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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	91,378		$	22,195		$	7,064		$	55,390		$	176,027
Net interest revenue (expense) from internal sources	(10,747		)	6,457			5,554			(1,264		)	—
Net interest revenue	80,631			28,652			12,618			54,126			176,027
Provision for (reduction of ) allowances for credit losses	3,253			485			509			(4,247		)	—
Net interest revenue after provision for (reduction of) allowances for credit losses	77,378			28,167			12,109			58,373			176,027
Other operating revenue	40,091			80,640			50,157			9,056			179,944
Other operating expense	62,633			74,067			53,867			31,773			222,340
Income before taxes	54,836			34,740			8,399			35,656			133,631
Federal and state income tax	21,331			13,514			3,267			7,666			45,778
Net income	33,505			21,226			5,132			27,990			87,853
Net income attributable to non-controlling interest	—			—			—			471			471
Net income attributable to BOK Financial Corp.	$	33,505		$	21,226		$	5,132		$	27,519		$	87,382

Average assets	$	10,134,288		$	5,705,781		$	4,301,283		$	6,446,820		$	26,588,172
Average invested capital	865,157			292,281			188,638			1,600,577			2,946,653

Performance measurements:
Return on average assets	1.32		%	1.48		%	0.47		%				1.31		%
Return on average invested capital	15.41		%	28.89		%	10.82		%				11.80		%
Efficiency ratio	51.88		%	61.66		%	86.05		%				61.12		%

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



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	274,411		$	69,154		$	21,340		$	166,052		$	530,957
Net interest revenue (expense) from internal sources	(33,667		)	18,462			15,834			(629		)	—
Net interest revenue	240,744			87,616			37,174			165,423			530,957
Provision for (reduction of) allowances for credit losses	10,393			6,137			1,680			(26,210		)	(8,000		)
Net interest revenue after provision for (reduction of) allowances for credit losses	230,351			81,479			35,494			191,633			538,957
Other operating revenue	131,042			205,400			148,105			18,938			503,485
Other operating expense	181,117			196,174			158,351			91,845			627,487
Income before taxes	180,276			90,705			25,248			118,726			414,955
Federal and state income tax	70,127			35,284			9,821			29,215			144,447
Net income	110,149			55,421			15,427			89,511			270,508
Net income attributable to non-controlling interest	—			—			—			1,882			1,882
Net income attributable to BOK Financial Corp.	$	110,149		$	55,421		$	15,427		$	87,629		$	268,626

Average assets	$	10,050,873		$	5,739,833		$	4,230,874		$	5,862,092		$	25,883,672
Average invested capital	866,346			289,337			180,234			1,547,854			2,883,771

Performance measurements:
Return on average assets	1.46		%	1.29		%	0.49		%				1.39		%
Return on average invested capital	16.98		%	25.61		%	11.43		%				12.44		%
Efficiency ratio	50.68		%	64.23		%	85.68		%				60.75		%

Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2011 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	85,560		$	24,553		$	7,113		$	58,158		$	175,384
Net interest revenue (expense) from internal sources	(6,702		)	8,108			4,682			(6,088		)	—
Net interest revenue	78,858			32,661			11,795			52,070			175,384
Provision for (reduction of) allowances for credit losses	5,041			3,837			1,247			(10,125		)	—
Net interest revenue after provision for (reduction of) allowances for credit losses	73,817			28,824			10,548			62,195			175,384
Other operating revenue	37,924			79,766			46,112			9,814			173,616
Other operating expense	57,509			84,520			49,982			28,524			220,535
Income before taxes	54,232			24,070			6,678			43,485			128,465
Federal and state income tax	21,096			9,363			2,598			9,949			43,006
Net income	33,136			14,707			4,080			33,536			85,459
Net income attributable to non-controlling interest	—			—			—			358			358
Net income attributable to BOK Financial Corp.	$	33,136		$	14,707		$	4,080		$	33,178		$	85,101
Average assets	$	9,526,993		$	5,914,337		$	4,254,954		$	4,925,454		$	24,621,738
Average invested capital	886,538			273,143			175,478			1,403,247			2,738,406
Performance measurements:
Return on average assets	1.38		%	0.99		%	0.38		%				1.37		%
Return on average invested capital	14.83		%	21.36		%	9.22		%				12.33		%
Efficiency ratio	49.24		%	65.41		%	86.48		%				60.02		%

Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2011 is as follows (in thousands):



	Commercial			Consumer			Wealth Management			Funds Management and Other			BOK Financial Consolidated
Net interest revenue from external sources	$	254,143		$	64,574		$	23,263		$	178,044		$	520,024
Net interest revenue (expense) from internal sources	(23,420		)	25,188			11,348			(13,116		)	—
Net interest revenue	230,723			89,762			34,611			164,928			520,024
Provision for (reduction of) allowances for credit losses	16,646			9,568			2,308			(19,572		)	8,950
Net interest revenue after provision for (reduction of) allowances for credit losses	214,077			80,194			32,303			184,500			511,074
Other operating revenue	109,354			174,241			128,868			20,538			433,001
Other operating expense	170,708			208,082			141,084			81,166			601,040
Income before taxes	152,723			46,353			20,087			123,872			343,035
Federal and state income tax	59,409			18,031			7,814			35,861			121,115
Net income	93,314			28,322			12,273			88,011			221,920
Net income attributable to non-controlling interest	—			—			—			3,038			3,038
Net income attributable to BOK Financial Corp.	$	93,314		$	28,322		$	12,273		$	84,973		$	218,882

Average assets	$	9,222,883		$	5,965,955		$	3,995,054		$	4,925,924		$	24,109,816
Average invested capital	874,259			272,167			175,478			1,330,097			2,652,001

Performance measurements:
Return on average assets	1.35		%	0.63		%	0.41		%				1.21		%
Return on average invested capital	14.27		%	13.91		%	9.35		%				11.03		%
Efficiency ratio	50.20		%	72.62		%	86.66		%				60.99		%