				8,894,792,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	82,460,000				82,460,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	106,038,000				106,038,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	421,384,000				421,384,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	62,334,000				62,334,000
Available-for-Sale Securities, Fair Value	9,567,008,000		9,105,828,000		9,567,008,000		9,105,828,000		9,235,621,000
Available-for-sale Securities [Member] | US Treasuries [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	1,001,000				1,001,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	1,003,000				1,003,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	2,000				2,000
Available-for-Sale Securities, Gross Unrealized Loss	0				0
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year	1,001,000				1,001,000
Available-for-Sale Securities, Debt Maturities, One to Five Years	0				0
Available-for-Sale Securities, Debt Maturities, Six to Ten Years	0				0
Available-for-Sale Securities, Debt Maturities, Over Ten Years	0				0
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	1,001,000				1,001,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year, Fair Value	1,003,000				1,003,000
Available-for-Sale Securities, Debt Maturities, One to Five YearsFair Value	0				0
Available-for-Sale Securities, Debt Maturities, Six to Ten YearsFair Value	0				0
Available-for-Sale Securities, Debt Maturities, Over Ten YearsFair Value	0				0
Available-for-Sale Securities	1,003,000				1,003,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis Weighted Average Maturity	1.84				1.84
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One YearNominal Yield					0.55
Available-for-Sale Securities, Debt Maturities, One to Five Years Nominal Yield					0
Available-for-Sale Securities, Debt Maturities, Six to Ten Years Nominal Yield					0
Available-for-Sale Securities, Debt Maturities, Over Ten Years Nominal Yield					0
Available-for-Sale Securities, Debt Maturities, Nominal Yield					0.55
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	1,001,000				1,001,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	1,001,000				1,001,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	1,003,000				1,003,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	1,003,000				1,003,000
Available-for-sale Securities [Member] | Municipal And Other Tax Exempt Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	68,502,000		66,053,000		68,502,000		66,053,000		72,190,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	70,210,000		66,439,000		70,210,000		66,439,000		72,942,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	2,375,000		1,460,000		2,375,000		1,460,000		1,172,000
Available-for-Sale Securities, Gross Unrealized Loss	(146,000)		(1,074,000)		(146,000)		(1,074,000)		(315,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(521,000)		0		(105,000)
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year	744,000				744,000
Available-for-Sale Securities, Debt Maturities, One to Five Years	6,941,000				6,941,000
Available-for-Sale Securities, Debt Maturities, Six to Ten Years	12,575,000				12,575,000
Available-for-Sale Securities, Debt Maturities, Over Ten Years	48,242,000				48,242,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	68,502,000				68,502,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year, Fair Value	752,000				752,000
Available-for-Sale Securities, Debt Maturities, One to Five YearsFair Value	8,077,000				8,077,000
Available-for-Sale Securities, Debt Maturities, Six to Ten YearsFair Value	13,678,000				13,678,000
Available-for-Sale Securities, Debt Maturities, Over Ten YearsFair Value	47,703,000				47,703,000
Available-for-Sale Securities	70,210,000		66,439,000		70,210,000		66,439,000		72,942,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis Weighted Average Maturity	19.75				19.75
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One YearNominal Yield					3.30
Available-for-Sale Securities, Debt Maturities, One to Five Years Nominal Yield					4.12
Available-for-Sale Securities, Debt Maturities, Six to Ten Years Nominal Yield					4.08
Available-for-Sale Securities, Debt Maturities, Over Ten Years Nominal Yield					0.95
Available-for-Sale Securities, Debt Maturities, Nominal Yield					1.87
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	51		23		51		23		42
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	24,065,000		32,325,000		24,065,000		32,325,000		22,271,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	19,593,000		0		19,593,000		0		25,235,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	43,658,000		32,325,000		43,658,000		32,325,000		47,506,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	301,000		1,074,000		301,000		1,074,000		171,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	366,000		0		366,000		0		249,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	667,000		1,074,000		667,000		1,074,000		420,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	39,996,000				39,996,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	11,941,000				11,941,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	14,584,000				14,584,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	1,981,000				1,981,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	68,502,000		66,053,000		68,502,000		66,053,000		72,190,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	42,024,000				42,024,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	11,986,000				11,986,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	14,063,000				14,063,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	2,137,000				2,137,000
Available-for-Sale Securities, Fair Value	70,210,000		66,439,000		70,210,000		66,439,000		72,942,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	9,170,211,000		8,758,580,000		9,170,211,000		8,758,580,000		8,908,135,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,407,011,000		8,959,235,000		9,407,011,000		8,959,235,000		9,091,118,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	307,267,000		321,298,000		307,267,000		321,298,000		275,625,000
Available-for-Sale Securities, Gross Unrealized Loss	(13,880,000)		(34,165,000)		(13,880,000)		(34,165,000)		(35,918,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(56,587,000)		(86,478,000)		(56,724,000)
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	9,407,011,000		8,959,235,000		9,407,011,000		8,959,235,000		9,091,118,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	68		83		68		83		116
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	329,118,000		212,518,000		329,118,000		212,518,000		1,597,167,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	458,193,000		657,271,000		458,193,000		657,271,000		604,592,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	787,311,000		869,789,000		787,311,000		869,789,000		2,201,759,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	1,827,000		5,150,000		1,827,000		5,150,000		21,498,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	68,640,000		115,493,000		68,640,000		115,493,000		71,144,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	70,467,000		120,643,000		70,467,000		120,643,000		92,642,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	8,588,908,000				8,588,908,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	35,375,000				35,375,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	76,532,000				76,532,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	469,396,000				469,396,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	9,170,211,000		8,758,580,000		9,170,211,000		8,758,580,000		8,908,135,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	8,893,789,000				8,893,789,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	34,543,000				34,543,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	71,358,000				71,358,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	407,321,000				407,321,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	9,407,011,000		8,959,235,000		9,407,011,000		8,959,235,000		9,091,118,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | US Government Agencies Debt Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	8,588,908,000		7,909,107,000		8,588,908,000		7,909,107,000		8,193,705,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	8,893,789,000		8,223,719,000		8,893,789,000		8,223,719,000		8,446,909,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	306,708,000		319,762,000		306,708,000		319,762,000		274,702,000
Available-for-Sale Securities, Gross Unrealized Loss	(1,827,000)		(5,150,000)		(1,827,000)		(5,150,000)		(21,498,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	8,893,789,000		8,223,719,000		8,893,789,000		8,223,719,000		8,446,909,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	9		8		9		8		41
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	329,118,000		212,518,000		329,118,000		212,518,000		1,597,167,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	32,918,000		212,518,000		32,918,000		212,518,000		1,597,167,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	1,827,000		5,150,000		1,827,000		5,150,000		21,498,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0				0				0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	1,827,000		5,150,000		1,827,000		5,150,000		21,498,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	8,588,908,000				8,588,908,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	8,588,908,000		7,909,107,000		8,588,908,000		7,909,107,000		8,193,705,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	8,893,789,000				8,893,789,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	8,893,789,000		8,223,719,000		8,893,789,000		8,223,719,000		8,446,909,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | US Government Agencies Debt Securities [Member] | FNMA [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	5,359,939,000		4,148,758,000		5,359,939,000		4,148,758,000		4,791,438,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	5,524,849,000		4,319,324,000		5,524,849,000		4,319,324,000		4,925,693,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	166,016,000		174,183,000		166,016,000		174,183,000		147,024,000
Available-for-Sale Securities, Gross Unrealized Loss	(1,106,000)		(3,617,000)		(1,106,000)		(3,617,000)		(12,769,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	5,524,849,000		4,319,324,000		5,524,849,000		4,319,324,000		4,925,693,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	7		6		7		6		26
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	230,949,000		166,825,000		230,949,000		166,825,000		1,099,710,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	230,949,000		166,825,000		230,949,000		166,825,000		109,971,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	1,106,000		3,617,000		1,106,000		3,617,000		12,769,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	1,106,000		3,617,000		1,106,000		3,617,000		12,769,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	5,359,939,000				5,359,939,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	5,359,939,000		4,148,758,000		5,359,939,000		4,148,758,000		4,791,438,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	5,524,849,000				5,524,849,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	5,524,849,000		4,319,324,000		5,524,849,000		4,319,324,000		4,925,693,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | US Government Agencies Debt Securities [Member] | FHLMC [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	2,447,830,000		2,680,437,000		2,447,830,000		2,680,437,000		2,545,208,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	2,544,684,000		2,776,620,000		2,544,684,000		2,776,620,000		2,620,066,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	97,575,000		96,183,000		97,575,000		96,183,000		83,341,000
Available-for-Sale Securities, Gross Unrealized Loss	(721,000)		0		(721,000)		0		(8,483,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	2,544,684,000		2,776,620,000		2,544,684,000		2,776,620,000		2,620,066,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	2				2				12
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	98,169,000				98,169,000				491,776,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0				0				0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	98,169,000				98,169,000				491,776,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	721,000				721,000				8,483,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0				0				0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	721,000				721,000				8,483,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	2,447,830,000				2,447,830,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	2,447,830,000		2,680,437,000		2,447,830,000		2,680,437,000		2,545,208,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	2,544,684,000				2,544,684,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	2,544,684,000		2,776,620,000		2,544,684,000		2,776,620,000		2,620,066,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | US Government Agencies Debt Securities [Member] | GNMA [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	704,168,000		972,348,000		704,168,000		972,348,000		765,046,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	742,411,000		1,011,522,000		742,411,000		1,011,522,000		801,993,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	38,243,000		40,707,000		38,243,000		40,707,000		37,193,000
Available-for-Sale Securities, Gross Unrealized Loss	0		(1,533,000)		0		(1,533,000)		(246,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	742,411,000		1,011,522,000		742,411,000		1,011,522,000		801,993,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities			2				2		3
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value			45,693,000				45,693,000		5,681,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value			0				0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value			45,693,000				45,693,000		5,681,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss			1,533,000				1,533,000		246,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss			0				0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss			1,533,000				1,533,000		246,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	704,168,000				704,168,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	704,168,000		972,348,000		704,168,000		972,348,000		765,046,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	742,411,000				742,411,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	742,411,000		1,011,522,000		742,411,000		1,011,522,000		801,993,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | US Government Agencies Debt Securities [Member] | Other Agency [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	76,971,000		107,564,000		76,971,000		107,564,000		92,013,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	81,845,000		116,253,000		81,845,000		116,253,000		99,157,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	4,874,000		8,689,000		4,874,000		8,689,000		7,144,000
Available-for-Sale Securities, Gross Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	81,845,000		116,253,000		81,845,000		116,253,000		99,157,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	76,971,000				76,971,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	76,971,000		107,564,000		76,971,000		107,564,000		92,013,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	81,845,000				81,845,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	81,845,000		116,253,000		81,845,000		116,253,000		99,157,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | Private Issue [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	581,303,000		849,473,000		581,303,000		849,473,000		714,430,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	513,222,000		735,516,000		513,222,000		735,516,000		644,209,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	559,000		1,536,000		559,000		1,536,000		923,000
Available-for-Sale Securities, Gross Unrealized Loss	(12,053,000)		(29,015,000)		(12,053,000)		(29,015,000)		(14,420,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(56,587,000)		(86,478,000)		(56,724,000)
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	513,222,000		735,516,000		513,222,000		735,516,000		644,209,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	59		75		59		75		75
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	458,193,000		657,271,000		458,193,000		657,271,000		604,592,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	458,193,000		657,271,000		458,193,000		657,271,000		604,592,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	68,640,000		115,493,000		68,640,000		115,493,000		71,144,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	68,640,000		115,493,000		68,640,000		115,493,000		71,144,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	35,375,000				35,375,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	76,532,000				76,532,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	469,396,000				469,396,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	581,303,000		849,473,000		581,303,000		849,473,000		714,430,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	34,543,000				34,543,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	71,358,000				71,358,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	407,321,000				407,321,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	513,222,000		735,516,000		513,222,000		735,516,000		644,209,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | Private Issue [Member] | Alt A [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	195,932,000		230,058,000		195,932,000		230,058,000		220,332,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	166,757,000		176,489,000		166,757,000		176,489,000		186,674,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	46,000		0		46,000		0		0
Available-for-Sale Securities, Gross Unrealized Loss	(104,000)		(1,350,000)		(104,000)		(1,350,000)		(353,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(29,117,000)		(52,219,000)		(33,305,000)
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	166,757,000		176,489,000		166,757,000		176,489,000		186,674,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	20		20		20		20		22
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	156,796,000		176,489,000		156,796,000		176,489,000		186,675,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	156,796,000		176,489,000		156,796,000		176,489,000		186,675,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	29,221,000		53,569,000		29,221,000		53,569,000		33,658,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	29,221,000		53,569,000		29,221,000		53,569,000		33,658,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	3,269,000				3,269,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	9,914,000				9,914,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	182,749,000				182,749,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	195,932,000		230,058,000		195,932,000		230,058,000		220,332,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	3,164,000				3,164,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	9,961,000				9,961,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	153,632,000				153,632,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	166,757,000		176,489,000		166,757,000		176,489,000		186,674,000
Available-for-sale Securities [Member] | Residential Mortgage Backed Securities [Member] | Private Issue [Member] | Jumbo A Loans [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	385,371,000		619,415,000		385,371,000		619,415,000		494,098,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	346,465,000		559,027,000		346,465,000		559,027,000		457,535,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	513,000		1,536,000		513,000		1,536,000		923,000
Available-for-Sale Securities, Gross Unrealized Loss	(11,949,000)		(27,665,000)		(11,949,000)		(27,665,000)		(14,067,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					(27,470,000)		(34,259,000)		(23,419,000)
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	346,465,000		559,027,000		346,465,000		559,027,000		457,535,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	39		55		39		55		53
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	301,397,000		480,782,000		301,397,000		480,782,000		417,917,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	301,397,000		48,782,000		301,397,000		48,782,000		417,917,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	39,419,000		61,924,000		39,419,000		61,924,000		37,486,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	39,419,000		61,924,000		39,419,000		61,924,000		37,486,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	32,106,000				32,106,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	66,618,000				66,618,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	28,647,000				28,647,000
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	385,371,000		619,415,000		385,371,000		619,415,000		494,098,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	31,379,000				31,379,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	61,397,000				61,397,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	253,689,000				253,689,000
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	346,465,000		559,027,000		346,465,000		559,027,000		457,535,000
Available-for-sale Securities [Member] | Other Debt Obligations [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	5,900,000		12,971,000		5,900,000		12,971,000		6,401,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	5,893,000		13,064,000		5,893,000		13,064,000		6,401,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	0		120,000		0		120,000		0
Available-for-Sale Securities, Gross Unrealized Loss	(7,000)		(27,000)		(7,000)		(27,000)		0
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year	0				0
Available-for-Sale Securities, Debt Maturities, One to Five Years	0				0
Available-for-Sale Securities, Debt Maturities, Six to Ten Years	0				0
Available-for-Sale Securities, Debt Maturities, Over Ten Years	5,900,000				5,900,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	5,900,000				5,900,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year, Fair Value	0				0
Available-for-Sale Securities, Debt Maturities, One to Five YearsFair Value	0				0
Available-for-Sale Securities, Debt Maturities, Six to Ten YearsFair Value	0				0
Available-for-Sale Securities, Debt Maturities, Over Ten YearsFair Value	5,893,000				5,893,000
Available-for-Sale Securities	5,893,000		13,064,000		5,893,000		13,064,000		6,401,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis Weighted Average Maturity	32.46				32.46
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One YearNominal Yield					0
Available-for-Sale Securities, Debt Maturities, One to Five Years Nominal Yield					0
Available-for-Sale Securities, Debt Maturities, Six to Ten Years Nominal Yield					0
Available-for-Sale Securities, Debt Maturities, Over Ten Years Nominal Yield					1.71
Available-for-Sale Securities, Debt Maturities, Nominal Yield					1.71
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	2		7		2		7		0
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		4,965,000		0		4,965,000		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	993,000		29,000		993,000		29,000		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	993,000		4,994,000		993,000		4,994,000		0
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		27,000		0		27,000		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	7,000		0		7,000		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	7,000		27,000		7,000		27,000		0
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	5,900,000				5,900,000
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	5,900,000		12,971,000		5,900,000		12,971,000		6,401,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	5,893,000				5,893,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	5,893,000		13,064,000		5,893,000		13,064,000		6,401,000
Available-for-sale Securities [Member] | Equity Securities And Mutual Funds [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	38,683,000		33,561,000		38,683,000		33,561,000		29,181,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	60,197,000		47,209,000		60,197,000		47,209,000		43,046,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	21,513,000		14,170,000		21,513,000		14,170,000		14,192,000
Available-for-Sale Securities, Gross Unrealized Loss	(2,000)		(522,000)		(2,000)		(522,000)		(327,000)
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	60,197,000		47,209,000		60,197,000		47,209,000		43,046,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	1		3		1		3		2
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	213,000		2,681,000		213,000		2,681,000		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0		3,606,000		0		3,606,000		2,878,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	213,000		6,287,000		213,000		6,287,000		2,878,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	2,000		523,000		2,000		523,000		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0		132,000		0		132,000		327,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	2,000		655,000		2,000		655,000		327,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	38,683,000				38,683,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	38,683,000		33,561,000		38,683,000		33,561,000		29,181,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	60,197,000				60,197,000
Available-for-Sale Securities, Fair Value	60,197,000		47,209,000		60,197,000		47,209,000		43,046,000
Available-for-sale Securities [Member] | Equity Securities Mutual Funds And Other Stock [Member]
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	82,891,000				82,891,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	58,194,000				58,194,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	82,891,000				82,891,000
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Nominal Yield					0.69
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	82,891,000				82,891,000
Available-for-sale Securities [Member] | Perpetual Preferred Stock [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	19,511,000		19,224,000		19,511,000		19,224,000		19,511,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	22,694,000		19,881,000		22,694,000		19,881,000		22,114,000
Available-for-Sale Securities, Gross Unrealized Gain (loss) [Abstract]
Available-for-Sale Securities, Gross Unrealized Gain	3,183,000		790,000		3,183,000		790,000		2,603,000
Available-for-Sale Securities, Gross Unrealized Loss	0		(133,000)		0		(133,000)		0
Available-for-Sale Securities, Other Than Temporary Impairment [Abstract]
Available-for-Sale Securities, Other Than Temporary Impairment					0		0		0
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	22,694,000		19,881,000		22,694,000		19,881,000		22,114,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	19,511,000				19,511,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	19,511,000		19,224,000		19,511,000		19,224,000		19,511,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	22,694,000				22,694,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	0				0
Available-for-Sale Securities, Fair Value	22,694,000		19,881,000		22,694,000		19,881,000		22,114,000
Available-for-sale Securities [Member] | Collateralized Mortgage Backed Securities [Member]
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,407,011,000				9,407,011,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	9,170,211,000				9,170,211,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	9,407,011,000				9,407,011,000
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Nominal Yield					3.79
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	9,407,011,000				9,407,011,000
Held-to-maturity Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	349,583,000				349,583,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	369,247,000				369,247,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	369,247,000				369,247,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities									52
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value									93,180,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value									786,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value									93,966,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss									1,843,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss									22,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss									1,865,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	238,357,000				238,357,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	31,248,000				31,248,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	79,978,000				79,978,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	349,583,000				349,583,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	255,075,000				255,075,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	32,029,000				32,029,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	82,143,000				82,143,000
Available-for-Sale Securities, Fair Value	369,247,000				369,247,000
Held-to-maturity Securities [Member] | Municipal And Other Tax Exempt Securities [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	160,870,000				160,870,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	165,449,000				165,449,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	165,449,000				165,449,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	2		13		2		13		37
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	619,000		5,606,000		619,000		5,606,000		12,482,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0		1,437,000		0		1,437,000		786,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	619,000		7,043,000		619,000		7,043,000		13,268,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	4,000		31,000		4,000		31,000		211,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0		10,000		0		10,000		22,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	4,000		41,000		4,000		41,000		233,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	58,023,000				58,023,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	29,898,000				29,898,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	72,949,000				72,949,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	160,870,000				160,870,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	59,743,000				59,743,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	30,679,000				30,679,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	75,027,000				75,027,000
Available-for-Sale Securities, Fair Value	165,449,000				165,449,000
Held-to-maturity Securities [Member] | Other Debt Obligations [Member]
Available-for-Sale Securities, Amortized cost Basis [Abstract]
Available-for-Sale Securities, Cost Basis	160,870,000				160,870,000
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	203,798,000				203,798,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities	203,798,000				203,798,000
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	0		1		0		1		15
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		14,215,000		0		14,215,000		80,698,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	0		14,215,000		0		14,215,000		80,698,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		235,000		0		235,000		1,632,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	0		235,000		0		235,000		1,632,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Amortized Cost [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Amortized Cost	180,334,000				180,334,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Amortized Cost	1,350,000				1,350,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Amortized Cost	0				0
Available-for-Sale Securities, Portfolio Concentration Not RatedAmortized Cost	72,949,000				72,949,000
Available-for-Sale Securities, Portfolio Concentration Total, Amortized Cost	160,870,000				160,870,000
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Portfolio Concentration Rated US Governement or GSE, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated AAA to AA, Fair Value	195,332,000				195,332,000
Available-for-Sale Securities, Portfolio Concentration Rated A to BBB, Fair Value	1,350,000				1,350,000
Available-for-Sale Securities, Portfolio Concentration Rated Below Investment Grade, Fair Value	0				0
Available-for-Sale Securities, Portfolio Concentration Rated Not Rated Fair Value	7,116,000				7,116,000
Available-for-Sale Securities, Fair Value	203,798,000				203,798,000
Available For Sale And Investment Securities [Member]
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	124		130		124		130		212
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	354,015,000		272,310,000		354,015,000		272,310,000		1,712,618,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	478,779,000		662,343,000		478,779,000		662,343,000		633,491,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	832,794,000		934,653,000		832,794,000		934,653,000		2,346,109,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	2,134,000		7,040,000		2,134,000		7,040,000		23,512,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	69,013,000		115,635,000		69,013,000		115,635,000		71,742,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	71,147,000		122,675,000		71,147,000		122,675,000		93,254,000
Unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income [Member] | Municipal And Other Tax Exempt Securities [Member]
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	21				21				11
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	6,948,000				6,948,000				10,713,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	7,115,000				7,115,000				0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	14,063,000				14,063,000				10,713,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	244,000				244,000				105,000
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	277,000				277,000				0
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	521,000				521,000				105,000
Unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income [Member] | Alt A [Member]
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	19		16		19		16		19
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	153,632,000		153,012,000		153,632,000		153,012,000		172,153,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	153,632,000		153,012,000		153,632,000		153,012,000		172,153,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	29,117,000		52,219,000		29,117,000		52,219,000		33,305,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	29,117,000		52,219,000		29,117,000		52,219,000		33,305,000
Unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income [Member] | Jumbo A Loans [Member]
Available-for-Sale Securities, Temporarily Impaired Securities [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Number of Securities	21		25		21		25		25
Available-for-Sale Securities, Temporarily impaired Securities, Fair Value[Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12, Fair Value	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Fair Value	138,205,000		160,872,000		138,205,000		160,872,000		166,401,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Fair Value	138,205,000		160,872,000		138,205,000		160,872,000		166,401,000
Available-for-Sale Securities, Temporarily impaired Securities, Unrealized Loss [Abstract]
Available-for-Sale Securities, Temporarily impaired Securities, Less Than 12,Unrealized Loss	0		0		0		0		0
Available-for-Sale Securities, Temporarily impaired Securities, 12 Months or longer, Unrealized Loss	27,470,000		34,259,000		27,470,000		34,259,000		23,419,000
Available-for-Sale Securities, Temporarily impaired Securities, Total, Unrealized Loss	27,470,000		34,259,000		27,470,000		34,259,000		23,419,000
Municipal And Other Tax Exempt Securities [Member]
Trading Securities [Abstract]
Amortized Cost	160,870,000		221,702,000		160,870,000		221,702,000		184,898,000
Investments securities, fair value	165,449,000		227,301,000		165,449,000		227,301,000		188,577,000
Not Recognized in OCI Gross Unrealized Gain	4,583,000	[1]	5,640,000	[1]	4,583,000	[1]	5,640,000	[1]	3,912,000	[1]
Not Recognized in OCI Gross Unrealized Loss	(4,000)	[1]	(41,000)	[1]	(4,000)	[1]	(41,000)	[1]	(233,000)	[1]
Held-to-Maturity,Amortized Cost [Abstract]
Held-to-Maturity,Amortized Cost,Less Than One Year	49,599,000				49,599,000
Held-to-Maturity,Amortized Cost,One to Five Years	81,448,000				81,448,000
Held-to-Maturity,Amortized Cost,Six to Ten Years	24,506,000				24,506,000
Held-to-Maturity,Amortized Cost,Over Ten Year	5,317,000				5,317,000
Held-to-Maturity,Amortized Cost,Total	160,870,000		221,702,000		160,870,000		221,702,000		184,898,000
Held-to-Maturity,Amortized Cost,Weighted Average Maturity (in years)	2.82	[2]			2.82	[2]
Held-to-Maturity,Fair Value [Abstract]
Held-to-Maturity,Fair Value,Less Than One Year	49,937,000				49,937,000
Held-to-Maturity,Fair Value,One to Five Years	84,499,000				84,499,000
Held-to-Maturity,Fair Value,Six to Ten Years	25,547,000				25,547,000
Held-to-Maturity,Fair Value,Over Ten Year	5,466,000				5,466,000
Held-to-Maturity,Fair Value,Total	165,449,000		227,301,000		165,449,000		227,301,000		188,577,000
Held-to-Maturity,Nominal Yield (in hundredths) [Abstract]
Held-to-Maturity,Less Than One Year,Nominal Yield (in hundredths)					4.64	[3]
Held-to-Maturity,One to Five Years,Nominal Yield (in hundredths)					4.66	[3]
Held-to-Maturity,Six to Ten Years,Nominal Yield (in hundredths)					5.58	[3]
Held-to-Maturity,Over Ten Year,Nominal Yield (in hundredths)					6.22	[3]
Held-to-Maturity,Nominal Yield (in hundredths)					4.84	[3]
Effective tax rate					39.00%
Other Debt Obligations [Member]
Trading Securities [Abstract]
Amortized Cost	188,713,000		131,575,000		188,713,000		131,575,000		154,655,000
Investments securities, fair value	203,798,000		136,585,000		203,798,000		136,585,000		157,528,000
Not Recognized in OCI Gross Unrealized Gain	15,085,000	[1]	5,245,000	[1]	15,085,000	[1]	5,245,000	[1]	4,505,000	[1]
Not Recognized in OCI Gross Unrealized Loss	0	[1]	(235,000)	[1]	0	[1]	(235,000)	[1]	(1,632,000)	[1]
Held-to-Maturity,Amortized Cost [Abstract]
Held-to-Maturity,Amortized Cost,Less Than One Year	7,729,000				7,729,000
Held-to-Maturity,Amortized Cost,One to Five Years	29,513,000				29,513,000
Held-to-Maturity,Amortized Cost,Six to Ten Years	34,784,000				34,784,000
Held-to-Maturity,Amortized Cost,Over Ten Year	116,687,000				116,687,000
Held-to-Maturity,Amortized Cost,Total	188,713,000		131,575,000		188,713,000		131,575,000		154,655,000
Held-to-Maturity,Amortized Cost,Weighted Average Maturity (in years)	10.50	[2]			10.50	[2]
Held-to-Maturity,Fair Value [Abstract]
Held-to-Maturity,Fair Value,Less Than One Year	7,764,000				7,764,000
Held-to-Maturity,Fair Value,One to Five Years	30,203,000				30,203,000
Held-to-Maturity,Fair Value,Six to Ten Years	36,286,000				36,286,000
Held-to-Maturity,Fair Value,Over Ten Year	129,545,000				129,545,000
Held-to-Maturity,Fair Value,Total	203,798,000		136,585,000		203,798,000		136,585,000		157,528,000
Held-to-Maturity,Nominal Yield (in hundredths) [Abstract]
Held-to-Maturity,Less Than One Year,Nominal Yield (in hundredths)					4.52
Held-to-Maturity,One to Five Years,Nominal Yield (in hundredths)					5.44
Held-to-Maturity,Six to Ten Years,Nominal Yield (in hundredths)					5.58
Held-to-Maturity,Over Ten Year,Nominal Yield (in hundredths)					6.20
Held-to-Maturity,Nominal Yield (in hundredths)					5.90
Municipal And Other Tax-Exempt And Other Debt Securities [Member]
Available-for-Sale Securities, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	77,106,000				77,106,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year	1,745,000				1,745,000
Available-for-Sale Securities, Debt Maturities, One to Five Years	6,941,000				6,941,000
Available-for-Sale Securities, Debt Maturities, Six to Ten Years	12,575,000				12,575,000
Available-for-Sale Securities, Debt Maturities, Over Ten Years	54,142,000				54,142,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis	75,403,000				75,403,000
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One Year, Fair Value	1,755,000				1,755,000
Available-for-Sale Securities, Debt Maturities, One to Five YearsFair Value	8,077,000				8,077,000
Available-for-Sale Securities, Debt Maturities, Six to Ten YearsFair Value	13,678,000				13,678,000
Available-for-Sale Securities, Debt Maturities, Over Ten YearsFair Value	53,596,000				53,596,000
Available-for-Sale Securities	77,106,000				77,106,000
Available-for-Sale Securities, Debt Maturities, Amortized Cost Basis Weighted Average Maturity	20.51				20.51
Available-for-Sale Securities, Debt Maturities, Nominal Yield[Abstract]
Available-for-Sale Securities, Debt Maturities, Less Than One YearNominal Yield					3.3
Available-for-Sale Securities, Debt Maturities, One to Five Years Nominal Yield					3.67
Available-for-Sale Securities, Debt Maturities, Six to Ten Years Nominal Yield					4.08
Available-for-Sale Securities, Debt Maturities, Over Ten Years Nominal Yield					1.03
Available-for-Sale Securities, Debt Maturities, Nominal Yield					1.84
Available-for-Sale Securities, Portfolio Concentration Ratings, Fair Value [Abstract]
Available-for-Sale Securities, Fair Value	77,106,000				77,106,000
Loan To Value Below 70 Percent [Member]
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	5				5
Amortized Cost	28,550,000				28,550,000
Fair Value	26,598,000				26,598,000
Credit losses Recognized [Abstract]
Number of Securites in Current Period	0
Amount of Credit Losses Recognized in Currrent Period	0
Number of Securites in Life-to-Date	0				0
Amount of Credit Losses Recognized in Life-to-Date	0
Loan To Value From 70 To 75 Percent [Member]
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	0				0
Amortized Cost	0				0
Fair Value	0				0
Credit losses Recognized [Abstract]
Number of Securites in Current Period	0
Amount of Credit Losses Recognized in Currrent Period	0
Number of Securites in Life-to-Date	0				0
Amount of Credit Losses Recognized in Life-to-Date	0
Loan To Value From 75 To 80 Percent [Member]
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	3				3
Amortized Cost	38,159,000				38,159,000
Fair Value	35,453,000				35,453,000
Credit losses Recognized [Abstract]
Number of Securites in Current Period	0
Amount of Credit Losses Recognized in Currrent Period	0
Number of Securites in Life-to-Date	0				0
Amount of Credit Losses Recognized in Life-to-Date	0
Loan To Value From 80 To 85 [Member]
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	2				2
Amortized Cost	29,636,000				29,636,000
Fair Value	26,927,000				26,927,000
Credit losses Recognized [Abstract]
Number of Securites in Current Period	1
Amount of Credit Losses Recognized in Currrent Period	255,000
Number of Securites in Life-to-Date	1				1
Amount of Credit Losses Recognized in Life-to-Date	3,603,000
Loan To Value Equal To Or Greater Than 85 Percent [Member]
Distribution of Amortized Cost and Fair Value For Below Investment Grade Residential Mortgage-Backed Securities [Abstract]
Number of Securities	50				50
Amortized Cost	373,051,000				373,051,000
Fair Value	318,343,000				318,343,000
Credit losses Recognized [Abstract]
Number of Securites in Current Period	33
Amount of Credit Losses Recognized in Currrent Period	4,048,000
Number of Securites in Life-to-Date	43				43
Amount of Credit Losses Recognized in Life-to-Date	$ 56,904,000

[1] Other Comprehensive income

[2] Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

[3] Calculated on a taxable equivalent basis using a 39% effective tax rate

XML



Fair Value Measurements, Measured On Recurring Basis Significant Unobservable Inputs (Details) (USD $) In Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Available-for-sale Securities [Member] | Municipal And Other Tax Exempt Securities [Member]
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]
Balance at beginning of period	$ 43,767	$ 38,004	$ 47,093	$ 36,598
Purchases, sales, issuances and settlements, net		1,775		4,133
Purchases and capital calls	0		7,520
Redemptions and distributions	0		(9,975)
Brokerage and trading revenue		(11)	(576)	(80)
Gain on other assets, net	0	0	0	0
Gain on securities, net		0	18	0
Other-than-temporary impairment losses	(521)		(521)
Other comprehensive gain (loss)	412	58	99	(825)
Balance at end of period	43,658	39,826	43,658	39,826
Available-for-sale Securities [Member] | Other Debt Obligations [Member]
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]
Balance at beginning of period	5,899	17,150	6,400	17,116
Purchases, sales, issuances and settlements, net		(4,250)		(4,200)
Purchases and capital calls	0		0
Redemptions and distributions	0		(500)
Brokerage and trading revenue		0	0	0
Gain on other assets, net	0	0	0	0
Gain on securities, net		0	0	0
Other-than-temporary impairment losses	0		0
Other comprehensive gain (loss)	(6)	135	(7)	119
Balance at end of period	5,893	13,035	5,893	13,035
Other Assets [Member] | Private Equity Funds [Member]
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]
Balance at beginning of period	25,046	22,825	25,436	22,917
Purchases, sales, issuances and settlements, net		663		1
Purchases and capital calls	746		1,652
Redemptions and distributions	(783)		(2,185)
Brokerage and trading revenue		0	0	0
Gain on other assets, net	3,304	346	3,410	916
Gain on securities, net		0	0	0
Other-than-temporary impairment losses	0		0
Other comprehensive gain (loss)	0	0	0	0
Balance at end of period	28,313	23,834	28,313	23,834
Trading Securities [Member]
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]
Balance at beginning of period				9,800
Purchases, sales, issuances and settlements, net				(9,800)
Brokerage and trading revenue				0
Gain on other assets, net				0
Gain on securities, net				0
Other comprehensive gain (loss)				0
Balance at end of period		$ 0		$ 0

XML



Loans

6 Months Ended

Jun. 30, 2011

Loans [Abstract]

Loans

(4) Loans

Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower.  BOK Financial is exposed to risk of loss on loans due to the borrower's difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures.

Performing loans may be renewed under then current collateral value, debt service ratio and other underwriting standards.   Nonperforming loans may be renewed and will remain on nonaccrual status.  Nonperforming loans renewed will be evaluated and may be charged off if the loan balance is no longer covered by the paying capacity of the borrower based on an evaluation of available cash resources and collateral value.

Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccrual status when, in the opinion of management, full collection of principal or interest is uncertain. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccrual status. Payments on nonaccrual loans are applied to principal or reported as interest income, according to management's judgment as to the collectability of principal.  Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower's financial condition or a sustained period of performance.

Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable.

Certain residential mortgage loans originated by the Company are held for sale.  All residential mortgage loans originated for sale are carried at fair value based on sales commitments or market quotes. Changes in fair value are recorded in other operating revenue – mortgage banking revenue.

Significant components of the loan portfolio are as follows (in thousands):

	June 30, 2011								December 31, 2010
	Fixed		Variable						Fixed		Variable
	Rate		Rate		Nonaccrual		Total		Rate		Rate		Nonaccrual		Total
Commercial	$	2,830,388	$	3,294,843	$	53,365	$	6,178,596	$	2,883,905	$	3,011,636	$	38,455	$	5,933,996
Commercial real estate		872,696		1,200,656		110,363		2,183,715		829,836		1,297,148		150,366		2,277,350
Residential mortgage		920,063		916,241		31,693		1,867,997		851,048		939,774		37,426		1,828,248
Consumer		292,385		210,102		4,749		507,236		369,364		229,511		4,567		603,442
Total	$	4,915,532	$	5,621,842	$	200,170	$	10,737,544	$	4,934,153	$	5,478,069	$	230,814	$	10,643,036
Accruing loans past due (90 days)1							$	2,341							$	7,966

1   Excludes residential mortgage loans guaranteed by agencies of the U.S. government

At June 30, 2011, approximately $4.8 billion or 45% of the total loan portfolio is to businesses and individuals in Oklahoma and $3.1 billion or 29% of our total loan portfolio is to businesses and individuals in Texas.  This geographic concentration subjects the loan portfolio to the general economic conditions within this area.

Commercial loans represent loans for working capital, facilities acquisition or expansion, purchases of equipment and other needs of commercial customers primarily located within our geographical footprint.  Commercial loans are underwritten individually and represent on-going relationships based on a thorough knowledge of the customer, the customer's industry and market.  While commercial loans are generally secured by the customer's assets including real property, inventory, accounts receivable, operating equipment, interest in mineral rights and other property and may also include personal guarantees of the owners and related parties, the primary source of repayment of the loans is the on-going cash flow from operations of the customer's business.  Inherent lending risk is centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with commercial lending policies.

At June 30, 2011, loans to service-related businesses totaled $1.7 billion or 16% of total loans.   Approximately $1.0 billion of loans in the services category consists of loans with individual balances of less than $10 million.  Loans to energy-related businesses within the commercial loan classification totaled $1.7 billion or 16% of total loans.  Other loan classes include wholesale / retail, $1.1 billion; healthcare, $869 million; manufacturing, $367 million; other commercial and industrial, $282 million and integrated food services, $196 million.  Approximately $2.6 billion or 42% of the commercial portfolio are to businesses in Oklahoma and $2.0 billion or 32% of our commercial loan portfolio are to businesses in Texas.

Commercial real estate loans are for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes primarily within our geographical footprint.  We require collateral values in excess of the loan amounts, demonstrated cash flows in excess of expected debt service requirements, equity investment in the project and a portion of the project already sold, leased or permanent financing already secured.  The expected cash flows from all significant new or renewed income producing property commitments are stress tested to reflect the risks in varying interest rates, vacancy rates and rental rates.  As with commercial loans, inherent lending risks are centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with applicable lending policies.

Approximately 28% of commercial real estate loans are secured by properties located in Oklahoma, primarily in the Tulsa and Oklahoma City metropolitan areas. An additional 33% of commercial real estate loans are secured by property located in Texas, primarily in the Dallas and Houston areas. The major components of commercial real estate loans are office buildings, $482 million; retail facilities, $439 million; other real estate loans, $398 million; construction and land development, $367 million; multifamily residences, $336 million and industrial, $162 million.

Residential mortgage loans provide funds for our customers to purchase or refinance their primary residence or to borrow against the equity in their home. Residential mortgage loans are secured by a first or second-mortgage on the customer's primary residence.  Consumer loans include direct loans secured by and for the purchase of automobiles, recreational and marine equipment as well as other unsecured loans.  Consumer loans also include indirect automobile loans made through primary dealers.  Residential mortgage and consumer loans are made in accordance with underwriting policies we believe to be conservative and are fully documented.  Credit scoring is assessed based on significant credit characteristics including credit history, residential and employment stability.  Residential mortgage loans retained in the Company's portfolio are primarily composed of various mortgage programs to support customer relationships including jumbo mortgage loans, non-builder construction loans and special loan programs for high net worth individuals and certain professionals.  Jumbo loans may be fixed or variable rate and are fully amortizing.  Jumbo loans generally conform to government sponsored entity standards, with exception that the loan size exceeds maximums required under these standards.  These loans generally require a minimum FICO score of 720 and a maximum debt-to-income ratio (“DTI”) of 38%.  Loan-to-value (“LTV”) ratios are tiered from 60% to 100%, depending on the market.  Special mortgage programs include fixed and variable fully amortizing loans tailored to the needs of certain healthcare professionals.  Variable rate loans are fully indexed at origination and may have fixed rates for three to ten years, then adjust annually thereafter.

At both June 30, 2011 and December 31, 2010, residential mortgage loans included $22 million, respectively, of loans with repayment terms that have been modified from the original contracts.  Interest accrues based on the modified terms of the loan.   If it becomes probable that we will not be able to collect all amounts due according to the modified loan terms, the loan is placed on nonaccrual status and included in nonaccrual loans.  At both June 30, 2011, and December 31, 2010, restructured residential mortgage included $19 million of loans guaranteed by agencies of the U.S. government.  At June 30, 2010, $10 million of renegotiated loans were 90 days or more past due and still accruing interest because they are guaranteed by U.S. government agencies.  Renegotiated loans guaranteed by U.S. government agencies may be sold once they become eligible according to U.S. agency guidelines.

At June 30, 2011 and December 31, 2010, residential mortgage loans included $109 million and $48 million, respectively, of loans guaranteed by U.S. government agencies previously sold into GNMA mortgage pools.  The Company may repurchase these loans when certain defined delinquency criteria are met.  Because of this repurchase right, the Company is deemed to have regained effective control over these loans and must include them on the Consolidated Balance Sheet.

Credit Commitments

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At June 30, 2011, outstanding commitments totaled $5.5 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans.

The amount of collateral obtained, if deemed necessary, is based upon management's credit evaluation of the borrower.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At June 30, 2011, outstanding standby letters of credit totaled $510 million.  Commercial letters of credit are used to facilitate customer trade transactions with the drafts being drawn when the underlying transaction is consummated. At June 30, 2011, outstanding commercial letters of credit totaled $7 million.

Allowances for Credit Losses

BOK Financial maintains separate allowances for loan losses and for off-balance sheet credit risk related to commitments to extend credit and standby letters of credit.  As discussed in greater detail in Note 5, the Company also has separate allowances related to off-balance sheet credit risk related to residential mortgage loans sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representation and warranties.

The allowance for loan losses is assessed by management on a quarterly basis and consists of specific amounts attributed to certain impaired loans, general allowances based on migration factors for unimpaired loans and non-specific allowances based on general economic conditions, risk concentration and related factors.  Impairment is individually measured for certain impaired loans and collectively measured for all other loans.  There have been no material changes in the approach or techniques utilized in developing the allowances for loan losses and off-balance sheet credit losses.

Internally risk graded loans are evaluated individually for impairment.  Non-risk graded loans are collectively evaluated for impairment through past-due status and other relevant factors.  Substantially all commercial and commercial real estate loans are risk graded.  Certain residential mortgage and consumer loans are also risk graded.  Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded.  Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements.  This is substantially the same criteria used to determine when a loan should be placed on nonaccrual status.  Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans' initial effective interest rate or the fair value of collateral for certain collateral dependent loans.  Historical statistics may be used in limited situation to assist in estimating future cash flows or collateral values, such as when an impaired collateral dependent loan is identified at the end of a reporting period.  Historical statistics are a practical way to estimate impairment until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed.  Estimates of future cash flows and collateral value require significant judgments and are subject to volatility.

General allowances for unimpaired loans are based on migration models.  Separate migration models are used to determine general allowances for commercial and commercial real estate loans, residential mortgage loans and consumer loans.  All commercial and commercial real estate loans are risk-graded based on an evaluation of the borrowers' ability to repay.  Risk grades are updated quarterly.  Migration factors are determined for each risk grade to determine the inherent loss based on historical trends.  An eight-quarter aggregate accumulation of net losses is used as a basis for the migration factors.  Losses incurred in more recent periods are more heavily weighted by a sum-of-periods-digits formula.  The higher of the current loss factors based on migration trends or a minimum migration factor based upon long-term history is assigned to each risk grade.  The resulting general allowances may be adjusted upward or downward by management to account for the limitations in migration models which are based entirely on historical data, such as their limited accuracy at the beginning and ending of credit cycles.

The general allowance for residential mortgage loans is based on an eight-quarter average percent of loss.  The general allowance for consumer loans is based on an eight-quarter average percent loss with separate migration factors determined by major product line, such as indirect automobile loans and direct consumer loans.

Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or identified by the migration models.  These factors include trends in the economy in our primary lending areas, conditions in certain industries where we have a concentration and overall growth in the loan portfolio.  Evaluation of nonspecific factors considers the effect of the duration of the business cycle on migration factors and also considers current economic conditions and other factors.

A provision for credit losses is charged against earnings in amounts necessary to maintain appropriate allowances for loan and off-balance sheet credit losses. Loans are charged off when the loan balance or a portion of the loan balance is no longer covered by the paying capacity of the borrower based on an evaluation of available cash resources and collateral value. Loans are evaluated quarterly and charge-offs are taken in the quarter in which the loss is identified. Additionally, all unsecured or under-secured residential mortgage and consumer loans that are past due 180 days are charged off. Recoveries of loans previously charged off are added to the allowance.

Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs.  Appraised values are on an “as-is” basis and are not adjusted by the Company.  Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions.  The value of other collateral is generally determined by our special assets staff based on projected liquidation cash flows under current market conditions.  Collateral values and available cash resources that support impaired loans are evaluated quarterly.  Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined.

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2011 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,125,434	$	111,131	$	53,162	$	2,440	$	6,178,596	$	113,571
Commercial real estate		2,073,352		88,611		110,363		3,139		2,183,715		91,750
Residential mortgage		1,857,112		44,254		10,885		989		1,867,997		45,243
Consumer		505,315		8,807		1,921		115		507,236		8,922
Total		10,561,213		252,803		176,331		6,683		10,737,544	$	259,486
Nonspecific allowance		–		–		–		–		–		27,125
Total	$	10,561,213	$	252,803	$	176,331	$	6,683	$	10,737,544	$	286,611

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2010 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	5,895,674	$	102,565	$	38,322	$	2,066	$	5,933,996	$	104,631
Commercial real estate		2,126,984		94,502		150,366		4,207		2,277,350		98,709
Residential mortgage		1,816,184		49,500		12,064		781		1,828,248		50,281
Consumer		601,691		12,536		1,751		78		603,442		12,614
Total		10,440,533		259,103		202,503		7,132		10,643,036		266,235
Nonspecific allowance		–		–		–		–		–		26,736
Total	$	10,440,533	$	259,103	$	202,503	$	7,132	$	10,643,036	$	292,971

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended June 30, 2011 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific allowance		Total
Allowance for loans losses:
Beginning balance	$	113,706		$	94,535		$	45,649		$	10,410		$	25,249	$	289,549
Provision for loan losses		980			289			2,721			(286	)		1,876		5,580
Loans charged off		(3,302	)		(3,380	)		(3.381	)		(2,711	)		–		(12,774	)
Recoveries		2,187			306			254			1,509			–		4,256
Ending balance	$	113,571		$	91,750		$	45,243		$	8,922		$	27,125	$	286,611
Allowance for off-balance sheet credit losses:
Beginning balance	$	12,256		$	875		$	155		$	339		$	–	$	13,625
Provision for off-balance sheet credit losses		(3,020	)		145			25			(30	)		–		(2,880	)
Ending balance	$	9,236		$	1,020		$	180		$	309		$	–	$	10,745
Total provision for credit losses	$	(2,040	)	$	434		$	2,746		$	(316	)	$	1,876	$	2,700

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the six months ended June 30, 2011 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific allowance		Total
Allowance for loans losses:
Beginning balance	$	104,631		$	98,709		$	50,281		$	12,614		$	26,736	$	292,971
Provision for loan losses		10,836			2,665			(45	)		(1,369	)		389		12,476
Loans charged off		(5,654	)		(10,273	)		(6,329	)		(5,750	)		–		(28,006	)
Recoveries		3,758			649			1,336			3,427			–		9,170
Ending balance	$	113,571		$	91,750		$	45,243		$	8,922		$	27,125	$	286,611
Allowance for off-balance sheet credit losses:
Beginning balance	$	13,456		$	443		$	131		$	241		$	–	$	14,271
Provision for off-balance sheet credit losses		(4,220	)		577			49			68			–		(3,526	)
Ending balance	$	9,236		$	1,020		$	180		$	309		$	–	$	10,745
Total provision for credit losses	$	6,616		$	3,242		$	4		$	(1,301	)	$	389	$	8,950

Credit Quality Indicators

The Company utilizes risk grading as a primary credit quality indicator.  Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on a quarterly evaluation of the borrowers' ability to repay the loans.  Certain commercial loans and most residential mortgage and consumer loans are small, homogeneous pools that are not risk graded.  These loans are collectively evaluated for impairment primarily through past due status.

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2011 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,159,735	$	111,392	$	18,861	$	2,179	$	6,178,596	$	113,571
Commercial real estate		2,183,715		91,750		–		–		2,183,715		91,750
Residential mortgage		350,986		7,911		1,517,011		37,332		1,867,997		45,243
Consumer		220,222		1,877		287,014		7,045		507,236		8,922
Total		8,914,658		212,930		1,822,886		46,556		10,737,544		259,486
Nonspecific allowance		–		–		–		–		–		27,125
Total	$	8,914,658	$	212,930	$	1,822,886	$	46,556	$	10,737,544	$	286,611

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2010 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	5,914,178	$	102,259	$	19,818	$	2,372	$	5,933,996	$	104,631
Commercial real estate		2,277,350		98,709		–		–		2,277,350		98,709
Residential mortgage		451,874		8,356		1,376,374		41,925		1,828,248		50,281
Consumer		246,350		1,881		357,092		10,733		603,442		12,614
Total		8,889,752		211,205		1,753,284		55,030		10,643,036		266,235
Nonspecific allowance		–		–		–		–		–		26,736
Total	$	8,889,752	$	211,205	$	1,753,284	$	55,030	$	10,643,036	$	292,971

Loans are considered to be performing if they are in compliance with the original terms of the agreement which is consistent with the regulatory guideline of “pass.”  Performing also includes loans considered to be “other loans especially mentioned” by regulatory guideline.  Other loans especially mentioned are in compliance with the original terms of the agreement but may have a weakness that deserves management's close attention.  Performing loans also include past due residential mortgages that are guaranteed by agencies of the U.S. government.

The risk grading process identified certain criticized loans as potential problem loans.  These loans have a well-defined weakness (e.g. inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower.  This is consistent with the regulatory guideline for “substandard.”  Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans were not placed in nonaccrual status.  Known information does, however, cause concern as to the borrowers' continued compliance with current repayment terms.  Nonaccrual loans represent loans for which full collection of principal and interest is uncertain.  This is substantially the same criteria used to determine whether a loan is impaired and includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines.

The following table summarizes the Company's loan portfolio at June 30, 2011 by the risk grade categories (in thousands):

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	1,677,809	$	4,688	$	345	$	–	$	–	$	1,682,842
Services		1,663,313		33,490		16,254		–		–		1,713,057
Wholesale/retail		1,002,113		40,935		25,138		–		–		1,068,186
Manufacturing		359,958		2,827		4,366		–		–		367,151
Healthcare		860,354		2,992		5,962		–		–		869,308
Integrated food services		194,514		1,260		–		–		–		195,774
Other commercial and industrial		258,910		3,410		1,097		18,658		203		282,278
Total commercial		6,016,971		89,602		53,162		18,658		203		6,178,596
Commercial real estate:
Construction and land development		275,077		15,750		76,265		–		–		367,092
Retail		426,839		7,013		4,642		–		–		438,494
Office		456,281		14,751		11,473		–		–		482,505
Multifamily		325,085		5,860		4,717		–		–		335,662
Industrial		161,879		288		–		–		–		162,167
Other commercial real estate		363,491		21,038		13,266		–		–		397,795
Total commercial real estate		2,008,652		64,700		110,363		–		–		2,183,715
Residential mortgage:
Permanent mortgage		326,349		13,752		10,885		783,084		17,106		1,151,176
Permanent mortgages guaranteed by U.S. government agencies		–		–		–		134,458		–		134,458
Home equity		–		–		–		578,661		3,702		582,363
Total residential mortgage		326,349		13,752		10,885		1,496,203		20,808		1,867,997
Consumer:
Indirect automobile		–		–		–		159,771		2,729		162,500
Other consumer		215,056		3,245		1,921		124,415		99		344,736
Total consumer		215,056		3,245		1,921		284,186		2,828		507,236
Total	$	8,567,028	$	171,299	$	176,331	$	1,799,047	$	23,839	$	10,737,544

The following table summarizes the Company's loan portfolio at December 31, 2010 by the risk grade categories (in thousands):

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	1,704,401	$	6,543	$	465	$	–	$	–	$	1,711,409
Services		1,531,239		30,420		19,262		–		–		1,580,921
Wholesale/retail		956,397		45,363		8,486		–		–		1,010,246
Manufacturing		319,075		4,000		2,116		–		–		325,191
Healthcare		801,525		4,566		3,534		–		–		809,625
Integrated food services		202,885		1,385		13		–		–		204,283
Other commercial and industrial		267,949		108		4,446		19,685		133		292,321
Total commercial		5,783,471		92,385		38,322		19,685		133		5,933,996
Commercial real estate:
Construction and land development		326,769		21,516		99,579		–		–		447,864
Retail		395,094		5,468		4,978		–		–		405,540
Office		420,899		16,897		19,654		–		–		457,450
Multifamily		355,733		6,784		6,725		–		–		369,242
Industrial		177,712		294		4,087		–		–		182,093
Other commercial real estate		390,969		8,849		15,343		–		–		415,161
Total commercial real estate		2,067,176		59,808		150,366		–		–		2,277,350
Residential mortgage:
Permanent mortgage		420,407		19,403		12,064		730,638		20,047		1,202,559
Permanent mortgages guaranteed by U.S. government agencies		–		–		–		72,385		–		72,385
Home equity		–		–		–		547,989		5,315		553,304
Total residential mortgage		420,407		19,403		12,064		1,351,012		25,362		1,828,248
Consumer:
Indirect automobile		–		–		–		237,050		2,526		239,576
Other consumer		240,243		4,356		1,751		117,226		290		363,866
Total consumer		240,243		4,356		1,751		354,276		2,816		603,442
Total	$	8,511,297	$	175,952	$	202,503	$	1,724,973	$	28,311	$	10,643,036

Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement.

A summary of risk-graded impaired loans follows (in thousands):

	As of June 30, 2011										For the three months				For the six months
			Recorded Investment								ended June 30, 2011				ended June 30, 2011
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	345	$	345	$	345	$	–	$	–	$	380	$	–	$	405	$	–
Services		26,441		16,254		15,525		729		273		15,987		–		17,758		–
Wholesale/retail		31,770		25,138		22,751		2,387		1,742		27,775		–		16,812		–
Manufacturing		9,259		4,366		2,012		2,354		259		4,456		–		3,241		–
Healthcare		7,659		5,962		5,103		859		166		4,268		–		4,748		–
Integrated food services		–		–		–		–		–		3		–		7		–
Other commercial and industrial		8,596		1,097		1,097		–		–		2,363		–		2,772		–
Total commercial		84,070		53,162		46,833		6,329		2,440		55,232		–		45,743		–
Commercial real estate:
Construction and land development		115,337		76,265		65,094		11,171		1,966		83,486		–		87,922		–
Retail		5,652		4,642		1,855		2,787		612		4,959		–		4,810		–
Office		14,749		11,473		9,713		1,760		207		13,051		–		15,564		–
Multifamily		5,381		4,717		4,717		–		–		3,309		–		5,721		–
Industrial		–		–		–		–		–		–		–		2,044		–
Other real estate loans		15,203		13,266		11,755		1,511		354		13,130		–		14,305		–
Total commercial real estate		156,322		110,363		93,134		17,229		3,139		117,935		–		130,366		–
Residential mortgage:
Permanent mortgage		12,122		10,885		5,016		5,869		989		11,479		–		11,475		–
Home equity		–		–		–		–		–		–		–		–		–
Total residential mortgage		12,122		10,885		5,016		5,869		989		11,479		–		11,475		–
Consumer:
Indirect automobile		–		–		–		–		–		–		–		–		–
Other consumer		2,449		1,921		1,348		573		115		2,244		–		1,836		–
Total consumer		2,449		1,921		1,348		573		115		2,244		–		1,836		–
Total	$	254,963	$	176,331	$	146,331	$	30,000	$	6,683	$	186,890	$	–	$	189,420	$	–

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, have been recovered.

A summary of risk-graded impaired loans at December 31, 2010 follows (in thousands):

			Recorded Investment
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Energy	$	559	$	465	$	404	$	61	$	60
Services		28,579		19,262		15,985		3,277		1,227
Wholesale/retail		14,717		8,486		7,562		924		684
Manufacturing		5,811		2,116		2,116		–		–
Healthcare		4,701		3,534		2,743		791		95
Integrated food services		172		13		13		–		–
Other commercial and industrial		13,007		4,446		4,446		–		–
Total commercial		67,546		38,322		33,269		5,053		2,066
Commercial real estate:
Construction and land development		138,922		99,579		84,959		14,620		2,428
Retail		6,111		4,978		1,968		3,010		514
Office		25,702		19,654		18,798		856		106
Multifamily		24,368		6,725		6,129		596		115
Industrial		4,087		4,087		–		4,087		723
Other real estate loans		17,129		15,343		13,802		1,541		321
Total commercial real estate		216,319		150,366		125,656		24,710		4,207
Residential mortgage:
Permanent mortgage		15,258		12,064		8,574		3,490		781
Home equity		–		–		–		–		–
Total residential mortgage		15,258		12,064		8,574		3,490		781
Consumer:
Indirect automobile		–		–		–		–		–
Other consumer		1,909		1,751		1,506		245		78
Total consumer		1,909		1,751		1,506		245		78
Total	$	301,032	$	202,503	$	169,005	$	33,498	$	7,132

Investments in impaired loans were as follows (in thousands):

	June 30,  2011		Dec. 31, 2010		June 30, 2010
Investment in impaired loans	$	176,331	$	202,503	$	292,679
Impaired loans with specific allowance for loss		30,000		33,498		97,897
Specific allowance balance		6,683		7,132		19,578
Impaired loans with no specific allowance for loss		146,331		169,005		194,782
Average recorded investment in impaired loans		186,890		262,368		319,655

Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans 30 to 89 days past due and accruing, loans 90 days or more past due and accruing and nonaccrual loans as of June 30, 2011 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	1,682,344	$	153	$	–	$	345	$	1,682,842
Services		1,691,451		3,759		1,593		16,254		1,713,057
Wholesale/retail		1,041,864		697		487		25,138		1,068,186
Manufacturing		362,785		–		–		4,366		367,151
Healthcare		863,169		177		–		5,962		869,308
Integrated food services		195,774		–		–		–		195,774
Other commercial and industrial		280,729		192		57		1,300		282,278
Total commercial		6,118,116		4,978		2,137		53,365		6,178,596
Commercial real estate:
Construction and land development		288,494		2,333		–		76,265		367,092
Retail		430,941		2,911		–		4,642		438,494
Office		468,712		2,320		–		11,473		482,505
Multifamily		330,945		–		–		4,717		335,662
Industrial		161,783		384		–		–		162,167
Other real estate loans		381,961		2,393		175		13,266		397,795
Total commercial real estate		2,062,836		10,341		175		110,363		2,183,715
Residential mortgage:
Permanent mortgage		1,104,450		18,735		–		27,991		1,151,176
Permanent mortgages guaranteed by U.S. government agencies		8,426		3,728		122,304		–		134,458
Home equity		576,203		2,450		8		3,702		582,363
Total residential mortgage		1,689,079		24,913		122,312		31,693		1,867,997
Consumer:
Indirect automobile		152,496		7,256		19		2,729		162,500
Other consumer		341,683		1,031		2		2,020		344,736
Total consumer		494,179		8,287		21		4,749		507,236
Total	$	10,364,210	$	48,519	$	124,645	$	200,170	$	10,737,544

A summary of loans currently performing, loans 30 to 89 days past due and accruing, loans 90 days or more past due and accruing and nonaccrual loans as of December 31, 2010 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	1,707,466	$	507	$	2,971	$	465	$	1,711,409
Services		1,558,120		3,196		343		19,262		1,580,921
Wholesale/retail		1,001,422		315		23		8,486		1,010,246
Manufacturing		321,102		168		1,805		2,116		325,191
Healthcare		805,124		75		892		3,534		809,625
Integrated food services		204,199		71		–		13		204,283
Other commercial and industrial		287,357		111		274		4,579		292,321
Total commercial		5,884,790		4,443		6,308		38,455		5,933,996
Commercial real estate:
Construction and land development		344,016		3,170		1,099		99,579		447,864
Retail		394,445		6,117		–		4,978		405,540
Office		437,496		300		–		19,654		457,450
Multifamily		362,517		–		–		6,725		369,242
Industrial		177,660		346		–		4,087		182,093
Other real estate loans		395,320		4,301		197		15,343		415,161
Total commercial real estate		2,111,454		14,234		1,296		150,366		2,277,350
Residential mortgage:
Permanent mortgage		1,148,271		22,177		–		32,111		1,202,559
Permanent mortgages guaranteed by U.S. government agencies		10,451		4,342		57,592		–		72,385
Home equity		546,384		1,605		–		5,315		553,304
Total residential mortgage		1,705,106		28,124		57,592		37,426		1,828,248
Consumer:
Indirect automobile		225,601		11,382		67		2,526		239,576
Other consumer		360,603		927		295		2,041		363,866
Total consumer		586,204		12,309		362		4,567		603,442
Total	$	10,287,554	$	59,110	$	65,558	$	230,814	$	10,643,036

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Mortgage Banking Activities, Loan Servicing Portfolio (Details) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2011		Mar. 31, 2011	Dec. 31, 2010	Jun. 30, 2010	Mar. 31, 2010	Dec. 31, 2009
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Fair value	$ 109,192		$ 120,345	$ 115,723	$ 98,942	$ 119,066	$ 73,824
Outstanding principal of loans serviced	11,283,442	[1]
Weighted average prepayment rate (in hundredths)	15.67%	[2]
Loan Receivable Aging [Abstract]
Current	10,791,782
30 to 59 Days	208,804
60 to 89 Days	57,943
90 Days or More	224,913
Total	11,283,442	[1]
Interest Rate Range Less than 4.50% [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Fair value	10,120
Outstanding principal of loans serviced	1,144,667	[1]
Weighted average prepayment rate (in hundredths)	11.16%	[2]
Loan Receivable Aging [Abstract]
Total	1,144,667	[1]
Interest Rate Range 4.50% to 5.49% [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Fair value	62,499
Outstanding principal of loans serviced	5,496,830	[1]
Weighted average prepayment rate (in hundredths)	10.26%	[2]
Loan Receivable Aging [Abstract]
Total	5,496,830	[1]
Interest Rate Range 5.50% to 6.49% [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Fair value	31,015
Outstanding principal of loans serviced	3,339,781	[1]
Weighted average prepayment rate (in hundredths)	17.27%	[2]
Loan Receivable Aging [Abstract]
Total	3,339,781	[1]
Interest Rate Range Greater than 6.49% [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Fair value	5,558
Outstanding principal of loans serviced	1,302,164	[1]
Weighted average prepayment rate (in hundredths)	38.37%	[2]
Loan Receivable Aging [Abstract]
Total	1,302,164	[1]
FHLMC [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Outstanding principal of loans serviced	5,595,035
Loan Receivable Aging [Abstract]
Current	5,469,151
30 to 59 Days	47,973
60 to 89 Days	15,238
90 Days or More	62,673
Total	5,595,035
FNMA [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Outstanding principal of loans serviced	1,388,902
Loan Receivable Aging [Abstract]
Current	1,333,645
30 to 59 Days	23,490
60 to 89 Days	5,728
90 Days or More	26,039
Total	1,388,902
GNMA [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Outstanding principal of loans serviced	3,823,120
Loan Receivable Aging [Abstract]
Current	3,541,114
30 to 59 Days	127,350
60 to 89 Days	33,900
90 Days or More	120,756
Total	3,823,120
Other Investor Loans [Member]
Stratification of Mortgage Loan Servicing Portfolio [Line Items]
Outstanding principal of loans serviced	476,385
Loan Receivable Aging [Abstract]
Current	447,872
30 to 59 Days	9,991
60 to 89 Days	3,077
90 Days or More	15,445
Total	$ 476,385

[1] Excludes outstanding principal of $833 million for loans serviced for affiliates

[2] Annual prepayment estimates based upon loan interest rate, original term and loan type

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Reportable Segments (Tables)

6 Months Ended

Jun. 30, 2011

Reportable Segments [Abstract]

Reportable Segments

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			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	86,067		$	21,357		$	7,184		$	2,261	$	57,132		$	174,001
Net interest revenue (expense) from internal sources		(7,225	)		7,597			3,476			–		(3,848	)		–
Total net interest revenue		78,842			28,954			10,660			2,261		53,284			174,001
Other operating revenue		36,104			46,340			42,699			–		6,027			131,170
Operating expense		54,594			58,130			46,899			–		26,695			186,318
Provision for credit losses		4,660			3,435			836			–		(6,231	)		2,700
Decrease in fair value of mortgage    service rights		–			(13,493	)		–			–		–			(13,493	)
Gain on financial instruments, net		–			11,145			–			–		645			11,790
Loss on repossessed assets, net		(3,147	)		(229	)		–			–		(22	)		(3,398	)
Income before taxes		52,545			11,152			5,624			2,261		39,470			111,052
Federal and state income tax		20,440			4,338			2,188			–		12,391			39,357
Net income		32,105			6,814			3,436			2,261		27,079			71,695
Net income attributable to non-controlling interest		–			–			–			–		2,688			2,688
Net income attributable to BOK Financial Corporation	$	32,105		$	6,814		$	3,436		$	2,261	$	24,391		$	69,007
Average assets	$	9,393,935		$	5,819,151		$	3,659,617		$	–	$	5,106,532		$	23,979,235
Average invested capital		867,491			271,353			176,069			–		1,335,976			2,650,889
Performance measurements:
Return on average assets		1.37	%		0.47	%		0.38	%							1.15	%
Return on average invested capital		14.84	%		10.07	%		7.83	%							10.44	%
Efficiency ratio		47.50	%		77.20	%		87.89	%							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			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	170,020		$	40,022		$	14,713		$	4,582	$	115,303		$	344,640
Net interest revenue (expense) from internal sources		(16,270	)		16,655			6,219			–		(6,604	)		–
Total net interest revenue		153,750			56,677			20,932			4,582		108,699			344,640
Other operating revenue		71,610			89,760			82,558			–		10,448			254,376
Operating expense		107,112			113,269			90,086			–		53,098			363,565
Provision for credit losses		11,437			7,035			1,280			–		(10,802	)		8,950
Decrease in fair value of mortgage    service rights		–			(10,364	)		–			–		–			(10,364	)
Gain on financial instruments, net		–			5,208			18			–		936			6,162
Loss on repossessed assets, net		(6,731	)		(421	)		–			–		(577	)		(7,729	)
Income before taxes		100,080			20,556			12,142			4,582		77,210			214,570
Federal and state income tax		38,931			7,996			4,723			–		26,459			78,109
Net income		61,149			12,560			7,419			4,582		50,751			136,461
Net income attributable to non-controlling interest		–			–			–			–		2,680			2,680
Net income attributable to BOK Financial Corporation	$	61,149		$	12,560		$	7,419		$	4,582	$	48,071		$	133,781
Average assets	$	9,283,264		$	5,940,101		$	3,643,497		$	–	$	4,982,749		$	23,849,611
Average invested capital		865,439			272,301			175,505			–		1,294,836			2,608,081
Performance measurements:
Return on average assets		1.33	%		0.43	%		0.41	%							1.13	%
Return on average invested capital		14.25	%		9.30	%		8.52	%							10.34	%
Efficiency ratio		47.53	%		77.35	%		87.05	%							60.69	%

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

	Commercial			Consumer			Wealth Management			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	85,129		$	21,498		$	8,358		$	2,327	$	64,801		$	182,113
Net interest revenue (expense) from internal sources		(12,633	)		11,444			2,391			–		(1,202	)		–
Total net interest revenue		72,496			32,942			10,749			2,327		63,599			182,113
Other operating revenue		33,531			50,439			42,020			–		3,723			129,713
Operating expense		50,578			61,613			43,829			–		19,790			175,810
Provision for credit losses		22,477			10,300			3,135			–		128			36,040
Decrease in fair value of mortgage    service rights		–			(19,458	)		–			–		–			(19,458	)
Gain on financial instruments, net		–			22,431			15			–		5,280			27,726
Gain (loss) on repossessed assets, net		(10,741	)		90			–			–		7			(10,644	)
Income before taxes		22,231			14,531			5,820			2,327		52,691			97,600
Federal and state income tax		8,648			5,653			2,264			–		15,477			32,042
Net income		13,583			8,878			3,556			2,327		37,214			65,558
Net income attributable to non-controlling interest		–			–			–			–		2,036			2,036
Net income attributable to BOK Financial Corporation	$	13,583		$	8,878		$	3,556		$	2,327	$	35,178		$	63,522
Average assets	$	8,982,359		$	6,197,861		$	3,355,079		$	–	$	4,909,508		$	23,444,807
Average invested capital		909,930			312,192			167,903			–		988,704			2,378,729
Performance measurements:
Return on average assets		0.61	%		0.57	%		0.43	%							1.09	%
Return on average invested capital		5.99	%		11.41	%		8.49	%							10.71	%
Efficiency ratio		47.70	%		73.89	%		83.06	%							59.56	%

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

	Commercial			Consumer			Wealth Management			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest income from external sources	$	170,027		$	40,993		$	16,987		$	4,743	$	131,937		$	364,687
Net interest income (expense) from internal sources		(25,016	)		23,323			5,412			–		(3,719	)		–
Total net interest revenue		145,011			64,316			22,399			4,743		128,218			364,687
Other operating revenue		63,213			93,661			79,340			–		7,424			243,638
Operating expense		100,401			117,782			84,901			–		45,391			348,475
Provision for credit losses		50,856			14,008			5,900			–		7,376			78,140
Decrease in fair value of mortgage    service rights		–			(5,526	)		–			–		–			(5,526	)
Gain on financial instruments, net		–			22,220			16			–		5,448			27,684
Gain (loss) on repossessed assets, net		(15,764	)		121			–			–		–			(15,643	)
Income before taxes		41,203			43,002			10,954			4,743		88,323			188,225
Federal and state income tax		16,028			16,728			4,261			–		25,308			62,325
Net income		25,175			26,274			6,693			4,743		63,015			125,900
Net income attributable to non-controlling interest		–			–			–			–		2,245			2,245
Net income attributable to BOK Financial Corporation	$	25,175		$	26,274		$	6,693		$	4,743	$	60,770		$	123,655
Average assets	$	9,078,390		$	6,178,632		$	3,321,811		$	–	$	4,821,760		$	23,400,593
Average invested capital		920,056			290,796			167,495			–		960,552			2,338,899
Performance measurements:
Return on average assets		0.56	%		0.86	%		0.41	%							1.07	%
Return on average invested capital		5.52	%		18.22	%		8.06	%							10.66	%
Efficiency ratio		48.22	%		74.56	%		83.45	%							57.28	%

XML



Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details) (USD $) In Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	$ 1,103	$ 2,036	$ 2,230	$ 5,330
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	1,225	7,552	(1,348)	6,676
Interest Rate [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	24	(800)	(2,512)	763
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Energy Commodity [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	912	2,549	4,399	3,997
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Cattle Commodity [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	92	203	160	396
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Foreign Exchange [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	75	84	183	174
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Equity Swap [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	0	0	0	0
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Total Customer Derivatives | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	1,103	2,036	2,230	5,330
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	0	0	0	0
Interest Rate Risk Management Trading New [Member] | Other Operating Revenue [Member]
Trading Activity, Gains and Losses, Net [Line Items]
Trading Activity, Gains and Losses, Net	0	0	0	0
Derivative Gain (Loss) on Derivative, Net [Abstract]
Gain (Loss) on Derivatives, Net	$ 1,225	$ 7,552	$ (1,348)	$ 6,676

XML



Mortgage Banking Activities, Mortgage Servicing Rights (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010	Dec. 31, 2010
Summary of Mortgage Servicing Rights [Abstract]
Number of residential mortgage loans serviced			96,578	96,152	96,443
Outstanding principal balance of residential mortgage loans serviced for others	$ 11,283,442	$ 10,991,572	$ 11,283,442	$ 10,991,572	$ 11,194,582
Weighted average interest rate (in hundredths)			5.36%	5.63%	5.44%
Remaining term (in months)			291 M	296 M	292 M
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	120,345	119,066	115,723	73,824	73,824
Additions, net	5,798	5,161	10,767	42,254
Change in fair value due to loan runoff	(3,458)	(5,827)	(6,934)	(11,610)
Gain on purchase of mortgage servicing rights				11,832
Change in fair value due to market changes	(13,493)	(19,458)	(10,364)	(17,358)
Ending balance	109,192	98,942	109,192	98,942	115,723
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rate - risk-free rate plus a market premium (in hundredths)			10.36%	10.38%	10.36%
Prepayment rate - estimated based upon loan interest rate, original term and loan type, minimum (in hundredths)			10.26%	8.30%	6.53%
Prepayment rate - estimated based upon loan interest rate, original term and loan type, maximum (in hundredths)			38.37%	34.50%	23.03%
Loan servicing costs - annually per loan based upon loan type, minimum (in dollars per loan)			55	35	35
Loan servicing costs - annually per loan based upon loan type, maximum (in dollars per loan)			105	60	60
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life (in hundredths)			2.02%	1.34%	2.21%
Purchased [Member]
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	38,343	51,919	37,900	7,828	7,828
Additions, net	0	0	0	31,892
Change in fair value due to loan runoff	(1,218)	(1,313)	(2,551)	(2,641)
Gain on purchase of mortgage servicing rights				11,832
Change in fair value due to market changes	(4,259)	(13,160)	(2,483)	(11,465)
Ending balance	32,866	37,446	32,866	37,446
Originated [Member]
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	82,002	67,147	77,823	65,996	65,996
Additions, net	5,798	5,161	10,767	10,362
Change in fair value due to loan runoff	(2,240)	(4,514)	(4,383)	(8,969)
Gain on purchase of mortgage servicing rights				0
Change in fair value due to market changes	(9,234)	(6,298)	(7,881)	(5,893)
Ending balance	$ 76,326	$ 61,496	$ 76,326	$ 61,496

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Federal and State Income Taxes (Tables)

6 Months Ended

Jun. 30, 2011

Federal and State Income Taxes [Abstract]

Reconciliation of income (loss) to income tax expense

The reconciliations of income (loss) attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands):

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Amount:
Federal statutory tax	$	38,868		$	34,160		$	75,100		$	65,879
Tax exempt revenue		(1,331	)		(1,388	)		(2,694	)		(2,793	)
Effect of state income taxes, net of federal benefit		2,738			2,003			5,376			3,718
Utilization of tax credits		(594	)		(1,712	)		(1,093	)		(3,040	)
Bank-owned life insurance		(979	)		(877	)		(1,964	)		(1,742	)
Other, net		655			(144	)		3,384			303
Total	$	39,357		$	32,042		$	78,109		$	62,325

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Percent of pretax income:
Federal statutory tax		35	%		35	%		35	%		35	%
Tax exempt revenue		(1	)		(1	)		(1	)		(1	)
Effect of state income taxes, net of federal benefit		3			2			3			2
Utilization of tax credits		(1	)		(2	)		(1	)		(2	)
Bank-owned life insurance		(1	)		(1	)		(1	)		(1	)
Other, net		1			–			1			–
Total		36	%		33	%		36	%		33	%

XML



Federal and State Income Taxes

6 Months Ended

Jun. 30, 2011

Federal and State Income Taxes [Abstract]

Federal and State Income Taxes

 (12) Federal and State Income Taxes

The reconciliations of income (loss) attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands):

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Amount:
Federal statutory tax	$	38,868		$	34,160		$	75,100		$	65,879
Tax exempt revenue		(1,331	)		(1,388	)		(2,694	)		(2,793	)
Effect of state income taxes, net of federal benefit		2,738			2,003			5,376			3,718
Utilization of tax credits		(594	)		(1,712	)		(1,093	)		(3,040	)
Bank-owned life insurance		(979	)		(877	)		(1,964	)		(1,742	)
Other, net		655			(144	)		3,384			303
Total	$	39,357		$	32,042		$	78,109		$	62,325

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Percent of pretax income:
Federal statutory tax		35	%		35	%		35	%		35	%
Tax exempt revenue		(1	)		(1	)		(1	)		(1	)
Effect of state income taxes, net of federal benefit		3			2			3			2
Utilization of tax credits		(1	)		(2	)		(1	)		(2	)
Bank-owned life insurance		(1	)		(1	)		(1	)		(1	)
Other, net		1			–			1			–
Total		36	%		33	%		36	%		33	%

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Mortgage Banking Activities

6 Months Ended

Jun. 30, 2011

Mortgage Banking Activities [Abstract]

Mortgage Banking Activities

(5) Mortgage Banking Activities

The Company originates, markets and services conventional and government-sponsored residential mortgage loans.  Generally, conforming fixed-rate residential mortgage loans are held for sale in the secondary market and non-conforming and adjustable-rate residential mortgage loans are held for investment.  All residential mortgage loans originated for sale by the Company are carried at fair value based on sales commitments and market quotes.  Changes in the fair value of mortgage loans held for sale are included in Other operating revenue – Mortgage banking revenue.  Residential mortgage loans held for sale also includes the fair value of residential mortgage loan commitments and forward sale commitments which are considered derivative contracts that have not been designated as hedging instruments.  The volume of mortgage loans originated for sale is the primary driver of originating and marketing revenue.

Residential mortgage loan commitments are generally outstanding for 60 to 90 days, which represents the typical period from commitment to originate a residential mortgage loan to when the closed loan is sold to an investor.   Residential mortgage loan commitments are subject to both credit and interest rate risk.  Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets.  Exposure to interest rates fluctuations is partially managed through forward sales of residential mortgage-backed securities and forward sales contracts.  These latter contracts set the price for loans that will be delivered in the next 60 to 90 days.

The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loans commitments and forward contract sales and their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands):

	June 30, 2011					December 31, 2010				June 30, 2010
	Unpaid Principal Balance/ Notional		Fair  Value			Unpaid Principal Balance/ Notional		Fair Value		Unpaid Principal  Balance/ Notional		Fair Value
Residential mortgage loans held for sale	$	162,579	$	167,300		$	253,778	$	254,669	$	227,574	$	229,493
Residential mortgage loan commitments		156,209		2,793			138,870		2,251		189,029		5,538
Forward sales contracts		302,526		(484	)		396,422		6,493		407,457		(7,457	)
			$	169,609				$	263,413			$	227,574

No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of June 30, 2011, December 31, 2010 or June 30, 2010.  No credit losses were recognized on residential mortgage loans held for sale for the three and six month periods ended June 30, 2011 and 2010.

BOK Financial transfers financial assets as part of its mortgage banking activities.  Transfers are recorded as sales for financial reporting purposes when the criteria for surrender of control are met.  BOK Financial retains certain obligations to residential mortgage loans transferred and may retain the right to service the assets.  The Company may also retain a residual interest in excess cash flows generated by the assets.  All assets obtained, including cash, servicing rights and residual interests, and all liabilities incurred, are initially recognized at fair value, all assets transferred are derecognized and any gain or loss on the sale is recognized in earnings as they occur.

Mortgage servicing rights may be recognized when mortgage loans are originated pursuant to an existing plan for sale or, if no such plan exists, when the mortgage loans are sold.  Mortgage servicing rights may also be purchased.  Both originated or purchased mortgage servicing rights are initially recognized at fair value.  The Company has elected to carry all mortgage servicing rights at fair value.  Changes in the fair value are recognized in earnings as they occur.  The unpaid principal balance of loans serviced for others is the primary driver of servicing revenue.

The following represents a summary of mortgage servicing rights (Dollars in thousands):

	June 30, 2011			December 31, 2010			June 30, 2010
Number of residential mortgage loans serviced		96,578			96,443			96,152
Outstanding principal balance of residential mortgage loans serviced for others	$	11,283,442		$	11,194,582		$	10,991,572
Weighted average interest rate		5.36	%		5.44	%		5.63	%
Remaining term (in months)		291			292			296

Servicing fee income and late charges on loans serviced for others is included Mortgage banking revenue along with revenue from originating and marketing residential mortgage loans, including gains (losses) on residential mortgage loans held for sale and changes in fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments and forward sales contracts, as follows (in thousands):

	Three months ended						Six months ended
	June 30, 2011			June 30, 2010			June 30, 2011			June 30, 2010
Originating and marketing revenue:
Residential mortgage loan held for sale	$	10,037		$	13,528		$	23,373		$	21,326
Residential mortgage loan commitments		(702	)		3,072			542			5,043
Forward sales contracts		74			(7,836	)		(6,977	)		(11,083	)
Total originating and marketing revenue		9,409			8,764			16,938			15,286
Servicing revenue		9,947			9,571			19,774			17,920
Total mortgage banking revenue	$	19,356		$	18,335		$	36,712		$	33,206

Activity in capitalized mortgage servicing rights during the three months ended June 30, 2011 is as follows (in thousands):

	Purchased			Originated			Total
Balance at March 31, 2011	$	38,343		$	82,002		$	120,345
Additions, net		–			5,798			5,798
Change in fair value due to loan runoff		(1,218	)		(2,240	)		(3,458	)
Change in fair value due to market changes		(4,259	)		(9,234	)		(13,493	)
Balance at June 30, 2011	$	32,866		$	76,326		$	109,192

Activity in capitalized mortgage servicing rights during the six months ended June 30, 2011 is as follows (in thousands):

	Purchased			Originated			Total
Balance at December 31, 2010	$	37,900		$	77,823		$	115,723
Additions, net		–			10,767			10,767
Change in fair value due to loan runoff		(2,551	)		(4,383	)		(6,934	)
Change in fair value due to market changes		(2,483	)		(7,881	)		(10,364	)
Balance at June 30, 2011	$	32,866		$	76,326		$	109,192

Activity in capitalized mortgage servicing rights during the three months ended June 30, 2010 is as follows (in thousands):

	Purchased			Originated			Total
Balance at March 31, 2010	$	51,919		$	67,147		$	119,066
Additions, net		–			5,161			5,161
Change in fair value due to loan runoff		(1,313	)		(4,514	)		(5,827	)
Change in fair value due to market changes		(13,160	)		(6,298	)		(19,458	)
Balance at June 30, 2010	$	37,446		$	61,496		$	98,942

Activity in capitalized mortgage servicing rights during the six months ended June 30, 2010 is as follows (in thousands):

	Purchased			Originated			Total
Balance at December 31, 2009	$	7,828		$	65,996		$	73,824
Additions, net		31,892			10,362			42,254
Change in fair value due to loan runoff		(2,641	)		(8,969	)		(11,610	)
Gain on purchase of mortgage servicing rights		11,832			–			11,832
Change in fair value due to market changes		(11,465	)		(5,893	)		(17,358	)
Balance at June 30, 2010	$	37,446		$	61,496		$	98,942

During the first quarter of 2010, the Company purchased the rights to service approximately 34 thousand residential mortgage loans with an outstanding principal balance of $4.2 billion.  The loans to be serviced are primarily concentrated in New Mexico and predominantly held by Fannie Mae, Ginnie Mae and Freddie Mac.  The cash purchase price was $32 million.  The acquisition date fair value of the servicing rights was approximately $43.7 million based upon independent valuation analyses which were further supported by assumptions and models the Company regularly uses to value its existing portfolio of servicing rights.  The $11.8 million difference between the purchase price and acquisition date fair value was directly attributable to the seller's distressed financial condition.

Changes in the fair value of mortgage servicing rights are included in Other operating expense in the Consolidated Statements of Earnings.  Changes in fair value due to loan runoff are included in Mortgage banking costs.  Changes in fair value due to market changes are reported separately.  Changes in fair value due to market changes during the period relate to assets held at the reporting date.

There is no active market for trading in mortgage servicing rights after origination.  Fair value is determined by discounting the projected net cash flows. Significant assumptions considered significant unobservable inputs used to determine fair value are:

	June 30, 2011			December 31, 2010			June 30, 2010
Discount rate – risk-free rate plus a market premium		10.36	%		10.36	%		10.38	%
Prepayment rate – based upon loan interest rate, original term and loan type		10.26% - 38.37	%		6.53% - 23.03	%		8.3% - 34.5	%
Loan servicing costs – annually per loan based upon loan type	$	55 - $105		$	35 - $60		$	35 - $60
Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life		2.02	%		2.21	%		1.34	%

The Company is exposed to interest rate risk as benchmark mortgage interest rates directly affect the prepayment speeds used in valuing our mortgage servicing rights, which is partially managed through forward sales of residential mortgage-backed securities and forward sales contracts. A separate third party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults and other relevant factors.  The prepayment model is updated daily for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial's servicing portfolio.  At least annually, the Company requests estimates of fair value from outside sources to corroborate the results of the valuation model.  There have been no changes in the techniques used to value mortgage servicing rights.

Stratification of the mortgage loan servicing portfolio and outstanding principal of loans serviced by interest rate at June 30, 2011 follows (in thousands):

	< 4.50%				4.50% - 5.49	%		5.50% - 6.49	%	> 6.49%			Total
Fair value	$	10,120		$	62,499		$	31,015		$	5,558		$	109,192
Outstanding principal of loans serviced1	$	1,144,667		$	5,496,830		$	3,339,781		$	1,302,164		$	11,283,442
Weighted average prepayment rate2		11.16	%		10.26	%		17.27	%		38.37	%		15.67	%

1   Excludes outstanding principal of $833 million for loans serviced for affiliates

2    Annual prepayment estimates based upon loan interest rate, original term and loan type

The interest rate sensitivity of our mortgage servicing rights and securities and derivative contracts held as an economic hedge is modeled over a range of +/- 50 basis points. At June 30, 2011, a 50 basis point increase in mortgage interest rates is expected to increase the fair value of our mortgage servicing rights, net of economic hedge by $0.7 million. A 50 basis point decrease in mortgage interest rates is expected to decrease the fair value of our mortgage servicing rights, net of economic hedge by $7.1 million.  In our model, changes in the value of our servicing rights due to changes in interest rates assume stable relationships between mortgage rates and prepayment speeds. Changes in market conditions can cause variations from these assumptions. These factors and others may cause changes in the value of our mortgage servicing rights to differ from our expectations.

The aging status of our mortgage loans service for others by investor at June 30, 2011 follows (in thousands):

			Past Due
	Current		30 to 59 Days		60 to 89 Days		90 Days or More		Total
FHLMC	$	5,469,151	$	47,973	$	15,238	$	62,673	$	5,595,035
FNMA		1,333,645		23,490		5,728		26,039		1,388,902
GNMA		3,541,114		127,350		33,900		120,756		3,823,120
Other		447,872		9,991		3,077		15,445		476,385
Total	$	10,791,782	$	208,804	$	57,943	$	224,913	$	11,283,442

The Company has off-balance sheet credit risk related to residential mortgage loans sold with recourse prior to 2008 under various community development programs.  These loans consist of first lien, fixed rate residential mortgage loans sold to U.S. government agencies and underwritten to standards approved by the agencies including full documentation and originated under programs available only for owner-occupied properties.  However, these loans have a higher risk of delinquency and loss given default than traditional residential mortgage loans.  The Company no longer sells residential mortgage loans with recourse other than obligations under standard representation and warranties.  The recourse obligation relates to loan performance for the life of the loan and the Company is obligated to repurchase the loan at the time of foreclosure for the unpaid principal balance plus unpaid interest.  The principal balance of residential mortgage loans sold subject to recourse obligations totaled $274 million at June 30, 2011, $289 million at December 31, 2010 and $311 million at June 30, 2010.  A separate accrual for these off-balance sheet commitments is included in Other liabilities in the Consolidated Balance Sheets totaling $18 million at June 30, 2011, $17 million at December 31, 2010 and $14 million at June 30, 2010.  At June 30, 2011, approximately 6% of the loans sold with recourse with an outstanding principal balance of $16 million were either delinquent more than 90 days, in bankruptcy or in foreclosure and 5% with an outstanding balance of $14 million were past due 30 to 89 days.  The provision for credit losses on loans sold with recourse is included in Mortgage banking costs in the Consolidated Statements of Earnings.

The activity in the allowance for losses on loans sold with recourse included in Other liabilities in the Consolidated Balance Sheets is summarized as follows (in thousands):

	Three Months ended June 30,						Six Months ended June 30,
	2011			2010			2011			2010
Beginning balance	$	16,487		$	13,781		$	16,667		$	13,781
Provision for recourse losses		2,532			1,568			3,326			2,867
Loans charged off, net		(1,479	)		(1,568	)		(2,453	)		(2,867	)
Ending balance	$	17,540		$	13,781		$	17,540		$	13,781

The Company also has off-balance sheet credit risk for residential mortgage loans sold to government sponsored entities due to standard representations and warranties made under contractual agreements.  As of June 30, 2011, less than 10% of purchase requests made in 2010 and 2011 have resulted in actual repurchases or indemnification by the Company.  For the six months ended June 30, 2011, we have repurchased 2 loans for $361 thousand from the agencies.  No losses have been incurred on these loans as of June 30, 2011.  At June 30, 2011, we have unresolved deficiency requests from the agencies on 166 loans with an aggregate outstanding principal balance of $27 million.  During 2010, the Company established an accrual for credit losses related to potential loan repurchases under representations and warranties which is included in Other liabilities in the Consolidated Balance Sheets and in Mortgage banking costs in the Consolidated Statement of Earnings.  This accrual totals $2.1 million at June 30, 2011.  No amounts have been charged against this allowance as of June 30, 2011.

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Loans (Policies)

6 Months Ended

Jun. 30, 2011

Loans [Abstract]

Allowances for Credit Losses

BOK Financial maintains separate allowances for loan losses and for off-balance sheet credit risk related to commitments to extend credit and standby letters of credit.  As discussed in greater detail in Note 5, the Company also has separate allowances related to off-balance sheet credit risk related to residential mortgage loans sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representation and warranties.

The allowance for loan losses is assessed by management on a quarterly basis and consists of specific amounts attributed to certain impaired loans, general allowances based on migration factors for unimpaired loans and non-specific allowances based on general economic conditions, risk concentration and related factors.  Impairment is individually measured for certain impaired loans and collectively measured for all other loans.  There have been no material changes in the approach or techniques utilized in developing the allowances for loan losses and off-balance sheet credit losses.

Internally risk graded loans are evaluated individually for impairment.  Non-risk graded loans are collectively evaluated for impairment through past-due status and other relevant factors.  Substantially all commercial and commercial real estate loans are risk graded.  Certain residential mortgage and consumer loans are also risk graded.  Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded.  Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements.  This is substantially the same criteria used to determine when a loan should be placed on nonaccrual status.  Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans' initial effective interest rate or the fair value of collateral for certain collateral dependent loans.  Historical statistics may be used in limited situation to assist in estimating future cash flows or collateral values, such as when an impaired collateral dependent loan is identified at the end of a reporting period.  Historical statistics are a practical way to estimate impairment until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed.  Estimates of future cash flows and collateral value require significant judgments and are subject to volatility.

General allowances for unimpaired loans are based on migration models.  Separate migration models are used to determine general allowances for commercial and commercial real estate loans, residential mortgage loans and consumer loans.  All commercial and commercial real estate loans are risk-graded based on an evaluation of the borrowers' ability to repay.  Risk grades are updated quarterly.  Migration factors are determined for each risk grade to determine the inherent loss based on historical trends.  An eight-quarter aggregate accumulation of net losses is used as a basis for the migration factors.  Losses incurred in more recent periods are more heavily weighted by a sum-of-periods-digits formula.  The higher of the current loss factors based on migration trends or a minimum migration factor based upon long-term history is assigned to each risk grade.  The resulting general allowances may be adjusted upward or downward by management to account for the limitations in migration models which are based entirely on historical data, such as their limited accuracy at the beginning and ending of credit cycles.

The general allowance for residential mortgage loans is based on an eight-quarter average percent of loss.  The general allowance for consumer loans is based on an eight-quarter average percent loss with separate migration factors determined by major product line, such as indirect automobile loans and direct consumer loans.

Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or identified by the migration models.  These factors include trends in the economy in our primary lending areas, conditions in certain industries where we have a concentration and overall growth in the loan portfolio.  Evaluation of nonspecific factors considers the effect of the duration of the business cycle on migration factors and also considers current economic conditions and other factors.

A provision for credit losses is charged against earnings in amounts necessary to maintain appropriate allowances for loan and off-balance sheet credit losses. Loans are charged off when the loan balance or a portion of the loan balance is no longer covered by the paying capacity of the borrower based on an evaluation of available cash resources and collateral value. Loans are evaluated quarterly and charge-offs are taken in the quarter in which the loss is identified. Additionally, all unsecured or under-secured residential mortgage and consumer loans that are past due 180 days are charged off. Recoveries of loans previously charged off are added to the allowance.

Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs.  Appraised values are on an “as-is” basis and are not adjusted by the Company.  Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions.  The value of other collateral is generally determined by our special assets staff based on projected liquidation cash flows under current market conditions.  Collateral values and available cash resources that support impaired loans are evaluated quarterly.  Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined.

Loans Policy

Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower.  BOK Financial is exposed to risk of loss on loans due to the borrower's difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures.

Performing loans may be renewed under then current collateral value, debt service ratio and other underwriting standards.   Nonperforming loans may be renewed and will remain on nonaccrual status.  Nonperforming loans renewed will be evaluated and may be charged off if the loan balance is no longer covered by the paying capacity of the borrower based on an evaluation of available cash resources and collateral value.

Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccrual status when, in the opinion of management, full collection of principal or interest is uncertain. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccrual status. Payments on nonaccrual loans are applied to principal or reported as interest income, according to management's judgment as to the collectability of principal.  Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower's financial condition or a sustained period of performance.

Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable.

Certain residential mortgage loans originated by the Company are held for sale.  All residential mortgage loans originated for sale are carried at fair value based on sales commitments or market quotes. Changes in fair value are recorded in other operating revenue – mortgage banking revenue.

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Loans Part 5 (Details) (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
Financing receivable, recorded investment, aging [Abstract]
Current	$ 10,364,210	$ 10,287,554
Past due 30 to 89 days	48,519	59,110
Past due 90 days or more	124,645	65,558
Nonaccrual	200,170	230,814
Total	10,737,544	10,643,036	10,882,717
Commercial Services Financing Receivable [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	1,691,451	1,558,120
Past due 30 to 89 days	3,759	3,196
Past due 90 days or more	1,593	343
Nonaccrual	16,254	19,262
Total	1,713,057	1,580,921
Commercial Energy Financing Receivable [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	1,682,344	1,707,466
Past due 30 to 89 days	153	507
Past due 90 days or more		2,971
Nonaccrual	345	465
Total	1,682,842	1,711,409
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	1,041,864	1,001,422
Past due 30 to 89 days	697	315
Past due 90 days or more	487	23
Nonaccrual	25,138	8,486
Total	1,068,186	1,010,246
Commercial Healthcare Financing Receivable [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	863,169	805,124
Past due 30 to 89 days	177	75
Past due 90 days or more		892
Nonaccrual	5,962	3,534
Total	869,308	809,625
Commercial Manufacturing Financing Receivable [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	362,785	321,102
Past due 30 to 89 days		168
Past due 90 days or more		1,805
Nonaccrual	4,366	2,116
Total	367,151	325,191
Commercial Other Commercial and Industrial [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	280,729	287,357
Past due 30 to 89 days	192	111
Past due 90 days or more	57	274
Nonaccrual	1,300	4,579
Total	282,278	292,321
Commercial Integrated Food Services Financing Receivables [Member] | Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	195,774	204,199
Past due 30 to 89 days		71
Nonaccrual		13
Total	195,774	204,283
Commercial Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	6,118,116	5,884,790
Past due 30 to 89 days	4,978	4,443
Past due 90 days or more	2,137	6,308
Nonaccrual	53,365	38,455
Total	6,178,596	5,933,996
Commercial Real Estate Office Financing Receivables [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	468,712	437,496
Past due 30 to 89 days	2,320	300
Nonaccrual	11,473	19,654
Total	482,505	457,450
Commercial Real Estate Retail Financing Receivables [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	430,941	394,445
Past due 30 to 89 days	2,911	6,117
Nonaccrual	4,642	4,978
Total	438,494	405,540
Commercial Real Estate Other Real Estate Loans Financing Receivables [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	381,961	395,320
Past due 30 to 89 days	2,393	4,301
Past due 90 days or more	175	197
Nonaccrual	13,266	15,343
Total	397,795	415,161
Commercial Real Estate Construction Financing Receivable [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	288,494	344,016
Past due 30 to 89 days	2,333	3,170
Past due 90 days or more		1,099
Nonaccrual	76,265	99,579
Total	367,092	447,864
Commercial Real Estate Multifamily Financing Receivables [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	330,945	362,517
Nonaccrual	4,717	6,725
Total	335,662	369,242
Commercial Real Estate Industrial [Member] | Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	161,783	177,660
Past due 30 to 89 days	384	346
Nonaccrual		4,087
Total	162,167	182,093
Commercial Real Estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	2,062,836	2,111,454
Past due 30 to 89 days	10,341	14,234
Past due 90 days or more	175	1,296
Nonaccrual	110,363	150,366
Total	2,183,715	2,277,350
Residential Mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	1,689,079	1,705,106
Past due 30 to 89 days	24,913	28,124
Past due 90 days or more	122,312	57,592
Nonaccrual	31,693	37,426
Total	1,867,997	1,828,248
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	1,104,450	1,148,271
Past due 30 to 89 days	18,735	22,177
Nonaccrual	27,991	32,111
Total	1,151,176	1,202,559
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Us Government Agency Guaranteed Financing Receivables [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	8,426	10,451
Past due 30 to 89 days	3,728	4,342
Past due 90 days or more	122,304	57,592
Total	134,458	72,385
Residential Mortgage [Member] | Home Equity [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	576,203	546,384
Past due 30 to 89 days	2,450	1,605
Past due 90 days or more	8
Nonaccrual	3,702	5,315
Total	582,363	553,304
Consumer Loan [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	494,179	586,204
Past due 30 to 89 days	8,287	12,309
Past due 90 days or more	21	362
Nonaccrual	4,749	4,567
Total	507,236	603,442
Consumer Loan [Member] | Consumer Loans Auto Financing Receivable [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	152,496	225,601
Past due 30 to 89 days	7,256	11,382
Past due 90 days or more	19	67
Nonaccrual	2,729	2,526
Total	162,500	239,576
Consumer Loan [Member] | Consumer Other Financing Receivable [Member]
Financing receivable, recorded investment, aging [Abstract]
Current	341,683	360,603
Past due 30 to 89 days	1,031	927
Past due 90 days or more	2	295
Nonaccrual	2,020	2,041
Total	$ 344,736	$ 363,866

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Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2011

Fair Value Measurements [Abstract]

Fair Value of Financial Instruments

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of June 30, 2011 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	1,110,761										$	1,110,761
Trading securities		99,846											99,846
Investment securities:
Municipal and other tax-exempt		160,870											165,449
Other debt securities		188,713											203,798
Total investment securities		349,583											369,247
Available for sale securities:
U.S. Treasury		1,003											1,003
Municipal and other tax-exempt		70,210											70,210
U.S. agency residential mortgage-backed securities		8,893,789											8,893,789
Private issue residential mortgage-backed securities		513,222											513,222
Other debt securities		5,893											5,893
Perpetual preferred stock		22,694											22,694
Equity securities and mutual funds		60,197											60,197
Total available for sale securities		9,567,008											9,567,008
Mortgage trading securities		553,231											553,231
Residential mortgage loans held for sale		169,609											169,609
Loans:
Commercial		6,178,596			0.25 – 18.00	%		0.60		0.72 – 4.50	%		6,085,941
Commercial real estate		2,183,715			0.38 – 18.00	%		1.18		0.28 – 3.66	%		2,134,950
Residential mortgage		1,867,997			0.38 – 18.00	%		3.32		0.74 – 4.31	%		1,915,710
Consumer		507,236			0.38 – 21.00	%		0.53		1.96 – 3.74	%		507,831
Total loans		10,737,544											10,644,432
Allowance for loan losses		(286,611	)										–
Net loans		10,450,933											10,644,432
Mortgage servicing rights		109,192											109,192
Derivative instruments with positive fair value, net of cash margin		229,887											229,887
Other assets – private equity funds		28,313											28,313
Deposits with no stated maturity		13,951,177											13,951,177
Time deposits		3,634,700			0.01 – 9.64	%		1.91		0.76 – 1.45	%		3,655,527
Other borrowings		2,962,759			0.07 – 6.58	%		0.00		0.07 – 2.65	%		2,962,773
Subordinated debentures		398,788			5.19 – 5.82	%		1.87		3.50	%		412,242
Derivative instruments with negative fair value, net of cash margin		173,917											173,917

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2010 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	1,269,404										$	1,269,404
Trading securities		55,467											55,467
Investment securities:
Municipal and other tax-exempt		184,898											188,577
Other debt securities		154,655											157,528
Total investment securities		339,553											346,105
Available for sale securities:
Municipal and other tax-exempt		72,942											72,942
U.S. agency residential mortgage-backed securities		8,446,908											8,446,908
Privately issued residential mortgage-backed securities		644,210											644,210
Other debt securities		6,401											6,401
Perpetual preferred stock		22,114											22,114
Equity securities and mutual funds		43,046											43,046
Total available for sale securities		9,235,621											9,235,621
Mortgage trading securities		428,021											428,021
Residential mortgage loans held for sale		263,413			–			–		–			263,413
Loans:
Commercial		5,933,996			0.25 –18.00	%		0.57		0.72 – 4.67	%		5,849,443
Commercial real estate		2,277,350			0.38 –18.00	%		1.17		0.29 – 3.81	%		2,221,443
Residential mortgage		1,828,248			0.38 –18.00	%		3.65		0.79 – 4.58	%		1,860,913
Consumer		603,442			0.38 –21.00	%		0.67		1.98 – 3.91	%		605,656
Total loans		10,643,036											10,537,455
Allowance for loan losses		(292,971	)										–
Net loans		10,350,065											10,537,455
Mortgage servicing rights		115,723											115,723
Derivative instruments with positive fair value, net of cash margin		270,445											270,445
Other assets – private equity funds		25,436											25,436
Deposits with no stated maturity		13,669,893											13,669,893
Time deposits		3,509,168			0.01 –9.64	%		1.85		0.82 – 1.56	%		2,979,505
Other borrowings		3,117,358			0.13 –6.58	%		0.02		0.13 – 2.73	%		2,982,460
Subordinated debentures		398,701			5.19 –5.82	%		2.30		3.72	%		413,328
Derivative instruments with negative fair value, net of cash margin		215,420											215,420

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of June 30, 2010 (dollars in thousands):

				Range of			Average					Estimated
	Carrying			Contractual			Re-pricing		Discount			Fair
	Value			Yields			(in years)		Rate			Value
Cash and cash equivalents	$	852,526										$	852,526
Trading securities		62,159											62,159
Investment securities:
Municipal and other tax-exempt		221,702											227,301
Other debt securities		131,575											136,585
Total investment securities		353,277											363,886
Available for sale securities:
Municipal and other tax-exempt		66,439											66,439
U.S. agency residential mortgage-backed securities		8,223,719											8,223,719
Private issue residential mortgage-backed securities		735,516											735,516
Other debt securities		13,064											13,064
Perpetual preferred stock		19,881											19,881
Equity securities and mutual funds		47,209											47,209
Total available for sale securities		9,105,828											9,105,828
Mortgage trading securities		534,641											534,641
Residential mortgage loans held for sale		227,574											227,574
Loans:
Commercial		6,011,528			0.25 – 18.00	%		0.54		0.72 – 4.61	%		5,915,895
Commercial real estate		2,340,909			0.38 – 18.00			1.08		0.30 – 3.91			2,291,533
Residential mortgage		1,834,246			0.38 – 18.00			3.12		1.16 – 4.17			1,912,579
Consumer		696,034			0.38 – 21.00			0.90		1.92 – 4.16			704,498
Total loans		10,882,717											10,824,505
Allowance for loan losses		(299,489	)										–
Net loans		10,583,228											10,824,505
Mortgage servicing rights		98,942											98,942
Derivative instruments with positive fair value, net of cash margin		334,576											334,576
Other assets – private equity funds		23,834											23,834
Deposits with no stated maturity		12,414,412											12,414,412
Time deposits		3,673,088			0.01 – 9.64			1.54		1.05 – 1.54			3,158,578
Other borrowings		3,970,770			0.14 – 6.58			0.37		0.18 – 2.81			3,834,960
Subordinated debentures		398,617			5.19 – 5.82			2.60		3.88			415,161
Derivative instruments with negative fair value, net of cash margin		299,851											299,851

Fair Value Assets And Liabilities Measured On A Recurring Basis

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of June 30, 2011 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	$99,846	$	2,327	$	97,519	$	–
Available for sale securities:
U.S. Treasury		1,003		1,003		–		–
Municipal and other tax-exempt		70,210		–		26,552		43,658
U.S. agency residential mortgage-backed securities		8,893,789		–		8,893,789		–
Private issue residential mortgage-backed securities		513,222		–		513,222		–
Other debt securities		5,893		–		–		5,893
Perpetual preferred stock		22,694		–		22,694		–
Equity securities and mutual funds		60,197		41,557		18,640		–
Total available for sale securities		9,567,008		42,560		9,474,897		49,551
Mortgage trading securities		553,231		–		553,231		–
Residential mortgage loans held for sale		169,609		–		169,609		–
Mortgage servicing rights		109,192		–		–		109,192	1
Derivative contracts, net of cash margin2		229,887		–		229,887		–
Other assets – private equity funds		28,313		–		–		28,313
Liabilities:
Derivative contracts, net of cash margin2		173,917		–		173,917		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of December 31, 2010 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	55,467	$	877	$	54,590	$	–
Available for sale securities:
Municipal and other tax-exempt		72,942		–		25,849		47,093
U.S. agency residential mortgage-backed securities		8,446,908		–		8,446,908		–
Privately issued residential mortgage-backed securities		644,210		–		644,210		–
Other debt securities		6,401		–		1		6,400
Perpetual preferred stock		22,114		–		22,114		–
Equity securities and mutual funds		43,046		22,344		20,702		–
Total available for sale securities		9,235,621		22,344		9,159,784		53,493
Mortgage trading securities		428,021		–		428,021		–
Residential mortgage loans held for sale		263,413		–		263,413		–
Mortgage servicing rights		115,723		–		–		115,723	1
Derivative contracts, net of cash margin 2		270,445		–		270,445		–
Other assets – private equity funds		25,436		–		–		25,436
Liabilities:
Certificates of deposit		27,414		–		27,414		–
Derivative contracts, net of cash margin 2		215,420		–		215,420		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

The fair value of financial assets and liabilities that are measured on a recurring basis are as follows as of June 30, 2010 (in thousands):

	Total		Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs
Assets:
Trading securities	$	62,159	$	4,030	$	58,129	$	–
Available for sale securities:
Municipal and other tax-exempt		66,439		–		26,613		39,826
U.S. agency residential mortgage-backed securities		8,223,719		–		8,223,719		–
Privately issued residential mortgage-backed securities		735,516		–		735,516		–
Other debt securities		13,064		–		29		13,035
Perpetual preferred stock		19,881		–		19,881		–
Equity securities and mutual funds		47,209		22,728		24,481		–
Total available for sale securities		9,105,828		22,728		9,030,239		52,861
Mortgage trading securities		534,641		–		534,641		–
Residential mortgage loans held for sale		227,574		–		227,574		–
Mortgage servicing rights		98,942		–		–		98,984	1
Derivative contracts, net of cash margin 2		334,576		16,991		317,585		–
Other assets – private equity funds		23,834		–		–		23,834
Liabilities:
Certificates of deposit		27,957		–		27,957		–
Derivative contracts, net of cash margin 2		299,851		–		299,851		–

1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 5, Mortgage Banking Activities.

2 See Note 3 for detail of fair value of derivative contracts by contract type.

Fair Value Assets Measured On Recurring Basis Significant Unobservable Inputs

The following represents the changes for the three months ended June 30, 2011 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, March 31, 2011	$	43,767		$	5,899		$	25,046
Purchases and capital calls		–			–			746
Redemptions and distributions		–			–			(783	)
Gain (loss) recognized in earnings:
Gain on other assets, net		–			–			3,304
Other-than-temporary impairment losses		(521	)		–			–
Other comprehensive gain (loss)		412			(6	)		–
Balance, June 30, 2011	$	43,658		$	5,893		$	28,313

The following represents the changes for the six months ended June 30, 2011 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, December 31, 2010	$	47,093		$	6,400		$	25,436
Purchases and capital calls		7,520			–			1,652
Redemptions and distributions		(9,975	)		(500	)		(2,185	)
Gain (loss) recognized in earnings:
Brokerage and trading revenue		(576	)		–			–
Gain on other assets, net		–			–			3,410
Gain on securities, net		18			–			–
Other-than-temporary impairment losses		(521	)		–			–
Other comprehensive (loss)		99			(7	)		–
Balance, June 30, 2011	$	43,658		$	5,893		$	28,313

The following represents the changes for the three months ended June 30, 2010 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

	Available for Sale Securities
	Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance at March 31, 2010	$	38,004		$	17,150		$	22,825
Purchases, sales, issuances and settlements, net		1,775			(4,250	)		663
Gain (loss) recognized in earnings
Brokerage and trading revenue		(11	)		–			–
Gain (loss) on other assets, net		–			–			346
Gain on securities, net		–			–			–
Other comprehensive (loss)		58			135			–
Balance June 30, 2010	$	39,826		$	13,035		$	23,834

The following represents the changes for the six months ended June 30, 2010 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):

				Available for Sale Securities
	Trading Securities			Municipal and other tax-exempt			Other debt securities			Other assets – private equity funds
Balance, December 31, 2009	$	9,800		$	36,598		$	17,116		$	22,917
Purchases, sales, issuances and settlements, net		(9,800	)		4,133			(4,200	)		1
Gain (loss) recognized in earnings
Brokerage and trading revenue		–			(80	)		–			–
Gain (loss) on other assets, net		–			–			–			916
Gain on securities, net		–			–			–			–
Other comprehensive (loss)		–			(825	)		119			–
Balance, June 30, 2010	$	–		$	39,826		$	13,035		$	23,834

Fair Value Assets Measured on Nonrecurring Basis

The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period.  The carrying value represents only those assets adjusted to fair value during the three months ended June 30, 2011:

Carrying Value at June 30, 2011

Fair Value Adjustments for the Three Months Ended June 30, 2011 Recognized In:

Quoted Prices in Active Markets for Identical Instruments

Significant Other Observable Inputs

Significant Unobservable Inputs

Gross charge-offs against allowance for loan losses

Gross charge-offs against allowance for recourse loans

Net losses and expenses of repossessed assets, net

Impaired loans

$

–

$

17,949

$

–

$

4,071

$

146

$

–

Real estate and other repossessed assets

–

50,885

–

–

–

4,127

 The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period.  The carrying value represents only those assets adjusted to fair value during the three months ended June 30, 2010:

	Carrying Value at June 30, 2010						Fair Value Adjustments for the Three Months Ended June 30, 2010 Recognized In:
	Quoted Prices in Active Markets for Identical Instruments		Significant Other Observable Inputs		Significant Unobservable Inputs		Gross charge-offs against allowance for loan losses		Net losses and expenses of repossessed assets, net
Impaired loans	$	–	$	55,893	$	–	$	28,243	$	–
Real estate and other repossessed assets		–		28,778		6,736		–		11,623

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Consolidated Statements of Changes in Equity (USD $) In Thousands	Total	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Total shareholders' equity [Member]	Non-Controlling Interest [Member]
Balances at Dec. 31, 2009	$ 2,225,374	$ 4	$ (10,740)	$ 758,723	$ 1,563,683	$ (105,857)	$ 2,205,813	$ 19,561
Shares at Dec. 31, 2009		70,312				2,509
Comprehensive income:
Net income attributable to BOKF	123,655	0	0	0	123,655	0	123,655	0
Net income attributable to non-controlling interest	2,245	0	0	0	0	0	0	2,245
Other comprehensive income, net of tax	124,511	0	124,511	0	0	0	124,511	0
Comprehensive income	250,411						248,166	2,245
Exercise of stock options	2,887	0	0	6,511	0	(3,624)	2,887	0
Exercise of stock options, shares		304				27
Tax benefit on exercise of stock options	335	0	0	335	0	0	335	0
Stock-based compensation	4,359	0	0	4,359	0	0	4,359	0
Cash dividends on common stock	(32,822)	0	0	0	(32,822)	0	(32,822)	0
Capital calls and distributions, net	(517)	0	0	0	0	0	0	(517)
Balances at Jun. 30, 2010	2,450,027	4	113,771	769,928	1,654,516	(109,481)	2,428,738	21,289
Shares at Jun. 30, 2010		70,616				2,536
Balances at Dec. 31, 2010	2,543,878	4	107,839	782,805	1,743,880	(112,802)	2,521,726	22,152
Shares at Dec. 31, 2010		70,816				2,608
Comprehensive income:
Net income attributable to BOKF	133,781	0	0	0	133,781	0	133,781	0
Net income attributable to non-controlling interest	2,680	0	0	0	0	0	0	2,680
Other comprehensive income, net of tax	38,416	0	38,416	0	0	0	38,416	0
Comprehensive income	174,877						172,197	2,680
Exercise of stock options	4,291	0	0	6,345	0	(2,054)	4,291	0
Exercise of stock options, shares		284				30
Tax benefit on exercise of stock options	339	0	0	339	0	0	339	0
Stock-based compensation	4,803	0	0	4,803	0	0	4,803	0
Cash dividends on common stock	(35,639)	0	0	0	(35,639)	0	(35,639)	0
Capital calls and distributions, net	(375)	0	0	0	0	0	0	(375)
Balances at Jun. 30, 2011	$ 2,692,174	$ 4	$ 146,255	$ 794,292	$ 1,842,022	$ (114,856)	$ 2,667,717	$ 24,457
Shares at Jun. 30, 2011		71,100				2,638

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Securities (Tables)

6 Months Ended

Jun. 30, 2011

Marketable Securities [Abstract]

Trading Securities amortized cost and fair vaules

The fair value and net unrealized gain (loss) included in trading securities is as follows (in thousands):

	June 30, 2011					December 31, 2010					June 30, 2010
	Fair Value		Net Unrealized Gain (Loss)			Fair Value		Net Unrealized Gain (Loss)			Fair Value		Net Unrealized Gain (Loss)
Obligations of the U.S. Government	$	11,825	$	(37	)	$	3,873	$	(17	)	$	12,786	$	(8	)
U.S. agency residential mortgage-backed securities		22,739		9			27,271		292			26,476		151
Municipal and other tax-exempt securities		62,285		(249	)		23,396		(214	)		18,866		(15	)
Other trading securities		2,997		(13	)		927		(2	)		4,031		3
Total	$	99,846	$	(290	)	$	55,467	$	59		$	62,159	$	131

Amortized Cost and Fair Value of Investment Securities Categorized as Held-to-Maturity

The amortized cost and fair values of investment securities are as follows (in thousands):

	June 30,
	2011									2010
					Not Recognized in OCI1									Not Recognized in OCI1
	Amortized		Fair		Gross Unrealized					Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			Cost		Value		Gain		Loss
Municipal and other tax-exempt	$	160,870	$	165,449	$	4,583	$	(4	)	$	221,702	$	227,301	$	5,640	$	(41	)
Other debt securities		188,713		203,798		15,085		–			131,575		136,585		5,245		(235	)
Total	$	349,583	$	369,247	$	19,668	$	(4	)	$	353,277	$	363,886	$	10,885	$	(276	)

	December 31, 2010
					Not Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss
Municipal and other tax-exempt	$	184,898	$	188,577	$	3,912	$	(233	)
Other debt securities		154,655		157,528		4,505		(1,632	)
Total	$	339,553	$	346,105	$	8,417	$	(1,865	)

1 Other comprehensive income

The amortized cost and fair values of investment securities at June 30, 2011, by contractual maturity, are as shown in the following table (dollars in thousands):

											Weighted
	Less than		One to		Six to		Over				Average
	One Year		Five Years		Ten Years		Ten Years		Total		Maturity²
Municipal and other tax-exempt:
Amortized cost	$	49,599	$	81,448	$	24,506	$	5,317	$	160,870		2.82
Fair value		49,937		84,499		25,547		5,466		165,449
Nominal yield¹		4.64		4.66		5.58		6.22		4.84
Other debt securities:
Amortized cost		7,729		29,513		34,784		116,687		188,713		10.50
Fair value		7,764		30,203		36,286		129,545		203,798
Nominal yield		4.52		5.44		5.58		6.20		5.90
Total fixed maturity securities:
Amortized cost	$	57,328	$	110,961	$	59,290	$	122,004	$	349,583		6.97
Fair value		57,701		114,702		61,833		135,011		369,247
Nominal yield		4.62		4.87		5.58		6.20		5.41
Total investment securities:
Amortized cost									$	349,583
Fair value										369,247
Nominal yield										5.41

¹ Calculated on a taxable equivalent basis using a 39% effective tax rate.

² Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

Available For Sale Securities

The amortized cost and fair value of available for sale securities are as follows (in thousands):

	June 30, 2011
					Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
U.S. Treasury	$	1,001	$	1,003	$	2	$	–		$	–
Municipal and other tax-exempt		68,502		70,210		2,375		(146	)		(521	)
Residential mortgage-backed securities:
U. S. agencies:
FNMA		5,359,939		5,524,849		166,016		(1,106	)		–
FHLMC		2,447,830		2,544,684		97,575		(721	)		–
GNMA		704,168		742,411		38,243		–			–
Other		76,971		81,845		4,874		–			–
Total U.S. agencies		8,588,908		8,893,789		306,708		(1,827	)		–
Private issue:
Alt-A loans		195,932		166,757		46		(104	)		(29,117	)
Jumbo-A loans		385,371		346,465		513		(11,949	)		(27,470	)
Total private issue		581,303		513,222		559		(12,053	)		(56,587	)
Total residential mortgage-backed securities		9,170,211		9,407,011		307,267		(13,880	)		(56,587	)
Other debt securities		5,900		5,893		–		(7	)		–
Perpetual preferred stock		19,511		22,694		3,183		–			–
Equity securities and mutual funds		38,683		60,197		21,516		(2	)		–
Total	$	9,303,808	$	9,567,008	$	334,343	$	(14,035	)	$	(57,108	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

	December 31, 2010
					Recognized in OCI¹
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
Municipal and other tax-exempt	$	72,190	$	72,942	$	1,172	$	(315	)	$	(105	)
Residential mortgage-backed securities:
U. S. agencies:
FNMA		4,791,438		4,925,693		147,024		(12,769	)		–
FHLMC		2,545,208		2,620,066		83,341		(8,483	)		–
GNMA		765,046		801,993		37,193		(246	)		–
Other		92,013		99,157		7,144		–			–
Total U.S. agencies		8,193,705		8,446,909		274,702		(21,498	)		–
Private issue:
Alt-A loans		220,332		186,674		–		(353	)		(33,305	)
Jumbo-A loans		494,098		457,535		923		(14,067	)		(23,419	)
Total private issue		714,430		644,209		923		(14,420	)		(56,724	)
Total residential mortgage-backed securities		8,908,135		9,091,118		275,625		(35,918	)		(56,724	)
Other debt securities		6,401		6,401		–		–			–
Perpetual preferred stock		19,511		22,114		2,603		–			–
Equity securities and mutual funds		29,181		43,046		14,192		(327	)		–
Total	$	9,035,418	$	9,235,621	$	293,592	$	(36,560	)	$	(56,829	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

	June 30, 2010
					Recognized in OCI1
	Amortized		Fair		Gross Unrealized
	Cost		Value		Gain		Loss			OTTI²
Municipal and other tax-exempt
Residential mortgage-backed securities:	$	66,053	$	66,439	$	1,460	$	(1,074	)	$	–
U. S. agencies:
FNMA		4,148,758		4,319,324		174,183		(3,617	)		–
FHLMC		2,680,437		2,776,620		96,183		–			–
GNMA		972,348		1,011,522		40,707		(1,533	)		–
Other		107,564		116,253		8,689		–			–
Total U.S. agencies		7,909,107		8,223,719		319,762		(5,150	)		–
Private issue:
Alt-A loans		230,058		176,489		–		(1,350	)		(52,219	)
Jumbo-A loans		619,415		559,027		1,536		(27,665	)		(34,259	)
Total private issue		849,473		735,516		1,536		(29,015	)		(86,478	)
Total residential mortgage-backed securities		8,758,580		8,959,235		321,298		(34,165	)		(86,478	)
Other debt securities		12,971		13,064		120		(27	)		–
Perpetual preferred stock		19,224		19,881		790		(133	)		–
Equity securities and mutual funds		33,561		47,209		14,170		(522	)		–
Total	$	8,890,389	$	9,105,828	$	337,838	$	(35,921	)	$	(86,478	)

¹ Other comprehensive income

² Amounts represent unrealized loss that remains in OCI after an other-than-temporary credit loss has been recognized in income.

The amortized cost and fair values of available for sale securities at June 30, 2011, by contractual maturity, are as shown in the following table (dollars in thousands):

											Weighted
	Less than		One to		Six to		Over				Average
	One Year		Five Years		Ten Years		Ten Years6		Total		Maturity5
U.S. Treasuries:
Amortized cost	$	1,001	$	–	$	–	$	–	$	1,001		1.84
Fair value		1,003		–		–		–		1,003
Nominal yield¹		0.55		–		–		–		0.55
Municipal and other tax-exempt:
Amortized cost		744		6,941		12,575		48,242		68,502		19.75
Fair value		752		8,077		13,678		47,703		70,210
Nominal yield¹		3.30		4.12		4.08		0.95		1.87
Other debt securities:
Amortized cost		–		–		–		5,900		5,900		32.46
Fair value		–		–		–		5,893		5,893
Nominal yield¹		–		–		–		1.71		1.71
Total fixed maturity securities:
Amortized cost	$	1,745	$	6,941	$	12,575	$	54,142	$	75,403		20.51
Fair value		1,755		8,077		13,678		53,596		77,106
Nominal yield		3.30		3.67		4.08		1.03		1.84
Mortgage-backed securities:
Amortized cost										9,170,211		²
Fair value										9,407,011
Nominal yield4										3.79
Equity securities and mutual funds:
Amortized cost										58,194		³
Fair value										82,891
Nominal yield										0.69
Total available-for-sale securities:
Amortized cost									$	9,303,808
Fair value										9,567,008
Nominal yield										3.76

¹ Calculated on a taxable equivalent basis using a 39% effective tax rate.

² The average expected lives of mortgage-backed securities were 2.92 years based upon current prepayment assumptions.

³ Primarily restricted common stock of U.S. government agencies and preferred stock of corporate issuers with no stated maturity.

4 The nominal yield on mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments.

5 Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

6 Nominal yield on municipal and other tax-exempt securities and other debt securities with contractual maturity dates over ten years are based on variable rates which generally are reset within 35 days.

Sales of available for sale securities resulted in gains and losses as follows (in thousands):

	Three Months Ended June 30,				Six Months Ended June 30,
	2011		2010		2011		2010
Proceeds	$	771,536	$	594,990	$	1,411,220	$	915,138
Gross realized gains		6,205		8,469		17,172		13,826
Gross realized losses		3,654		–		7,809		–
Related federal and state income tax expense		904		2,778		3,454		4,576

Gains and losses on sales of available for sale securities are recognized in the Consolidated Statement of Earnings on trade date and presented as realized in the previous table on settlement date.

In addition to securities that have been reclassified as pledged to creditors, securities with an amortized cost of $3.6 billion at June 30, 2011, $5.3 billion at December 31, 2010 and $4.8 billion at June 30, 2010 have been pledged as collateral for repurchase agreements, public and trust funds on deposit and for other purposes, as required by law.  The secured parties do not have the right to sell or re-pledge these securities.

Temporarily Impaired Securities as of June 30, 2011

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax exempt		2	$	619	$	4	$	–	$	–	$	619	$	4
Available for sale:
Municipal and other tax-exempt1		51		24,065		301		19,593		366		43,658		667
Residential mortgage-backed securities:
U. S. agencies:
FNMA		7		230,949		1,106		–		–		230,949		1,106
FHLMC		2		98,169		721		–		–		98,169		721
Total U.S. agencies		9		329,118		1,827		–		–		329,118		1,827
Private issue1:
Alt-A loans		20		–		–		156,796		29,221		156,796		29,221
Jumbo-A loans		39		–		–		301,397		39,419		301,397		39,419
Total private issue		59		–		–		458,193		68,640		458,193		68,640
Total residential mortgage-backed securities		68		329,118		1,827		458,193		68,640		787,311		70,467
Other debt securities		2		–		–		993		7		993		7
Equity securities and mutual funds		1		213		2		–		–		213		2
Total available for sale		122		353,396		2,130		478,779		69,013		832,175		71,143
Total		124	$	354,015	$	2,134	$	478,779	$	69,013	$	832,794	$	71,147

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Municipal and other tax-exempt	21	$	6,948	$	244	$	7,115	$	277	$	14,063	$	521
Alt-A loans	19		–		–		153,632		29,117		153,632		29,117
Jumbo-A loans	21		–		–		138,205		27,470		138,205		27,470

Temporarily Impaired Securities as of December 31, 2010

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax- exempt		37	$	12,482	$	211	$	786	$	22	$	13,268	$	233
Other		15		80,698		1,632		–		–		80,698		1,632
Total investment		52		93,180		1,843		786		22		93,966		1,865
Available for sale:
Municipal and other tax-exempt1		42		22,271		171		25,235		249		47,506		420
Residential mortgage-backed securities:
U. S. agencies:
FNMA		26		1,099,710		12,769		–		–		1,099,710		12,769
FHLMC		12		491,776		8,483		–		–		491,776		8,483
GNMA		3		5,681		246		–		–		5,681		246
Total U.S. agencies		41		1,597,167		21,498		–		–		1,597,167		21,498
Private issue1:
Alt-A loans		22		–		–		186,675		33,658		186,675		33,658
Jumbo-A loans		53		–		–		417,917		37,486		417,917		37,486
Total private issue		75		–		–		604,592		71,144		604,592		71,144
Total residential mortgage-backed securities		116		1,597,167		21,498		604,592		71,144		2,201,759		92,642
Equity securities and mutual funds		2		–		–		2,878		327		2,878		327
Total available for sale		160		1,619,438		21,669		632,705		71,720		2,252,143		93,389
Total		212	$	1,712,618	$	23,512	$	633,491	$	71,742	$	2,346,109	$	95,254

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Municipal and other tax-exempt	11	$	10,713	$	105	$	–	$	–	$	10,713	$	105
Alt-A loans	19		–		–		172,153		33,305		172,153		33,305
Jumbo-A loans	25		–		–		166,401		23,419		166,401		23,419

Temporarily Impaired Securities as of June 30, 2010

(In thousands)

	Number		Less Than 12 Months				12 Months or Longer				Total
	of		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Securities		Value		Loss		Value		Loss		Value		Loss
Investment:
Municipal and other tax exempt		13	$	5,606	$	31	$	1,437	$	10	$	7,043	$	41
Other debt securities		1		14,215		235		–		–		14,215		235
Available for sale:
Municipal and other tax-exempt		23		32,325		1,074		–		–		32,325		1,074
Residential mortgage-backed securities:
U. S. agencies:
FNMA		6		166,825		3,617		–		–		166,825		3,617
GNMA		2		45,693		1,533		–		–		45,693		1,533
Total U.S. agencies		8		212,518		5,150		–		–		212,518		5,150
Private issue1:
Alt-A loans		20		–		–		176,489		53,569		176,489		53,569
Jumbo-A loans		55		–		–		480,782		61,924		480,782		61,924
Total private issue		75		–		–		657,271		115,493		657,271		115,493
Total residential mortgage-backed securities		83		212,518		5,150		657,271		115,493		869,789		120,643
Other debt securities		7		4,965		27		29		–		4,994		27
Equity securities and mutual funds		3		2,681		523		3,606		132		6,287		655
Total available for sale		116		252,489		6,774		660,906		115,625		913,395		122,399
Total		130	$	272,310	$	7,040	$	662,343	$	115,635	$	934,653	$	122,675

¹ Includes the following securities for which an unrealized loss remains in OCI after an other-than-temporary credit loss has been recognized in income:

Alt-A loans	16	$	–	$	–	$	153,012	$	52,219	$	153,012	$	52,219
Jumbo-A loans	25		–		–		160,872		34,259		160,872		34,259

At June 30, 2011, the composition of the Company's investment and available for sale securities portfolios by the lowest current credit rating assigned by any of the three nationally-recognized rating agencies is as follows (in thousands):

	U.S. Govt / GSE 1				AAA - AA				A - BBB				Below Investment Grade				Not Rated				Total
	Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair		Amortized		Fair
	Cost		Value		Cost		Value		Cost		Value		Cost		Value		Cost		Value		Cost		Value
Investment:
Municipal and other tax-exempt	$	–	$	–	$	58,023	$	59,743	$	29,898	$	30,679	$	–	$	–	$	72,949	$	75,027	$	160,870	$	165,449
Other debt securities		–		–		180,334		195,332		1,350		1,350		–		–		7,029		7,116		188,713		203,798
Total	$	–	$	–	$	238,357	$	255,075	$	31,248	$	32,029	$	–	$	–	$	79,978	$	82,143	$	349,583	$	369,247
Available for Sale:
U.S. Treasury	$	1,001	$	1,003	$	–	$	–	$	–	$	–	$	–	$	–	$	–	$	–	$	1,001	$	1,003
Municipal and other tax-exempt		–		–		39,996		42,024		11,941		11,986		14,584		14,063		1,981		2,137		68,502		70,210
Residential mortgage-backed securities:
U. S. agencies:
FNMA		5,359,939		5,524,849		–		–		–		–		–		–		–		–		5,359,939		5,524,849
FHLMC		2,447,830		2,544,684		–		–		–		–		–		–		–		–		2,447,830		2,544,684
GNMA		704,168		742,411		–		–		–		–		–		–		–		–		704,168		742,411
Other		76,971		81,845		–		–		–		–		–		–		–		–		76,971		81,845
Total U.S. agencies		8,588,908		8,893,789		–		–		–		–		–		–		–		–		8,588,908		8,893,789
Private issue:
Alt-A loans		–		–		3,269		3,164		9,914		9,961		182,749		153,632		–		–		195,932		166,757
Jumbo-A loans		–		–		32,106		31,379		66,618		61,397		286,647		253,689		–		–		385,371		346,465
Total private issue		–		–		35,375		34,543		76,532		71,358		469,396		407,321		–		–		581,303		513,222
Total residential  mortgage-backed securities		8,588,908		8,893,789		35,375		34,543		76,532		71,358		469,396		407,321		–		–		9,170,211		9,407,011
Other debt securities		–		–		5,900		5,893		–		–		–		–		–		–		5,900		5,893
Perpetual preferred stock		–		–		–		–		19,511		22,694		–		–		–		–		19,511		22,694
Equity securities and mutual funds		–		–		–		–		–		–		–		–		38,683		60,197		38,683		60,197
Total	$	8,589,909	$	8,894,792	$	81,271	$	82,460	$	107,984	$	106,038	$	483,980	$	421,384	$	40,664	$	62,334	$	9,303,808	$	9,567,008

1 U.S. government and government sponsored enterprises are not rated by the nationally-recognized rating agencies as these securities are guaranteed by agencies of the U.S. government or government-sponsored enterprises.

Distribution of Amortized Cost And Fair Value

A distribution of the amortized cost (after recognition of the other-than-temporary impairment) and fair value by current loan to value ratio for our below investment grade private label residential mortgage-backed securities is as follows (in thousands):

							Credit Losses Recognized
							Three months ended June 30, 2011				Life-to-date
Current LTV Ratio	Number of Securities		Amortized Cost		Fair Value		Number of Securities		Amount		Number of Securities		Amount
< 70 %		5	$	28,550	$	26,598		–	$	–		–	$	–
70 < 75		–		–		–		–		–		–		–
75 < 80		3		38,159		35,453		–		–		–		–
80 < 85		2		29,636		26,927		1		255		1		3,603
>= 85		50		373,051		318,343		33		4,048		43		56,904
Total		60	$	469,396	$	407,321		34	$	4,303		44	$	60,507

Roll Forward of Amount of Credit-Related Other-than-temporary Impairment Recognized in Earnings

The following is a tabular roll forward of the amount of credit-related OTTI recognized on available for sale debt securities in earnings (in thousands):

	Three Months Ended June 30,				Six Months Ended June 30,
	2011		2010		2011		2010
Balance of credit-related OTTI recognized on available for sale debt, beginning of period	$	57,223	$	29,367	$	52,624	$	25,142
Additions for credit-related OTTI not previously recognized		37		791		37		1,789
Additions for increases in credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost		4,787		1,855		9,386		5,082
Balance of credit-related OTTI recognized on available for sale debt securities, end of period	$	62,047	$	32,013	$	62,047	$	32,013

XML



Employee Benefits (Details) (USD $) In Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Compensation And Retirment Disclosure [Abstract]
Periodic pension cost recognized in period	$ 1,200	$ 955	$ 1,900	$ 1,600
Pension contribution for current annual period			the maximum allowable contribution for 2011 is 28 million. No minimum contribution is required for 2011.

XML



Loans (Tables)

6 Months Ended

Jun. 30, 2011

Loans [Abstract]

Schedule of the components of loan portfolio

Significant components of the loan portfolio are as follows (in thousands):

	June 30, 2011								December 31, 2010
	Fixed		Variable						Fixed		Variable
	Rate		Rate		Nonaccrual		Total		Rate		Rate		Nonaccrual		Total
Commercial	$	2,830,388	$	3,294,843	$	53,365	$	6,178,596	$	2,883,905	$	3,011,636	$	38,455	$	5,933,996
Commercial real estate		872,696		1,200,656		110,363		2,183,715		829,836		1,297,148		150,366		2,277,350
Residential mortgage		920,063		916,241		31,693		1,867,997		851,048		939,774		37,426		1,828,248
Consumer		292,385		210,102		4,749		507,236		369,364		229,511		4,567		603,442
Total	$	4,915,532	$	5,621,842	$	200,170	$	10,737,544	$	4,934,153	$	5,478,069	$	230,814	$	10,643,036
Accruing loans past due (90 days)1							$	2,341							$	7,966

1   Excludes residential mortgage loans guaranteed by agencies of the U.S. government

Schedule of Allowance For Loan Losses And Recorded Investment by Impairment Methodology

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2011 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,125,434	$	111,131	$	53,162	$	2,440	$	6,178,596	$	113,571
Commercial real estate		2,073,352		88,611		110,363		3,139		2,183,715		91,750
Residential mortgage		1,857,112		44,254		10,885		989		1,867,997		45,243
Consumer		505,315		8,807		1,921		115		507,236		8,922
Total		10,561,213		252,803		176,331		6,683		10,737,544	$	259,486
Nonspecific allowance		–		–		–		–		–		27,125
Total	$	10,561,213	$	252,803	$	176,331	$	6,683	$	10,737,544	$	286,611

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2010 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	5,895,674	$	102,565	$	38,322	$	2,066	$	5,933,996	$	104,631
Commercial real estate		2,126,984		94,502		150,366		4,207		2,277,350		98,709
Residential mortgage		1,816,184		49,500		12,064		781		1,828,248		50,281
Consumer		601,691		12,536		1,751		78		603,442		12,614
Total		10,440,533		259,103		202,503		7,132		10,643,036		266,235
Nonspecific allowance		–		–		–		–		–		26,736
Total	$	10,440,533	$	259,103	$	202,503	$	7,132	$	10,643,036	$	292,971

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended June 30, 2011 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific allowance		Total
Allowance for loans losses:
Beginning balance	$	113,706		$	94,535		$	45,649		$	10,410		$	25,249	$	289,549
Provision for loan losses		980			289			2,721			(286	)		1,876		5,580
Loans charged off		(3,302	)		(3,380	)		(3.381	)		(2,711	)		–		(12,774	)
Recoveries		2,187			306			254			1,509			–		4,256
Ending balance	$	113,571		$	91,750		$	45,243		$	8,922		$	27,125	$	286,611
Allowance for off-balance sheet credit losses:
Beginning balance	$	12,256		$	875		$	155		$	339		$	–	$	13,625
Provision for off-balance sheet credit losses		(3,020	)		145			25			(30	)		–		(2,880	)
Ending balance	$	9,236		$	1,020		$	180		$	309		$	–	$	10,745
Total provision for credit losses	$	(2,040	)	$	434		$	2,746		$	(316	)	$	1,876	$	2,700

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the six months ended June 30, 2011 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific allowance		Total
Allowance for loans losses:
Beginning balance	$	104,631		$	98,709		$	50,281		$	12,614		$	26,736	$	292,971
Provision for loan losses		10,836			2,665			(45	)		(1,369	)		389		12,476
Loans charged off		(5,654	)		(10,273	)		(6,329	)		(5,750	)		–		(28,006	)
Recoveries		3,758			649			1,336			3,427			–		9,170
Ending balance	$	113,571		$	91,750		$	45,243		$	8,922		$	27,125	$	286,611
Allowance for off-balance sheet credit losses:
Beginning balance	$	13,456		$	443		$	131		$	241		$	–	$	14,271
Provision for off-balance sheet credit losses		(4,220	)		577			49			68			–		(3,526	)
Ending balance	$	9,236		$	1,020		$	180		$	309		$	–	$	10,745
Total provision for credit losses	$	6,616		$	3,242		$	4		$	(1,301	)	$	389	$	8,950

Schedule Of Allowance For Loan Losses and Recorded Investment By Portfolio Segment For Risk Graded and Non-risk Graded Loans

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2011 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,159,735	$	111,392	$	18,861	$	2,179	$	6,178,596	$	113,571
Commercial real estate		2,183,715		91,750		–		–		2,183,715		91,750
Residential mortgage		350,986		7,911		1,517,011		37,332		1,867,997		45,243
Consumer		220,222		1,877		287,014		7,045		507,236		8,922
Total		8,914,658		212,930		1,822,886		46,556		10,737,544		259,486
Nonspecific allowance		–		–		–		–		–		27,125
Total	$	8,914,658	$	212,930	$	1,822,886	$	46,556	$	10,737,544	$	286,611

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2010 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	5,914,178	$	102,259	$	19,818	$	2,372	$	5,933,996	$	104,631
Commercial real estate		2,277,350		98,709		–		–		2,277,350		98,709
Residential mortgage		451,874		8,356		1,376,374		41,925		1,828,248		50,281
Consumer		246,350		1,881		357,092		10,733		603,442		12,614
Total		8,889,752		211,205		1,753,284		55,030		10,643,036		266,235
Nonspecific allowance		–		–		–		–		–		26,736
Total	$	8,889,752	$	211,205	$	1,753,284	$	55,030	$	10,643,036	$	292,971

The following table summarizes the Company's loan portfolio at June 30, 2011 by the risk grade categories (in thousands):

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	1,677,809	$	4,688	$	345	$	–	$	–	$	1,682,842
Services		1,663,313		33,490		16,254		–		–		1,713,057
Wholesale/retail		1,002,113		40,935		25,138		–		–		1,068,186
Manufacturing		359,958		2,827		4,366		–		–		367,151
Healthcare		860,354		2,992		5,962		–		–		869,308
Integrated food services		194,514		1,260		–		–		–		195,774
Other commercial and industrial		258,910		3,410		1,097		18,658		203		282,278
Total commercial		6,016,971		89,602		53,162		18,658		203		6,178,596
Commercial real estate:
Construction and land development		275,077		15,750		76,265		–		–		367,092
Retail		426,839		7,013		4,642		–		–		438,494
Office		456,281		14,751		11,473		–		–		482,505
Multifamily		325,085		5,860		4,717		–		–		335,662
Industrial		161,879		288		–		–		–		162,167
Other commercial real estate		363,491		21,038		13,266		–		–		397,795
Total commercial real estate		2,008,652		64,700		110,363		–		–		2,183,715
Residential mortgage:
Permanent mortgage		326,349		13,752		10,885		783,084		17,106		1,151,176
Permanent mortgages guaranteed by U.S. government agencies		–		–		–		134,458		–		134,458
Home equity		–		–		–		578,661		3,702		582,363
Total residential mortgage		326,349		13,752		10,885		1,496,203		20,808		1,867,997
Consumer:
Indirect automobile		–		–		–		159,771		2,729		162,500
Other consumer		215,056		3,245		1,921		124,415		99		344,736
Total consumer		215,056		3,245		1,921		284,186		2,828		507,236
Total	$	8,567,028	$	171,299	$	176,331	$	1,799,047	$	23,839	$	10,737,544

The following table summarizes the Company's loan portfolio at December 31, 2010 by the risk grade categories (in thousands):

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	1,704,401	$	6,543	$	465	$	–	$	–	$	1,711,409
Services		1,531,239		30,420		19,262		–		–		1,580,921
Wholesale/retail		956,397		45,363		8,486		–		–		1,010,246
Manufacturing		319,075		4,000		2,116		–		–		325,191
Healthcare		801,525		4,566		3,534		–		–		809,625
Integrated food services		202,885		1,385		13		–		–		204,283
Other commercial and industrial		267,949		108		4,446		19,685		133		292,321
Total commercial		5,783,471		92,385		38,322		19,685		133		5,933,996
Commercial real estate:
Construction and land development		326,769		21,516		99,579		–		–		447,864
Retail		395,094		5,468		4,978		–		–		405,540
Office		420,899		16,897		19,654		–		–		457,450
Multifamily		355,733		6,784		6,725		–		–		369,242
Industrial		177,712		294		4,087		–		–		182,093
Other commercial real estate		390,969		8,849		15,343		–		–		415,161
Total commercial real estate		2,067,176		59,808		150,366		–		–		2,277,350
Residential mortgage:
Permanent mortgage		420,407		19,403		12,064		730,638		20,047		1,202,559
Permanent mortgages guaranteed by U.S. government agencies		–		–		–		72,385		–		72,385
Home equity		–		–		–		547,989		5,315		553,304
Total residential mortgage		420,407		19,403		12,064		1,351,012		25,362		1,828,248
Consumer:
Indirect automobile		–		–		–		237,050		2,526		239,576
Other consumer		240,243		4,356		1,751		117,226		290		363,866
Total consumer		240,243		4,356		1,751		354,276		2,816		603,442
Total	$	8,511,297	$	175,952	$	202,503	$	1,724,973	$	28,311	$	10,643,036

Summary of Risk-Graded Impaired Loans

A summary of risk-graded impaired loans follows (in thousands):

	As of June 30, 2011										For the three months				For the six months
			Recorded Investment								ended June 30, 2011				ended June 30, 2011
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	345	$	345	$	345	$	–	$	–	$	380	$	–	$	405	$	–
Services		26,441		16,254		15,525		729		273		15,987		–		17,758		–
Wholesale/retail		31,770		25,138		22,751		2,387		1,742		27,775		–		16,812		–
Manufacturing		9,259		4,366		2,012		2,354		259		4,456		–		3,241		–
Healthcare		7,659		5,962		5,103		859		166		4,268		–		4,748		–
Integrated food services		–		–		–		–		–		3		–		7		–
Other commercial and industrial		8,596		1,097		1,097		–		–		2,363		–		2,772		–
Total commercial		84,070		53,162		46,833		6,329		2,440		55,232		–		45,743		–
Commercial real estate:
Construction and land development		115,337		76,265		65,094		11,171		1,966		83,486		–		87,922		–
Retail		5,652		4,642		1,855		2,787		612		4,959		–		4,810		–
Office		14,749		11,473		9,713		1,760		207		13,051		–		15,564		–
Multifamily		5,381		4,717		4,717		–		–		3,309		–		5,721		–
Industrial		–		–		–		–		–		–		–		2,044		–
Other real estate loans		15,203		13,266		11,755		1,511		354		13,130		–		14,305		–
Total commercial real estate		156,322		110,363		93,134		17,229		3,139		117,935		–		130,366		–
Residential mortgage:
Permanent mortgage		12,122		10,885		5,016		5,869		989		11,479		–		11,475		–
Home equity		–		–		–		–		–		–		–		–		–
Total residential mortgage		12,122		10,885		5,016		5,869		989		11,479		–		11,475		–
Consumer:
Indirect automobile		–		–		–		–		–		–		–		–		–
Other consumer		2,449		1,921		1,348		573		115		2,244		–		1,836		–
Total consumer		2,449		1,921		1,348		573		115		2,244		–		1,836		–
Total	$	254,963	$	176,331	$	146,331	$	30,000	$	6,683	$	186,890	$	–	$	189,420	$	–

A summary of risk-graded impaired loans at December 31, 2010 follows (in thousands):

			Recorded Investment
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Energy	$	559	$	465	$	404	$	61	$	60
Services		28,579		19,262		15,985		3,277		1,227
Wholesale/retail		14,717		8,486		7,562		924		684
Manufacturing		5,811		2,116		2,116		–		–
Healthcare		4,701		3,534		2,743		791		95
Integrated food services		172		13		13		–		–
Other commercial and industrial		13,007		4,446		4,446		–		–
Total commercial		67,546		38,322		33,269		5,053		2,066
Commercial real estate:
Construction and land development		138,922		99,579		84,959		14,620		2,428
Retail		6,111		4,978		1,968		3,010		514
Office		25,702		19,654		18,798		856		106
Multifamily		24,368		6,725		6,129		596		115
Industrial		4,087		4,087		–		4,087		723
Other real estate loans		17,129		15,343		13,802		1,541		321
Total commercial real estate		216,319		150,366		125,656		24,710		4,207
Residential mortgage:
Permanent mortgage		15,258		12,064		8,574		3,490		781
Home equity		–		–		–		–		–
Total residential mortgage		15,258		12,064		8,574		3,490		781
Consumer:
Indirect automobile		–		–		–		–		–
Other consumer		1,909		1,751		1,506		245		78
Total consumer		1,909		1,751		1,506		245		78
Total	$	301,032	$	202,503	$	169,005	$	33,498	$	7,132

Summary of loans by aging status

A summary of loans currently performing, loans 30 to 89 days past due and accruing, loans 90 days or more past due and accruing and nonaccrual loans as of June 30, 2011 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	1,682,344	$	153	$	–	$	345	$	1,682,842
Services		1,691,451		3,759		1,593		16,254		1,713,057
Wholesale/retail		1,041,864		697		487		25,138		1,068,186
Manufacturing		362,785		–		–		4,366		367,151
Healthcare		863,169		177		–		5,962		869,308
Integrated food services		195,774		–		–		–		195,774
Other commercial and industrial		280,729		192		57		1,300		282,278
Total commercial		6,118,116		4,978		2,137		53,365		6,178,596
Commercial real estate:
Construction and land development		288,494		2,333		–		76,265		367,092
Retail		430,941		2,911		–		4,642		438,494
Office		468,712		2,320		–		11,473		482,505
Multifamily		330,945		–		–		4,717		335,662
Industrial		161,783		384		–		–		162,167
Other real estate loans		381,961		2,393		175		13,266		397,795
Total commercial real estate		2,062,836		10,341		175		110,363		2,183,715
Residential mortgage:
Permanent mortgage		1,104,450		18,735		–		27,991		1,151,176
Permanent mortgages guaranteed by U.S. government agencies		8,426		3,728		122,304		–		134,458
Home equity		576,203		2,450		8		3,702		582,363
Total residential mortgage		1,689,079		24,913		122,312		31,693		1,867,997
Consumer:
Indirect automobile		152,496		7,256		19		2,729		162,500
Other consumer		341,683		1,031		2		2,020		344,736
Total consumer		494,179		8,287		21		4,749		507,236
Total	$	10,364,210	$	48,519	$	124,645	$	200,170	$	10,737,544

A summary of loans currently performing, loans 30 to 89 days past due and accruing, loans 90 days or more past due and accruing and nonaccrual loans as of December 31, 2010 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	1,707,466	$	507	$	2,971	$	465	$	1,711,409
Services		1,558,120		3,196		343		19,262		1,580,921
Wholesale/retail		1,001,422		315		23		8,486		1,010,246
Manufacturing		321,102		168		1,805		2,116		325,191
Healthcare		805,124		75		892		3,534		809,625
Integrated food services		204,199		71		–		13		204,283
Other commercial and industrial		287,357		111		274		4,579		292,321
Total commercial		5,884,790		4,443		6,308		38,455		5,933,996
Commercial real estate:
Construction and land development		344,016		3,170		1,099		99,579		447,864
Retail		394,445		6,117		–		4,978		405,540
Office		437,496		300		–		19,654		457,450
Multifamily		362,517		–		–		6,725		369,242
Industrial		177,660		346		–		4,087		182,093
Other real estate loans		395,320		4,301		197		15,343		415,161
Total commercial real estate		2,111,454		14,234		1,296		150,366		2,277,350
Residential mortgage:
Permanent mortgage		1,148,271		22,177		–		32,111		1,202,559
Permanent mortgages guaranteed by U.S. government agencies		10,451		4,342		57,592		–		72,385
Home equity		546,384		1,605		–		5,315		553,304
Total residential mortgage		1,705,106		28,124		57,592		37,426		1,828,248
Consumer:
Indirect automobile		225,601		11,382		67		2,526		239,576
Other consumer		360,603		927		295		2,041		363,866
Total consumer		586,204		12,309		362		4,567		603,442
Total	$	10,287,554	$	59,110	$	65,558	$	230,814	$	10,643,036

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Significant Accounting Policies

6 Months Ended

Jun. 30, 2011

Significant Accounting Policies [Abstract]

Significant Accounting Policies

(1) Significant Accounting Policies

Basis of Presentation

The accompanying unaudited condensed consolidated financial statements of BOK Financial Corporation (“BOK Financial” or “the Company”) have been prepared in accordance with accounting principles for interim financial information generally accepted in the United States and with the instructions to Form 10-Q and Article 10 of Regulation S-X.  Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.  In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.

The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOSC, Inc, Cavanal Hill Investment Management Inc. and Southwest Trust Company, N.A.  Operating divisions of the Bank include Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust, Bank of Kansas City and the TransFund electronic funds network.

Certain reclassifications have been made to conform to the current period presentation.

The financial information should be read in conjunction with BOK Financial's 2010 Form 10-K filed with the Securities and Exchange Commission, which contains audited financial statements.  Amounts presented as of December 31, 2010 have been derived from the audited financial statements included in BOK Financial's 2010 Form 10-K but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.  Operating results for the three-month and six-month periods ended June 30, 2011 are not necessarily indicative of the results that may be expected for the year ended December 31, 2011.

Newly Adopted and Pending Accounting Policies

Financial Accounting Standards Board (“FASB”)

FASB Accounting Standards Update No. 2010-06, “Improving Disclosures About Fair Value Measurements” (“ASU 2010-06”)

ASU 2010-06 amended the Accounting Standards Codification (“ASC”) 820 to add new disclosure requirements about transfers into and out of Levels 1 and 2, as defined in ASC 820 and separate disclosures about purchases, sales, issuance and settlements relating to Level 3 measurements, as defined in ASC 820. It also clarified existing fair value disclosures about the level of disaggregation and about inputs and valuation techniques used to measure fair value. ASU 2010-06 was effective for the Company on January 1, 2010 with exception of the requirement to provide Level 3 activity of purchases, sales, issuances, and settlement on a gross basis, which was effective for the Company on January 1, 2011. ASU 2010-06 did not have a significant impact on the Company's financial statements.

FASB Accounting Standards Update No. 2010-20 “Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses” (“ASU 2010-20”)

On July 21, 2010, the FASB issued ASU 2010-20 which expanded the disclosure requirements concerning the credit quality of an entity's financing receivables and its allowance for credit losses.  ASU 2010-20 was effective for the Company as of December 31, 2010 as it relates to disclosures required as of the end of the reporting period.  Disclosures related to activity during the reporting period were effective for the Company January 1, 2011.

FASB Accounting Standards Update No. 2010-28 “Intangibles – Goodwill and Other (Topic 530): When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts” (“ASU 2010-28”)

On December 17, 2010, the FASB issued ASU 2010-28, a consensus of the FASB Emerging Issues Task Force.  ASU 2010-28 modified Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts.  For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists.  The entity is no longer be able to assert that a reporting unit is not required to perform Step 2 because the carrying amount of the reporting unit is zero or negative.  The amendment was effective for the Company January 1, 2011 and is not expected to have a significant impact on the consolidated financial statements.

FASB Accounting Standards Update No. 2011-02 “Receivables (Topic 310): A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring” (“ASU 2011-02”)

On April 5, 2011, the FASB issued ASU 2011-02 to provide additional guidance or clarification to help creditors in determining whether a credit has granted a concession and whether a debtor is experiencing financial difficulties for the purposes of determining whether a restructuring constitutes a troubled debt restructuring.  ASU 2011-02 is effective for the Company on July 1, 2011 and will be applied retrospectively to the beginning of the annual period of adoption.  In addition, the disclosures required by ASU 2010-20 that were temporarily deferred by FASB Accounting Standard Update No. 2011-01 “Receivables (Topic 310): Deferral of the Effective Date of Disclosures about Troubled Debt Restructuring in Update No. 2010-20 are included in Note 4 for the period beginning July 1, 2011 as required.  ASU 2011-02 did not have a material impact on the Company's consolidated financial statements.

FASB Accounting Standards Update No. 2011-03 “Reconsideration of Effective Control for Repurchase Agreements” (ASU 2011-03”)

On April 29, 2011, the FASB issued ASU 2011-03 that eliminates the collateral maintenance requirement under GAAP for entities to consider in determining whether a transfer of financial assets subject to a repurchase agreement is accounted for a sale or as a secured borrowing.  ASU 2011-03 is effective for the Company for interim and annual periods beginning after December 15, 2011.  Early adoption is not permitted.  ASU 2011-03 is not expected to have a material impact on the Company's consolidate financial statements.

FASB Accounting Standards Update No. 2011-04 “Fair Value Measurement (Topic 820):  Amendments to Achieve Common Fair Value Measurements and Disclosure Requirements in U.S. GAAP and IFRSs” (“ASU 2011-04')

On May 12, 2011, the FASB issued ASU 2011-04 to provide clarified and converged guidance on fair value measurement and expand disclosures concerning fair value measurements.  ASU 2011-04 is largely consistent with the existing fair value measurement principles contained in ASC 820, “Fair Value Measurement.”  ASU 2011-04 is effective for the company for interim and annual periods beginning after December 15, 2011 and is not expected to have a material impact on the Company's financial statements.  Early application is not permitted.

FASB Accounting Standards Update No. 2011-05 “Comprehensive Income (Topic 220):  Presentation of Comprehensive Income” (“ASU 2011-05”)

On June 16, 2011 the FASB issued ASU 2011-05 which revises the manner in which entities present comprehensive income in their financial statements by removing the presentation option in ASC 220, “Comprehensive Income,” and requires entities to report components of comprehensive income in either a continuous statement of comprehensive income or two separate but consecutive statements.  ASU 2011-05 is effective for the Company for interim and annual periods beginning after December 15, 2011 and will be applied retrospectively for all periods presented in the financial statements.  Early adoption is permitted.  We have not elected early adoption.

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Reportable Segments

6 Months Ended

Jun. 30, 2011

Reportable Segments [Abstract]

Reportable Segments

(10)  Reportable Segments

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			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	86,067		$	21,357		$	7,184		$	2,261	$	57,132		$	174,001
Net interest revenue (expense) from internal sources		(7,225	)		7,597			3,476			–		(3,848	)		–
Total net interest revenue		78,842			28,954			10,660			2,261		53,284			174,001
Other operating revenue		36,104			46,340			42,699			–		6,027			131,170
Operating expense		54,594			58,130			46,899			–		26,695			186,318
Provision for credit losses		4,660			3,435			836			–		(6,231	)		2,700
Decrease in fair value of mortgage    service rights		–			(13,493	)		–			–		–			(13,493	)
Gain on financial instruments, net		–			11,145			–			–		645			11,790
Loss on repossessed assets, net		(3,147	)		(229	)		–			–		(22	)		(3,398	)
Income before taxes		52,545			11,152			5,624			2,261		39,470			111,052
Federal and state income tax		20,440			4,338			2,188			–		12,391			39,357
Net income		32,105			6,814			3,436			2,261		27,079			71,695
Net income attributable to non-controlling interest		–			–			–			–		2,688			2,688
Net income attributable to BOK Financial Corporation	$	32,105		$	6,814		$	3,436		$	2,261	$	24,391		$	69,007
Average assets	$	9,393,935		$	5,819,151		$	3,659,617		$	–	$	5,106,532		$	23,979,235
Average invested capital		867,491			271,353			176,069			–		1,335,976			2,650,889
Performance measurements:
Return on average assets		1.37	%		0.47	%		0.38	%							1.15	%
Return on average invested capital		14.84	%		10.07	%		7.83	%							10.44	%
Efficiency ratio		47.50	%		77.20	%		87.89	%							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			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	170,020		$	40,022		$	14,713		$	4,582	$	115,303		$	344,640
Net interest revenue (expense) from internal sources		(16,270	)		16,655			6,219			–		(6,604	)		–
Total net interest revenue		153,750			56,677			20,932			4,582		108,699			344,640
Other operating revenue		71,610			89,760			82,558			–		10,448			254,376
Operating expense		107,112			113,269			90,086			–		53,098			363,565
Provision for credit losses		11,437			7,035			1,280			–		(10,802	)		8,950
Decrease in fair value of mortgage    service rights		–			(10,364	)		–			–		–			(10,364	)
Gain on financial instruments, net		–			5,208			18			–		936			6,162
Loss on repossessed assets, net		(6,731	)		(421	)		–			–		(577	)		(7,729	)
Income before taxes		100,080			20,556			12,142			4,582		77,210			214,570
Federal and state income tax		38,931			7,996			4,723			–		26,459			78,109
Net income		61,149			12,560			7,419			4,582		50,751			136,461
Net income attributable to non-controlling interest		–			–			–			–		2,680			2,680
Net income attributable to BOK Financial Corporation	$	61,149		$	12,560		$	7,419		$	4,582	$	48,071		$	133,781
Average assets	$	9,283,264		$	5,940,101		$	3,643,497		$	–	$	4,982,749		$	23,849,611
Average invested capital		865,439			272,301			175,505			–		1,294,836			2,608,081
Performance measurements:
Return on average assets		1.33	%		0.43	%		0.41	%							1.13	%
Return on average invested capital		14.25	%		9.30	%		8.52	%							10.34	%
Efficiency ratio		47.53	%		77.35	%		87.05	%							60.69	%

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

	Commercial			Consumer			Wealth Management			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	85,129		$	21,498		$	8,358		$	2,327	$	64,801		$	182,113
Net interest revenue (expense) from internal sources		(12,633	)		11,444			2,391			–		(1,202	)		–
Total net interest revenue		72,496			32,942			10,749			2,327		63,599			182,113
Other operating revenue		33,531			50,439			42,020			–		3,723			129,713
Operating expense		50,578			61,613			43,829			–		19,790			175,810
Provision for credit losses		22,477			10,300			3,135			–		128			36,040
Decrease in fair value of mortgage    service rights		–			(19,458	)		–			–		–			(19,458	)
Gain on financial instruments, net		–			22,431			15			–		5,280			27,726
Gain (loss) on repossessed assets, net		(10,741	)		90			–			–		7			(10,644	)
Income before taxes		22,231			14,531			5,820			2,327		52,691			97,600
Federal and state income tax		8,648			5,653			2,264			–		15,477			32,042
Net income		13,583			8,878			3,556			2,327		37,214			65,558
Net income attributable to non-controlling interest		–			–			–			–		2,036			2,036
Net income attributable to BOK Financial Corporation	$	13,583		$	8,878		$	3,556		$	2,327	$	35,178		$	63,522
Average assets	$	8,982,359		$	6,197,861		$	3,355,079		$	–	$	4,909,508		$	23,444,807
Average invested capital		909,930			312,192			167,903			–		988,704			2,378,729
Performance measurements:
Return on average assets		0.61	%		0.57	%		0.43	%							1.09	%
Return on average invested capital		5.99	%		11.41	%		8.49	%							10.71	%
Efficiency ratio		47.70	%		73.89	%		83.06	%							59.56	%

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

	Commercial			Consumer			Wealth Management			Tax-Equivalent Adjustment		Funds Management and Other			BOK Financial Consolidated
Net interest income from external sources	$	170,027		$	40,993		$	16,987		$	4,743	$	131,937		$	364,687
Net interest income (expense) from internal sources		(25,016	)		23,323			5,412			–		(3,719	)		–
Total net interest revenue		145,011			64,316			22,399			4,743		128,218			364,687
Other operating revenue		63,213			93,661			79,340			–		7,424			243,638
Operating expense		100,401			117,782			84,901			–		45,391			348,475
Provision for credit losses		50,856			14,008			5,900			–		7,376			78,140
Decrease in fair value of mortgage    service rights		–			(5,526	)		–			–		–			(5,526	)
Gain on financial instruments, net		–			22,220			16			–		5,448			27,684
Gain (loss) on repossessed assets, net		(15,764	)		121			–			–		–			(15,643	)
Income before taxes		41,203			43,002			10,954			4,743		88,323			188,225
Federal and state income tax		16,028			16,728			4,261			–		25,308			62,325
Net income		25,175			26,274			6,693			4,743		63,015			125,900
Net income attributable to non-controlling interest		–			–			–			–		2,245			2,245
Net income attributable to BOK Financial Corporation	$	25,175		$	26,274		$	6,693		$	4,743	$	60,770		$	123,655
Average assets	$	9,078,390		$	6,178,632		$	3,321,811		$	–	$	4,821,760		$	23,400,593
Average invested capital		920,056			290,796			167,495			–		960,552			2,338,899
Performance measurements:
Return on average assets		0.56	%		0.86	%		0.41	%							1.07	%
Return on average invested capital		5.52	%		18.22	%		8.06	%							10.66	%
Efficiency ratio		48.22	%		74.56	%		83.45	%							57.28	%

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Derivatives, Interest Rate Risk Management Programs (Details) (USD $) In Millions	Jun. 30, 2011
Interest Rate Risk Management Programs [Abstract]
Notional Amount of Interest Rate Swaps	$ 44

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Significant Accounting Policies (Policies)

6 Months Ended

Jun. 30, 2011

Significant Accounting Policies [Abstract]

Principles of Consolidation

The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOSC, Inc, Cavanal Hill Investment Management Inc. and Southwest Trust Company, N.A.  Operating divisions of the Bank include Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust, Bank of Kansas City and the TransFund electronic funds network.

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Consolidated Statements of Earnings (USD $) In Thousands, except Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest revenue
Loans	$ 123,830	$ 131,102	$ 247,570	$ 263,046
Residential mortgage loans held for sale	1,505	2,177	2,844	3,924
Trading securities	434	542	848	1,152
Taxable securities	2,800	1,784	5,145	2,786
Tax-exempt securities	1,324	1,766	2,720	3,561
Total investment securities	4,124	3,550	7,865	6,347
Taxable securities	69,978	75,228	138,992	152,803
Tax-exempt securities	600	542	1,207	1,196
Total available for sale securities	70,578	75,770	140,199	153,999
Mortgage trading securities	5,243	4,448	8,473	8,483
Funds sold and resell agreements	3	8	7	16
Total interest revenue	205,717	217,597	407,806	436,967
Interest expense
Deposits	23,160	26,292	47,202	53,909
Borrowed funds	3,015	3,657	4,846	7,270
Subordinated debentures	5,541	5,535	11,118	11,101
Total interest expense	31,716	35,484	63,166	72,280
Net interest revenue	174,001	182,113	344,640	364,687
Provision for credit losses	2,700	36,040	8,950	78,140
Net interest revenue after provision for credit losses	171,301	146,073	335,690	286,547
Other operating revenue
Brokerage and trading revenue	23,725	24,754	49,101	45,789
Transaction card revenue	31,024	28,263	59,469	53,950
Trust fees and commissions	19,150	17,737	37,572	34,057
Deposit service charges and fees	23,857	28,797	46,337	55,589
Mortgage banking revenue	19,356	18,335	36,712	33,206
Bank-owned life insurance	2,872	2,908	5,735	5,880
Other revenue	7,842	7,374	16,174	15,012
Total fees and commissions	127,826	128,168	251,100	243,483
Gain on sales of assets, net	3,344	1,545	3,276	155
Gain (loss) on derivatives, net	1,225	7,272	(1,188)	6,931
Gain on mortgage trading securities, net	9,921	14,631	6,403	15,079
Gain on available for sale securities, net	5,468	8,469	10,370	12,545
Total other-than-temporary impairment losses	(74)	(10,959)	(74)	(20,667)
Portion of loss recognized in (reclassified from) other comprehensive income	(4,750)	8,313	(9,349)	13,796
Net impairment losses recognized in earnings	(4,824)	(2,646)	(9,423)	(6,871)
Total other operating revenue	142,960	157,439	260,538	271,322
Other operating expense
Personnel	105,603	97,054	205,597	193,878
Business promotion	4,777	4,945	9,401	8,923
Professional fees and services	6,258	6,668	13,716	13,069
Net occupancy and equipment	15,554	15,691	31,158	31,202
Insurance	4,771	5,596	10,957	12,129
Data processing and communications	24,428	21,940	46,931	42,249
Printing, postage and supplies	3,586	3,525	6,668	6,847
Net losses and expenses of repossessed assets	5,859	13,067	11,874	20,287
Amortization of intangible assets	896	1,323	1,792	2,647
Mortgage banking costs	8,968	10,380	15,439	19,647
Change in fair value of mortgage servicing rights	13,493	19,458	10,364	5,526
Other expense	9,016	6,265	17,761	13,240
Total other operating expense	203,209	205,912	381,658	369,644
Income before taxes	111,052	97,600	214,570	188,225
Federal and state income tax	39,357	32,042	78,109	62,325
Net income	71,695	65,558	136,461	125,900
Net income attributable to non-controlling interest	2,688	2,036	2,680	2,245
Net income attributable to BOK Financial Corporation	$ 69,007	$ 63,522	$ 133,781	$ 123,655
Earnings per share:
Basic	$ 1.01	$ 0.93	$ 1.96	$ 1.82
Diluted	$ 1.00	$ 0.93	$ 1.95	$ 1.81
Average shares used in computation:
Basic	67,898,483	67,605,807	67,900,279	67,599,349
Diluted	68,169,485	67,880,587	68,173,182	67,835,606
Dividends declared per share	$ 0.275	$ 0.25	$ 0.525	$ 0.49

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Loans Part 2 (Details) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010	Dec. 31, 2010
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	$ 10,561,213,000		$ 10,561,213,000		$ 10,440,533,000
Individually measured for impairment, recorded investment	176,331,000		176,331,000		202,503,000
Total	10,737,544,000	10,882,717,000	10,737,544,000	10,882,717,000	10,643,036,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	252,803,000		252,803,000		259,103,000
Individually measured for impairment, related allowance	6,683,000		6,683,000		7,132,000
Total measured for impairment, related allowance	286,611,000	299,489,000	286,611,000	299,489,000
Activity in allowance for credit losses [Abstract]
Beginning balance	289,549,000		292,971,000
Provision for loan losses	5,580,000		12,476,000
Loans charged off	(12,774,000)		(28,006,000)
Recoveries	4,256,000		9,170,000
Ending balance	286,611,000	299,489,000	286,611,000	299,489,000
Allowance for off-balance sheet credit losses [Abstract]
Beginning balance	13,625,000		14,271,000
Provision for off-balance sheet credit losses	(2,880,000)		(3,526,000)
Ending balance	10,745,000		10,745,000
Total provision for credit losses - Ending balance	2,700,000	36,040,000	8,950,000	78,140,000
Commercial Portfolio Segment [Member]
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	6,125,434,000		6,125,434,000		5,895,674,000
Individually measured for impairment, recorded investment	53,162,000		53,162,000		38,322,000
Total	6,178,596,000		6,178,596,000		5,933,996,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	111,131,000		111,131,000		102,565,000
Individually measured for impairment, related allowance	2,440,000		2,440,000		2,066,000
Total measured for impairment, related allowance	113,571,000		113,571,000
Activity in allowance for credit losses [Abstract]
Beginning balance	113,706,000		104,631,000
Provision for loan losses	980,000		10,836,000
Loans charged off	(3,302,000)		(5,654,000)
Recoveries	2,187,000		3,758,000
Ending balance	113,571,000		113,571,000
Allowance for off-balance sheet credit losses [Abstract]
Beginning balance	12,256,000		13,456,000
Provision for off-balance sheet credit losses	(3,020,000)		(4,220,000)
Ending balance	9,236,000		9,236,000
Total provision for credit losses - Ending balance	(2,040,000)		6,616,000
Commercial Real Estate Portfolio Segment [Member]
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	2,073,352,000		2,073,352,000		2,126,984,000
Individually measured for impairment, recorded investment	110,363,000		110,363,000		150,366,000
Total	2,183,715,000		2,183,715,000		2,277,350,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	88,611,000		88,611,000		94,502,000
Individually measured for impairment, related allowance	3,139,000		3,139,000		4,207,000
Total measured for impairment, related allowance	91,750,000		91,750,000
Activity in allowance for credit losses [Abstract]
Beginning balance	94,535,000		98,709,000
Provision for loan losses	289,000		2,665,000
Loans charged off	(3,380,000)		(10,273,000)
Recoveries	306,000		649,000
Ending balance	91,750,000		91,750,000
Allowance for off-balance sheet credit losses [Abstract]
Beginning balance	875,000		443,000
Provision for off-balance sheet credit losses	145,000		577,000
Ending balance	1,020,000		1,020,000
Total provision for credit losses - Ending balance	434,000		3,242,000
Residential Portfolio Segment [Member]
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	1,857,112,000		1,857,112,000		1,816,184,000
Individually measured for impairment, recorded investment	10,885,000		10,885,000		12,064,000
Total	1,867,997,000		1,867,997,000		1,828,248,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	44,254,000		44,254,000		49,500,000
Individually measured for impairment, related allowance	989,000		989,000		781,000
Total measured for impairment, related allowance	45,243,000		45,243,000
Activity in allowance for credit losses [Abstract]
Beginning balance	45,649,000		50,281,000
Provision for loan losses	2,721,000		(45,000)
Loans charged off	(3,381)		(6,329,000)
Recoveries	254,000		1,336,000
Ending balance	45,243,000		45,243,000
Allowance for off-balance sheet credit losses [Abstract]
Beginning balance	155,000		131,000
Provision for off-balance sheet credit losses	25,000		49,000
Ending balance	180,000		180,000
Total provision for credit losses - Ending balance	2,746,000		4,000
Consumer Portfolio Segment [Member]
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	505,315,000		505,315,000		601,691,000
Individually measured for impairment, recorded investment	1,921,000		1,921,000		1,751,000
Total	507,236,000		507,236,000		603,442,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	8,807,000		8,807,000		12,536,000
Individually measured for impairment, related allowance	115,000		115,000		78,000
Total measured for impairment, related allowance	8,922,000		8,922,000
Activity in allowance for credit losses [Abstract]
Beginning balance	10,410,000		12,614,000
Provision for loan losses	(286,000)		(1,369,000)
Loans charged off	(2,711,000)		(5,750,000)
Recoveries	1,509,000		3,427,000
Ending balance	8,922,000		8,922,000
Allowance for off-balance sheet credit losses [Abstract]
Beginning balance	339,000		241,000
Provision for off-balance sheet credit losses	(30,000)		68,000
Ending balance	309,000		309,000
Total provision for credit losses - Ending balance	(316,000)		(1,301,000)
Segment Allocations [Member]
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment	10,561,213,000		10,561,213,000		10,440,533,000
Individually measured for impairment, recorded investment	176,331,000		176,331,000		202,503,000
Total	10,737,544,000		10,737,544,000		10,643,036,000
Related allowance [Abstract]
Collectively measured for impairment, related allowance	252,803,000		252,803,000		259,103,000
Individually measured for impairment, related allowance	6,683,000		6,683,000		7,132,000
Total measured for impairment, related allowance	259,486,000		259,486,000		266,235,000
Activity in allowance for credit losses [Abstract]
Beginning balance					266,235,000
Ending balance	259,486,000		259,486,000		266,235,000
Unallocated Financing Receivables [Member]
Related allowance [Abstract]
Total measured for impairment, related allowance	27,125,000		27,125,000
Activity in allowance for credit losses [Abstract]
Beginning balance	25,249,000		26,736,000
Provision for loan losses	1,876,000		389,000
Ending balance	27,125,000		27,125,000
Allowance for off-balance sheet credit losses [Abstract]
Total provision for credit losses - Ending balance	$ 1,876,000		$ 389,000

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Fair Value Measurements, Financial Instruments (Details) (USD $)													6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2010	Jun. 30, 2010	Mar. 31, 2010	Dec. 31, 2009	Jun. 30, 2011 Carrying (Reported) Amount, Fair Value Disclosure [Member]	Dec. 31, 2010 Carrying (Reported) Amount, Fair Value Disclosure [Member]	Jun. 30, 2010 Carrying (Reported) Amount, Fair Value Disclosure [Member]	Jun. 30, 2011 Estimate of Fair Value, Fair Value Disclosure [Member]	Dec. 31, 2010 Estimate of Fair Value, Fair Value Disclosure [Member]	Jun. 30, 2010 Estimate of Fair Value, Fair Value Disclosure [Member]	Jun. 30, 2011 Commercial Loan [Member]	Jun. 30, 2010 Commercial Loan [Member]	Dec. 31, 2010 Commercial Loan [Member]	Jun. 30, 2011 Commercial Real Estate [Member]	Jun. 30, 2010 Commercial Real Estate [Member]	Dec. 31, 2010 Commercial Real Estate [Member]	Jun. 30, 2011 Residential Mortgage [Member]	Jun. 30, 2010 Residential Mortgage [Member]	Dec. 31, 2010 Residential Mortgage [Member]	Jun. 30, 2011 Consumer Loan [Member]	Jun. 30, 2010 Consumer Loan [Member]	Dec. 31, 2010 Consumer Loan [Member]	Jun. 30, 2011 Time Deposits [Member]	Jun. 30, 2010 Time Deposits [Member]	Dec. 31, 2010 Time Deposits [Member]	Jun. 30, 2011 Other Borrowings [Member]	Jun. 30, 2010 Other Borrowings [Member]	Dec. 31, 2010 Other Borrowings [Member]	Jun. 30, 2011 Subordinated Debentures [Member]	Jun. 30, 2010 Subordinated Debentures [Member]	Dec. 31, 2010 Subordinated Debentures [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents							$ 1,110,761,000	$ 1,269,404,000	$ 852,526,000	$ 1,110,761,000	$ 1,269,404,000	$ 852,526,000
Trading securities							99,846,000	55,467,000	62,159,000	99,846,000	55,467,000	62,159,000
Investment securities [Abstract]
Municipal and other tax-exempt							160,870,000	184,898,000	221,702,000	165,449,000	188,577,000	227,301,000
Other debt securities							188,713,000	154,655,000	131,575,000	203,798,000	157,528,000	136,585,000
Total investment securities	349,583,000		339,553,000	353,277,000			349,583,000	339,553,000	353,277,000	369,247,000	346,105,000	363,886,000
Available for sale securities [Abstract]
U.S. Treasury							1,003,000			1,003,000
Municipal and other tax-exempt							70,210,000	72,942,000	66,439,000	70,210,000	72,942,000	66,439,000
U.S. agency residential mortgage-backed securities							8,893,789,000	8,446,908,000	8,223,719,000	8,893,789,000	8,446,908,000	8,223,719,000
Private issue residential mortgage-backed securities							513,222,000	644,210,000	735,516,000	513,222,000	644,210,000	735,516,000
Other debt securities							5,893,000	6,401,000	13,064,000	5,893,000	6,401,000	13,064,000
Perpetual preferred stock							22,694,000	22,114,000	19,881,000	22,694,000	22,114,000	19,881,000
Equity securities and mutual funds							60,197,000	43,046,000	47,209,000	60,197,000	43,046,000	47,209,000
Total available for sale securities							9,567,008,000	9,235,621,000	9,105,828,000	9,567,008,000	9,235,621,000	9,105,828,000
Mortgage trading securities	553,231,000		428,021,000	534,641,000			553,231,000	428,021,000	534,641,000	553,231,000	428,021,000	534,641,000
Residential mortgage loans held for sale	169,609,000		263,413,000	227,574,000			169,609,000	263,413,000	227,574,000	169,609,000	263,413,000	227,574,000
Loans [Abstract]
Commercial							6,178,596,000	5,933,996,000	6,011,528,000	6,085,941,000	5,849,443,000	5,915,895,000
Commercial real estate							2,183,715,000	2,277,350,000	2,340,909,000	2,134,950,000	2,221,443,000	2,291,533,000
Residential mortgage							1,867,997,000	1,828,248,000	1,834,246,000	1,915,710,000	1,860,913,000	1,912,579,000
Consumer							507,236,000	603,442,000	696,034,000	507,831,000	605,656,000	704,498,000
Total	10,737,544,000		10,643,036,000	10,882,717,000			10,737,544,000	10,643,036,000	10,882,717,000	10,644,432,000	10,537,455,000	10,824,505,000
Allowance for loan losses	286,611,000	289,549,000	292,971,000	299,489,000			(286,611,000)	(292,971,000)	(299,489,000)	0	0	0
Net loans	10,450,933,000		10,350,065,000	10,583,228,000			10,450,933,000	10,350,065,000	10,583,228,000	10,644,432,000	10,537,455,000	10,824,505,000
Mortgage servicing rights	109,192,000	120,345,000	115,723,000	98,942,000	119,066,000	73,824,000	109,192,000	115,723,000	98,942,000	109,192,000	115,723,000	98,942,000
Derivative contracts, assets	229,887,000		270,445,000	334,576,000			229,887,000	270,445,000	334,576,000	229,887,000	270,445,000	334,576,000
Other assets - private equity funds							28,313,000	25,436,000	23,834,000	28,313,000	25,436,000	23,834,000
Deposits with no stated maturity							13,951,177,000	13,669,893,000	12,414,412,000	13,951,177,000	13,669,893,000	12,414,412,000
Time deposits	3,634,700,000		3,509,168,000	3,673,088,000			3,634,700,000	3,509,168,000	3,673,088,000	3,655,527,000	2,979,505,000	3,158,578,000
Other borrowings							2,962,759,000	3,117,358,000	3,970,770,000	2,962,773,000	2,982,460,000	3,834,960,000
Subordinated debentures	398,788,000		398,701,000	398,617,000			398,788,000	398,701,000	398,617,000	412,242,000	413,328,000	415,161,000
Derivative contracts, liabilities	173,917,000		215,420,000	299,851,000			173,917,000	215,420,000	299,851,000	173,917,000	215,420,000	299,851,000
Fair Value, Option, Qualitative Disclosures Related to Election [Line Items]
Contractual Yield Range, Minimum (in hundredths)													0.25%	0.25%	0.25%	0.38%	0.38%	0.38%	0.25%	0.38%	0.38%	0.38%	0.38%	0.38%	0.01%	0.01%	0.01%	0.07%	0.14%	0.13%	5.19%	5.19%	5.19%
Contractual Yield Range, Maximum (in hundredths)													18.00%	18.00%	18.00%	18.00%	18.00%	18.00%	18.00%	18.00%	18.00%	21.00%	21.00%	21.00%	9.64%	9.64%	9.64%	6.58%	6.58%	6.58%	5.82%	5.82%	5.82%
Average Re-pricing (in years)													0.6	0.54	0.57	1.18	1.08	1.17	3.32	3.12	3.65	0.53	0.90	0.67	1.91	1.54	1.85	0	0.37	0.02	1.87	2.6	2.30
Discount Rate Range, Minimum (in hundredths)													0.72%	0.72%	0.72%	0.28%	0.30%	0.29%	0.74%	1.16%	0.79%	1.96%	1.92%	1.98%	0.76%	1.05%	0.82%	0.07%	0.18%	0.13%
Discount Rate Range, Maximum (in hundredths)													4.50%	4.61%	4.67%	3.66%	3.91%	3.81%	4.31%	4.17%	4.58%	3.74%	4.16%	3.91%	1.45%	1.54%	1.56%	2.65%	2.81%	2.73%
Discount Rate (in hundredths)																															3.50%	3.88%	3.72%
Allowance for loan losses excluding loans held for sale	$ 259,000,000		$ 266,000,000	$ 280,000,000

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Commitments and Contingent Liabilities (Details) (USD $)	3 Months Ended	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2011
BOSC, INC [Member] | SemGroup Energy Partners, LP Class Action [Member]
Loss Contingencies [Line Items]
Dollar amount of units underwritten in IPO by BOSC, a broker dealer subsidiary of entity	$ 6,250,000
Bank of Oklahoma, National Association [Member] | Putative Class Actions [Member]
Loss Contingencies [Line Items]
Number of Putative Class Actions Named as a Defendant	3	3
Number of Actions Pending in District Court of Tulsa County	2	2
Parent Company [Member] | Visa Membership [Member]
Loss Contingencies [Line Items]
Amount of Contingent Liability Recognized from Visa Membership	774,000	774,000
Amount of Proportionate Receivable Recognized From Visa Membership	774,000	774,000
Number of Visa Class B Shares Owned by Entity (in shares)	251,837	251,837
Optional Period After Which Class B Shares Can be Converted to Class A Shares (in years)	3 Y
Current Exchange Rate For Class A shares For Each Class B Share		0.4881
Cavanal Hill Funds [Member]
Loss Contingencies [Line Items]
Mutual Fund Investment in US Treasury Securities	1,000,000,000	1,000,000,000
Mutual Fund Investment in Cash Management	863,000,000	863,000,000
Mutual Fund Investment in Tax-Free Money Market Funds	337,000,000	337,000,000
The Net Asset Value of Units in Mutual Funds (per unit)		$ 1.00
BOKF Equity, LLC [Member]
Loss Contingencies [Line Items]
Number of Private Equity Funds of which the Entity is a General Partner	2	2
Consolidated Private Funds Assets Which are Included in Other assets on the Consolidated Balance Sheets	28,000,000	28,000,000
Contingent Obligations For Additional Investments in Private Equity Funds	14,000,000	14,000,000
Property Lease Guarantee [Member]
Guarantor Obligations [Line Items]
Contingent Obligation For Guaranteed Rents	18,600,000	18,600,000
Guaranteed Percentage To Be Received (in hundredths)	80.00%
Maximum Amount To Be Received Under Rent Agreement With City Of Tulsa	4,500,000	4,500,000
City of Tulsa Property Lease Guarantee [Member]
Guarantor Obligations [Line Items]
Contingent Obligation For Guaranteed Rents	$ 28,700,000	$ 28,700,000

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Shareholders' Equity (Details) (USD $) In Thousands, except Per Share data	1 Months Ended	3 Months Ended				6 Months Ended
	Jul. 26, 2011	Jun. 30, 2011		Jun. 30, 2010		Jun. 30, 2011		Jun. 30, 2010
Shareholders' Equity [Abstract]
Dividends declared (in dollars per share)	$ 0.275	$ 0.275		$ 0.25		$ 0.525		$ 0.49
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance at Beginning of Period	$ 146,255					$ 107,839		$ (10,740)
Net change in unrealized gains (losses) on securities						64,018		207,888
Unrealized loss on newly identified other-than-temporary securities								0
Credit losses recognized in earnings						9,349		6,871
Transfer from non-credit related unrealized losses on OTTI securities to unrealized gain on available for sale securities						0
Tax benefit (expense) on unrealized gains (losses)						(28,710)		(83,045)
Reclassification adjustment for (gains) losses realized and included in net income						(10,214)		(12,409)
Reclassification adjustment for tax expense (benefit)on realized gains (losses)						3,973		4,833
Unrealized gains on employee benefit plans						0		373
Balance at End of Period		146,255		113,771		146,255		113,771
Accumulated Net Unrealized Investment Gain (Loss) [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance at Beginning of Period						157,770		59,772
Net change in unrealized gains (losses) on securities						73,466		195,882
Unrealized loss on newly identified other-than-temporary securities								20,667
Credit losses recognized in earnings						0		0
Transfer from non-credit related unrealized losses on OTTI securities to unrealized gain on available for sale securities						180
Tax benefit (expense) on unrealized gains (losses)						(29,372)		(83,845)
Reclassification adjustment for (gains) losses realized and included in net income						(10,370)		(12,545)
Reclassification adjustment for tax expense (benefit)on realized gains (losses)						4,034		4,886
Unrealized gains on employee benefit plans						0		0
Balance at End of Period		195,708		184,817		195,708		184,817
Accumulated Other-than-Temporary Impairment [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance at Beginning of Period						(35,276)	[1]	(53,000)	[1]
Net change in unrealized gains (losses) on securities						(9,448)	[1]	12,006	[1]
Unrealized loss on newly identified other-than-temporary securities								(20,667)	[1]
Credit losses recognized in earnings						9,349	[1]	6,871	[1]
Transfer from non-credit related unrealized losses on OTTI securities to unrealized gain on available for sale securities						(180)	[1]
Tax benefit (expense) on unrealized gains (losses)						662	[1]	945	[1]
Reclassification adjustment for (gains) losses realized and included in net income						0	[1]	0	[1]
Reclassification adjustment for tax expense (benefit)on realized gains (losses)						0	[1]	0	[1]
Unrealized gains on employee benefit plans						0	[1]	0	[1]
Balance at End of Period		(34,893)	[1]	(53,845)	[1]	(34,893)	[1]	(53,845)	[1]
Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance at Beginning of Period						(878)		(1,039)
Net change in unrealized gains (losses) on securities						0		0
Unrealized loss on newly identified other-than-temporary securities								0
Credit losses recognized in earnings						0		0
Transfer from non-credit related unrealized losses on OTTI securities to unrealized gain on available for sale securities						0
Tax benefit (expense) on unrealized gains (losses)						0		0
Reclassification adjustment for (gains) losses realized and included in net income						156		136
Reclassification adjustment for tax expense (benefit)on realized gains (losses)						(61)		(53)
Unrealized gains on employee benefit plans						0		0
Balance at End of Period		(783)		(956)		(783)		(956)
Accumulated Defined Benefit Plans Adjustment [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance at Beginning of Period						(13,777)		(16,473)
Net change in unrealized gains (losses) on securities						0		0
Unrealized loss on newly identified other-than-temporary securities								0
Credit losses recognized in earnings						0		0
Transfer from non-credit related unrealized losses on OTTI securities to unrealized gain on available for sale securities						0
Tax benefit (expense) on unrealized gains (losses)						0		(145)
Reclassification adjustment for (gains) losses realized and included in net income						0		0
Reclassification adjustment for tax expense (benefit)on realized gains (losses)						0		0
Unrealized gains on employee benefit plans						0		373
Balance at End of Period		$ (13,777)		$ (16,245)		$ (13,777)		$ (16,245)

[1] Represents changes in unrealized losses recognized in AOCI on available for sale securities for which an other-than-temporary impairment ("OTTI") was recorded in earnings.

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Loans Part 3 (Details) (USD $) In Thousands	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2010	Jun. 30, 2010
Recorded Investment [Abstract]
Financing Receivable Internally Graded	$ 8,914,658		$ 8,889,752
Financing Receivable Non - Graded	1,822,886		1,753,284
Total	10,737,544		10,643,036	10,882,717
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	212,930		211,205
Allowance For Financing Receivable Non- Graded	46,556		55,030
Allowance For Financing Receivable Total	286,611	289,549	292,971	299,489
Commercial Services Financing Receivable [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	1,713,057		1,580,921
Commercial Services Financing Receivable [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,663,313		1,531,239
Commercial Services Financing Receivable [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	33,490		30,420
Commercial Services Financing Receivable [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	16,254		19,262
Commercial Energy Financing Receivable [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	1,682,842		1,711,409
Commercial Energy Financing Receivable [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,677,809		1,704,401
Commercial Energy Financing Receivable [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	4,688		6,543
Commercial Energy Financing Receivable [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	345		465
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	1,068,186		1,010,246
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,002,113		956,397
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	40,935		45,363
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded			8,486
Commercial Healthcare Financing Receivable [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	869,308		809,625
Commercial Healthcare Financing Receivable [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	860,354		801,525
Commercial Healthcare Financing Receivable [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	2,992		4,566
Commercial Healthcare Financing Receivable [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	5,962		3,534
Commercial Manufacturing Financing Receivable [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	367,151		325,191
Commercial Manufacturing Financing Receivable [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	359,958		319,075
Commercial Manufacturing Financing Receivable [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	2,827		4,000
Commercial Manufacturing Financing Receivable [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	4,366		2,116
Commercial Other Commercial and Industrial [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	282,278		292,321
Commercial Other Commercial and Industrial [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	258,910		267,949
Financing Receivable Non - Graded	18,658		19,685
Commercial Other Commercial and Industrial [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	3,410		108
Commercial Other Commercial and Industrial [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,097		4,446
Financing Receivable Non - Graded	203		133
Commercial Integrated Food Services Financing Receivables [Member] | Commercial Loan [Member]
Recorded Investment [Abstract]
Total	195,774		204,283
Commercial Integrated Food Services Financing Receivables [Member] | Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	194,514		202,885
Commercial Integrated Food Services Financing Receivables [Member] | Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,260		1,385
Commercial Integrated Food Services Financing Receivables [Member] | Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded			13
Commercial Loan [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	6,159,735		5,914,178
Financing Receivable Non - Graded	18,861		19,818
Total	6,178,596		5,933,996
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	111,392		102,259
Allowance For Financing Receivable Non- Graded	2,179		2,372
Allowance For Financing Receivable Total	113,571		104,631
Commercial Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	6,016,971		5,783,471
Financing Receivable Non - Graded	18,658		19,685
Commercial Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	89,602		92,385
Financing Receivable Non - Graded			133
Commercial Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	53,162		38,322
Financing Receivable Non - Graded	203
Commercial Wholesale Retail Financing Receivables [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	25,138
Commercial Real Estate Office Financing Receivables [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	482,505		457,450
Commercial Real Estate Office Financing Receivables [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	456,281		420,899
Commercial Real Estate Office Financing Receivables [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	14,751		16,897
Commercial Real Estate Office Financing Receivables [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	11,473		19,654
Commercial Real Estate Retail Financing Receivables [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	438,494		405,540
Commercial Real Estate Retail Financing Receivables [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	426,839		395,094
Commercial Real Estate Retail Financing Receivables [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	7,013		5,468
Commercial Real Estate Retail Financing Receivables [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	4,642		4,978
Commercial Real Estate Other Real Estate Loans Financing Receivables [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	397,795		415,161
Commercial Real Estate Other Real Estate Loans Financing Receivables [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	363,491		390,969
Commercial Real Estate Other Real Estate Loans Financing Receivables [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	21,038		8,849
Commercial Real Estate Other Real Estate Loans Financing Receivables [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	13,266		15,343
Commercial Real Estate Construction Financing Receivable [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	367,092		447,864
Commercial Real Estate Construction Financing Receivable [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	275,077		326,769
Commercial Real Estate Construction Financing Receivable [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	15,750		21,516
Commercial Real Estate Construction Financing Receivable [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	76,265		99,579
Commercial Real Estate Multifamily Financing Receivables [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	335,662		369,242
Commercial Real Estate Multifamily Financing Receivables [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	325,085		355,733
Commercial Real Estate Multifamily Financing Receivables [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	5,860		6,784
Commercial Real Estate Multifamily Financing Receivables [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	4,717		6,725
Commercial Real Estate Industrial [Member] | Commercial Real Estate [Member]
Recorded Investment [Abstract]
Total	162,167		182,093
Commercial Real Estate Industrial [Member] | Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	161,879		177,712
Commercial Real Estate Industrial [Member] | Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	288		294
Commercial Real Estate Industrial [Member] | Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded			4,087
Commercial Real Estate [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	2,183,715		2,277,350
Total	2,183,715		2,277,350
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	91,750		98,709
Allowance For Financing Receivable Total	91,750		98,709
Commercial Real Estate [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	2,008,652		2,067,176
Commercial Real Estate [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	64,700		59,808
Commercial Real Estate [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	110,363		150,366
Residential Mortgage [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	350,986		451,874
Financing Receivable Non - Graded	1,517,011		1,376,374
Total	1,867,997		1,828,248
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	7,911		8,356
Allowance For Financing Receivable Non- Graded	37,332		41,925
Allowance For Financing Receivable Total	45,243		50,281
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member]
Recorded Investment [Abstract]
Total	1,151,176		1,202,559
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	326,349		420,407
Financing Receivable Non - Graded	783,084		730,638
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	13,752		19,403
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Financing Receivables [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	10,885		12,064
Financing Receivable Non - Graded	17,106		20,047
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Us Government Agency Guaranteed Financing Receivables [Member]
Recorded Investment [Abstract]
Total	134,458		72,385
Residential Mortgage [Member] | Residential Mortgage Permanent Mortgage Us Government Agency Guaranteed Financing Receivables [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Non - Graded	134,458		72,385
Residential Mortgage [Member] | Home Equity [Member]
Recorded Investment [Abstract]
Total	582,363		553,304
Residential Mortgage [Member] | Home Equity [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Non - Graded	578,661		547,989
Residential Mortgage [Member] | Home Equity [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Non - Graded	3,702		5,315
Residential Mortgage [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	326,349		420,407
Financing Receivable Non - Graded	1,496,203		1,351,012
Residential Mortgage [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	13,752		19,403
Residential Mortgage [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	10,885		12,064
Financing Receivable Non - Graded	20,808		25,362
Consumer Loan [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	220,222		246,350
Financing Receivable Non - Graded	287,014		357,092
Total	507,236		603,442
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	1,877		1,881
Allowance For Financing Receivable Non- Graded	7,045		10,733
Allowance For Financing Receivable Total	8,922		12,614
Consumer Loan [Member] | Consumer Loans Auto Financing Receivable [Member]
Recorded Investment [Abstract]
Total	162,500		239,576
Consumer Loan [Member] | Consumer Loans Auto Financing Receivable [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Non - Graded	159,771		237,050
Consumer Loan [Member] | Consumer Loans Auto Financing Receivable [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Non - Graded	2,729		2,526
Consumer Loan [Member] | Consumer Other Financing Receivable [Member]
Recorded Investment [Abstract]
Total	344,736		363,866
Consumer Loan [Member] | Consumer Other Financing Receivable [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	215,056		240,243
Financing Receivable Non - Graded	124,415		117,226
Consumer Loan [Member] | Consumer Other Financing Receivable [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	3,245		4,356
Financing Receivable Non - Graded	3,245
Consumer Loan [Member] | Consumer Other Financing Receivable [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,921		1,751
Financing Receivable Non - Graded	99		290
Consumer Loan [Member] | Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	215,056		240,243
Financing Receivable Non - Graded	284,186		354,276
Consumer Loan [Member] | Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	3,245		4,356
Consumer Loan [Member] | Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	1,921		1,751
Financing Receivable Non - Graded	2,828		2,816
Allocated Class of Receivables [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	8,914,658		8,889,752
Financing Receivable Non - Graded	1,822,886		1,753,284
Total	10,737,544		10,643,036
Related Allowance [Abstract]
Allowance For Financing Receivable Internally Graded	212,930		211,205
Allowance For Financing Receivable Non- Graded	46,556		55,030
Allowance For Financing Receivable Total	259,486		266,235
Unallocated Financing Receivables [Member]
Related Allowance [Abstract]
Allowance For Financing Receivable Total	27,125		26,736
Performing Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	8,567,028		8,511,297
Financing Receivable Non - Graded	1,799,047		1,724,973
Potential Problem Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	171,299		175,952
Nonaccrual Financing Receivable [Member]
Recorded Investment [Abstract]
Financing Receivable Internally Graded	176,331		202,503
Financing Receivable Non - Graded	$ 23,839		$ 28,311