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	%