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 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	11,611,564	12,679,970	(8.43)	12,069,928	(15.19)
Loans Held for Sale, before Reserves	172,301	113,121	52.32	326,363	(188.82)
Loan Loss Reserve	280,902	186,516	50.60	263,309	26.73
Net Loans Receivable	11,502,963	12,606,575	(8.75)	12,132,982	(20.77)
Intangible Assets	356,152	363,177	(1.93)	357,838	(1.88)
Total Assets	23,876,841	22,377,802	6.70	22,768,319	19.47
Deposits	15,095,346	14,586,183	3.49	14,655,389	12.01
Debt, Senior and Subordinated	5,787,350	5,143,047	12.53	5,348,916	32.79
Trust Preferred Securities	0	0	0.00	0	0.00
Common Equity	2,185,013	1,940,503	12.60	2,050,572	26.23
Total Shareholders' Equity	2,203,994	1,959,789	12.46	2,066,162	26.68
Shares Outstanding (actual)	67,707,547	67,433,837	0.41	67,674,442	0.20

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	180,461	164,348	9.80	175,580	11.12
Provision for Loan Losses	55,120	52,711	4.57	47,120	67.91
Noninterest Income	122,885	130,183	(5.61)	123,036	(0.49)
Noninterest Expense	178,732	162,590	9.93	163,997	35.94
Net Income before Taxes	78,379	79,633	(1.57)	80,655	(11.29)
Provision for Taxes	24,772	22,958	7.90	28,315	(50.05)
Net Income	53,607	56,675	(5.41)	52,340	9.68

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
As Reported Book Value per Share	32.27	28.78	12.13	30.30	26.01
Tangible Book Value	27.01	23.39	15.46	25.01	31.95
Diluted EPS before Extra	0.75	0.84	(10.71)	0.77	(10.39)
Diluted EPS after Extra	0.75	0.84	(10.71)	0.77	(10.39)
Dividends Declared	0.2400	0.2250	6.67	0.2400	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	0.93	1.04	(11)	0.91	2
ROAE	10.04	11.65	(1,60)	10.43	(39)
Net Interest Margin	3.56	3.47	9	3.43	14
Loans / Deposits	76.92	86.93	(10,01)	82.36	(5,44)
Efficiency Ratio	56.84	54.25	259	53.70	314

Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.00	1.08	92	1.91	10
Net Chargeoffs/ Average Loans	1.19	0.64	56	1.10	9
Loan Loss Reserves/ Gross Loans	2.38	1.46	93	2.12	26
Loan Loss Reserves/ NPAs	58.70	76.87	(18,17)	60.58	(1,88)

Regulatory Capital Data
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Tier 1 Capital Ratio (%)	10.56	9.31	125	9.86	70
Tangible Equity/ Tangible Assets	7.86	7.25	60	7.62	23
Equity/ Assets	9.23	8.76	47	9.07	16

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