Shareholder Information

Financial Highlights

BOK FINANCIAL CORPORATION (NASDAQ - BOKF)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	11,279,698	12,876,006	(12.40)	11,611,564	(11.43)
Loans Held for Sale, before Reserves	217,826	129,246	68.54	172,301	105.69
Loan Loss Reserve	292,095	233,236	25.24	280,902	15.94
Net Loans Receivable	11,205,429	12,772,016	(12.27)	11,502,963	(10.35)
Intangible Assets	354,239	361,209	(1.93)	356,152	(2.15)
Total Assets	23,516,831	22,734,648	3.44	23,876,841	(6.03)
Deposits	15,518,228	14,982,607	3.57	15,095,346	11.21
Debt, Senior and Subordinated	5,003,639	4,945,860	1.17	5,787,350	(54.17)
Trust Preferred Securities	0	0	0.00	0	0.00
Common Equity	2,205,813	1,846,257	19.47	2,185,013	3.81
Total Shareholders' Equity	2,225,374	1,860,112	19.64	2,203,994	3.88
Shares Outstanding (actual)	67,802,807	67,473,086	0.49	67,707,547	0.56

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	184,478	176,447	4.55	180,461	8.90
Provision for Loan Losses	48,620	73,001	(33.40)	55,120	(47.17)
Noninterest Income	115,374	101,291	13.90	122,885	(24.45)
Noninterest Expense	176,437	187,142	(5.72)	178,732	(5.14)
Net Income before Taxes	67,584	39,451	71.31	78,379	(55.09)
Provision for Taxes	24,780	10,363	139.12	24,772	0.13
Net Income	42,804	29,088	47.15	53,607	(80.61)

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
As Reported Book Value per Share	32.53	27.36	18.90	32.27	3.22
Tangible Book Value	27.31	22.01	24.08	27.01	4.38
Diluted EPS before Extra	0.63	0.52	21.15	0.75	(64.00)
Diluted EPS after Extra	0.63	0.52	21.15	0.75	(64.00)
Dividends Declared	0.2400	0.2250	6.67	0.2400	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	0.72	0.52	20	0.93	(21)
ROAE	7.62	6.10	153	10.04	(2,42)
Net Interest Margin	3.56	3.58	(1)	3.56	0
Loans / Deposits	72.69	85.94	(13,25)	76.92	(4,23)
Efficiency Ratio	56.09	65.82	(9,73)	56.84	(75)

Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.00	1.46	55	2.00	0
Net Chargeoffs/ Average Loans	1.20	1.04	16	1.19	1
Loan Loss Reserves/ Gross Loans	2.54	1.79	75	2.38	16
Loan Loss Reserves/ NPAs	61.95	70.27	(8,32)	58.70	325

Regulatory Capital Data
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Tier 1 Capital Ratio (%)	10.86	9.40	146	10.56	30
Tangible Equity/ Tangible Assets	8.08	6.70	138	7.86	22
Equity/ Assets	9.46	8.18	128	9.23	23

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