Exhibit 99 (a)

NASD: BOKF

For Further Information Contact:

Joseph Crivelli             Andrea Myers

Investor Relations             Corporate Communications

(918) 595-3027             (918) 594-7794

BOK Financial Reports Quarterly Earnings of $77 Million

Loans Grow 9% on Annualized Basis

TULSA, Okla. (Wednesday, April 30, 2014) - BOK Financial Corporation reported net income of $76.6 million or $1.11 per diluted share for the first quarter of 2014. Net income was $73.0 million or $1.06 per diluted share for the fourth quarter of 2013 and $88.0 million or $1.28 per diluted share for the first quarter of 2013.

Steven G. Bradshaw, Chief Executive Officer, stated, “We are executing well on our strategic objectives, and as a result the first quarter was solid for BOK Financial Corporation. Sustained loan growth, sequential revenue growth from key fee-generating lines of business, and careful expense controls led to a strong bottom line. Credit quality remains pristine with net recoveries in the quarter, and our capital base remains at industry-leading levels.”

Bradshaw added, “We also closed on our acquisition of GTRUST Financial Corporation, and announced the acquisition of MBM Advisors during the quarter. Each of these acquisitions strengthens our presence in an important growth market while bringing a new wealth management product line that can be delivered across the footprint.”

Highlights of first quarter of 2014 included:

• Net interest revenue totaled $162.6 million for the first quarter of 2014 compared to $166.2 million for the fourth quarter of 2013. Net interest margin was 2.71% for the first quarter of 2014, and 2.74% for the fourth quarter of 2013.

• Fees and commissions revenue totaled $140.9 million for the first quarter of 2014 compared to $142.4 million for the fourth quarter of 2013.

• Operating expenses were $185.1 million for the first quarter, a decrease of $30.3 million compared to the previous quarter. Personnel expense decreased $21.2 million. The Company reversed $15.5 million accrued in 2011 through 2013 for amounts payable to certain executive officers under the 2011 True-Up Plan. Non-personnel expense decreased $9.1 million.

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• No provision for credit losses was recorded in the first quarter of 2014 compared to an $11.4 million negative provision for credit losses in the fourth quarter of 2013. BOK Financial had a net recovery of $2.5 million for the first quarter of 2014 compared to a net recovery of $3.0 million in the previous quarter.

• The combined allowance for credit losses totaled $190 million or 1.45% of outstanding loans at March 31, 2014 compared to $187 million or 1.47% of outstanding loans at December 31, 2013. Nonperforming assets that are not guaranteed by U.S. government agencies totaled $153 million or 1.18% of outstanding loans and repossessed assets (excluding those guaranteed by U.S. government agencies) at March 31, 2014 and $155 million or 1.23% of outstanding loans and repossessed assets (excluding those guaranteed by U.S. government agencies) at December 31, 2013.

• Average loans increased by $486 million over the previous quarter due primarily to growth in commercial loans. Average commercial loans were up$234 million and average commercial real estate loans increased $252 million. Period-end outstanding loan balances were $13.1 billion at March 31, 2014, a $286 millionincrease over December 31, 2013. Commercial loan balances increased $108 million and commercial real estate loans increased $216 million.

• Average deposits increased $360 million over the previous quarter. Growth in interest-bearing transaction accounts was partially offset by a decrease in demand and time deposit balances. Period-end deposits were $20.4 billionat March 31, 2014, a $120 millionincrease over December 31, 2013, primarily due to growth in demand deposit balances.

• The Company's Tier 1 common equity ratio, as defined by banking regulations, was 13.59% at both March 31, 2014 and December 31, 2013. The Company and its subsidiary bank continue to exceed the regulatory definition of well capitalized. The Company's Tier 1 capital ratio was 13.77% at both March 31, 2014 and December 31, 2013. Total capital ratio was 15.55% at March 31, 2014 and 15.56% at December 31, 2013. The Company's leverage ratio was 10.17% at March 31, 2014 and 10.05% at December 31, 2013.

• The Company paid a regular quarterly cash dividend of $28 million or $0.40 per common share during the first quarter of 2014. On April 29, 2014, the board of directors approved a quarterly cash dividend of $0.40 per common share payable on or about May 30, 2014 to shareholders of record as of May 16, 2014.

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Net Interest Revenue

Net interest revenue decreased $3.6 million compared to the fourth quarter of 2013. Net interest margin was 2.71% for the first quarter of 2014, compared to 2.74% for the fourth quarter of 2013.

The yield on average earning assets was 2.99%, a decrease of 3 basis points compared to the prior quarter. The loan portfolio yield decreased12 basis points from the previous quarter to 3.89% primarily due to continued market pricing pressure and improved credit quality of new loans. The yield on the available for sale securities portfolio increased 2 basis points to 1.91%. Cash flows received from payments on the securities portfolio funded loan growth or reduced short-term borrowings. Excess cash flows were reinvested in short-duration securities that yield nearly 2%. Funding costs decreased 1 basis point compared to the prior quarter to 0.41%.

Average earning assets increased $16 million during the first quarter of 2014. Growth in average loan balances of $486 million over the previous quarter was offset by a $358 milliondecrease in the available for sale securities portfolio. The average balance of interest-bearing cash and cash equivalents, trading securities, restricted equity securities and residential mortgage loans held for sale all decreased compared to the prior quarter. Average deposits increased $360 million and the average balance of borrowed funds decreased $218 million compared to the fourth quarter of 2013.

Steven Nell, Chief Financial Officer, stated, "We are executing our plan to reduce the size of our bond portfolio to position the balance sheet for a rising rate environment. During the first quarter, the bond portfolio decreased by $213 million, and by the end of 2014 our goal is to reduce it by $1 billion total. The strong loan growth we are experiencing is enabling us to accomplish this goal while minimizing the impact on net interest income."

Fees and Commissions Revenue

Fees and commissions revenue totaled $140.9 million for the first quarter of 2014, a decrease of $1.5 million compared to the fourth quarter of 2013. The fourth quarter of 2013 included $2.0 million from the favorable resolution of a lawsuit.

Brokerage and trading revenue increased $1.0 million over the prior quarter. Retail brokerage and investment banking revenue both increased, partially offset by a decrease in customer hedging revenue. Securities trading revenue was largely unchanged compared to the prior quarter.

Mortgage banking revenue totaled $22.8 million for the first quarter of 2014, an increase of $968 thousand over the fourth quarter of 2013. Revenue from mortgage loans production was up $721 thousand. Loan production revenue is largely recognized at the time the commitment to originate the mortgage loan is made. Outstanding commitments to originate mortgage loans grew by $129 million over December 31 to $388 million at March 31. Residential mortgage loans funded for sale totaled $728 million, a decrease of $121 million compared to the previous quarter. Approximately 38% of loans originated in the first quarter were through correspondent channels, compared to 39% in the previous quarter. Origination from the Home Direct mortgage origination channel grew to 7% of loans originated in the first quarter. Refinanced mortgage loans represented 32% of loans originated for sale in the first quarter of 2014 compared to 29% in the fourth quarter of 2013. Revenue from mortgage loan servicing grew by $247 thousand due to an increase in the volume of loans serviced.

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Fiduciary and asset management revenue grew by $648 thousand over the fourth quarter of 2013 primarily due to the increase in the fair value of assets managed. Deposit service charges and fees decreased $751 thousand. Overdraft fees decreased, partially offset by increased service fees on commercial accounts. Transaction card revenue was unchanged compared to the prior quarter. Growth in merchant services fees was offset by a decrease in interchange fees paid on debit cards issued by the Company.

Operating Expenses

Total operating expenses were $185.1 million for the first quarter of 2014, a decrease of $30.3 million compared to the fourth quarter of 2013.

Personnel costs decreased $21.2 million compared to the fourth quarter of 2013. The accrual for amounts payable to certain executive officers of the Company under the 2011 True-Up Plan was reduced by $15.5 million based on information published by peer banks during the first quarter of 2014 in their annual proxy filings. The accrual amount is determined based on the compensation levels of comparable senior executives at a defined group of peer banks. The composition of this peer group and related compensation levels of senior executives both changed based on annual proxy filings. The expense recognized for the 2011 True-Up Plan in the fourth quarter of 2013 was $4.5 million. Amounts due under the 2011 True-Up Plan, which is currently accrued at $54 million, will be paid in May 2014.

Personnel costs during the first quarter of 2014 were also adjusted downward by $1.7 million to reflect changes in deferred compensation owed to certain executive officers. This adjustment was offset by decrease in the value of specific assets held as an economic hedge against the deferred compensation liability. The decreased value of these assets is reported in Gain (loss) on other assets, net.

Non-personnel expense decreased $9.1 million compared to the fourth quarter of 2013. Mortgage banking costs decreased $3.4 million compared to the prior quarter primarily due to lower provisions for losses related to mortgage loans sold with standard representations and warranties and losses related to repurchases of loans sold to U.S. government agencies that no longer qualify for sale accounting. The Company also finalized hold-back claims related to purchased mortgage loan servicing rights which reduced expenses by $1.3 million in the first quarter. Other expenses decreased $2.5 million, professional fees and services expense decreased $2.4 million and net occupancy expense decreased $2.2 million compared to the fourth quarter. BOK Financial made a $2.4 million discretionary contribution of appreciated stock to the BOKF Foundation during the first quarter. This contribution also resulted in a $1.2 million reduction in income tax expense.

4

Loans, Deposits and Capital

Loans

Outstanding loans were $13.1 billion at March 31, 2014, an increase of $286 million over the previous quarter. Commercial and commercial real estate balances grew over the prior quarter, partially offset by a decrease in residential mortgage and consumer loan balances.

Outstanding commercial loan balances increased $108 million or 5% on an annualized basis over December 31, 2013 primarily due to a $122 millionincrease in healthcare sector loans. Manufacturing sector loan balances grew by $52 million and wholesale/retail sector loans were up $25 million over the prior quarter. Service sector loans decreased $50 million and integrated food services loans decreased $24 million. Energy and other commercial and industrial loans were also down compared to December 31, 2013. Unfunded energy loan commitments increased by $117 million in the first quarter to $2.6 billion. All other unfunded commercial loan commitments totaled $3.5 billion at March 31, 2014, a decrease of $53 million compared to December 31, 2013.

Commercial real estate loans grew by $216 million or 9% over December 31, 2013. Loans secured by multifamily residential properties were up $86 million. Loans secured by industrial facilities increased $61 million. Retail sector loans grew by $54 million and loans secured by office buildings increased $25 million over the prior quarter. Construction and land development loan balances decreased $21 million. Unfunded commercial real estate loan commitments totaled $524 million at March 31, 2014, an $11 milliondecrease from December 31, 2013.

Residential mortgage loans decreased $33 million compared to December 31, 2013, due primarily to a decrease in non-government guaranteed permanent mortgage loan balances. Home equity loans also decreased compared to the prior quarter. Consumer loans decreased $5.6 million compared to the prior quarter.

Daniel H. Ellinor, Chief Operating Officer, noted, “Loan growth has been strong all across the commercial banking line of business. Our healthcare group continues to execute well and generated continued double-digit annualized loan growth in the first quarter. Commercial real estate is also accelerating, with nine percent loan growth in the first quarter driven by highly-rated borrowers in the multifamily, retail, and industrial markets. While our core energy specialty lending group remained flat during the quarter, the lending pipeline is the strongest it has been in over a year. Our exploration and production portfolio was up $50 million during the quarter. In total, we continue to expect mid to high single-digit annualized loan growth for the balance of 2014.”

Ellinor added, “The market remains intensely competitive with continued price competition across all lending lines. Accordingly, spreads continue to narrow. However, we have the ability to compete on price while remaining disciplined on credit structure. Our diversified fee-generating businesses give us the opportunity to drive additional revenue from new borrowers. In addition, average spreads during the quarter were impacted by $100 million in net new loans to investment-grade municipal and commercial borrowers.”

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Deposits

Deposits totaled $20.4 billion at March 31, 2014, an increase of $120 million over December 31, 2013. Demand deposit balances grew by $156 million and savings account balances were up $33 million over the prior quarter. Interest-bearing transaction account balances decreased $34 million and time deposits decreased $34 million. Among the lines of business, commercial deposits increased $99 million, consumer deposits increased $125 million and wealth management deposits decreased $165 million. Growth in commercial deposit balances was primarily due to growth in balances attributed to treasury service customers. Growth in commercial and industrial and small business customer balances were partially offset by a decrease in balances attributed to energy and healthcare customers during the first quarter.

Capital

The Company and its subsidiary bank exceeded the regulatory definition of well capitalized at March 31, 2014. The Company's Tier 1 capital ratio was 13.77% at both March 31, 2014 and December 31, 2013. The total capital ratio was 15.55% at March 31, 2014 and 15.56% at December 31, 2013. In addition, the Company's tangible common equity ratio, a non-GAAP measure, was 10.06% at March 31, 2014 and 9.90% at December 31, 2013.

In July 2013, banking regulators issued the final rule revising regulatory capital rules for substantially all U.S. banking organizations. The new capital rule will be effective for BOK Financial on January 1, 2015. The new capital rule establishes a 7% threshold for the Tier 1 common equity ratio consisting of a minimum level plus a capital conservation buffer. The Company expects to exclude unrealized gains and losses from available for sale securities from its calculation of Tier 1 capital, consistent with the treatment under current capital rules. BOK Financial's Tier 1 common equity ratio based on the existing Basel I standards was 13.59% as of March 31, 2014. Based on our interpretation of the new capital rule, our estimated Tier 1 common equity ratio on a fully phased-in basis would be 12.60%, 560 basis points above the 7% regulatory threshold.

Credit Quality

Nonperforming assets totaled $256 million or 1.94% of outstanding loans and repossessed assets at March 31, 2014 compared to $248 million or 1.92% of outstanding loans and repossessed assets at December 31, 2013. Nonperforming assets that are not guaranteed by U.S. government agencies totaled $153 million or 1.18% of outstanding loans and repossessed assets (excluding those guaranteed by U.S. government agencies) at March 31, 2014 and $155 million or 1.23% at December 31, 2013, a decrease of $2.2 million.

Nonaccruing loans totaled $105 million or 0.80% of outstanding loans at March 31, 2014 compared to $101 million or 0.79% of outstanding loans at December 31, 2013. New nonaccruing loans identified in the first quarter totaled $16.2 million, offset by $7.5 million in payments received, $2.8 million in charge-offs and $2.3 million in foreclosures and repossessions. At March 31, 2014, nonaccruing commercial loans totaled $19 million or 0.24% of outstanding commercial loans, nonaccruing commercial real estate loans totaled $39 million or 1.49% of outstanding commercial real estate loans, and nonaccruing residential mortgage loans totaled $45 million or 2.25% of outstanding residential mortgage loans.

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BOK Financial had a net recovery of $2.5 million for the first quarter of 2014 compared with a net recovery of $3.0 million for the fourth quarter of 2013. Gross charge-offs totaled $2.8 million for the first quarter, compared to $3.1 million for the previous quarter. Recoveries totaled $5.4 million for the first quarter of 2014 and $6.1 million for the fourth quarter of 2013.

After evaluating all credit factors, the Company determined that no provision for credit losses was necessary during the first quarter of 2014. The combined allowance for credit losses totaled $190 million or 1.45% of outstanding loans and 181.46% of nonaccruing loans at March 31, 2014. The allowance for loan losses was $188 million and the accrual for off-balance sheet credit losses was $1.7 million.

Real estate and other repossessed assets totaled $96 million at March 31, 2014, primarily consisting of $60 million of 1-4 family residential properties (including $46 million guaranteed by U.S. government agencies), $15 million of developed commercial real estate properties, $13 million of undeveloped land and $6.5 million of residential land and land development properties.

Securities and Derivatives

The fair value of the available for sale securities portfolio totaled $9.9 billion at March 31, 2014 and $10.1 billion at December 31, 2013. At March 31, 2014, the available for sale portfolio consisted primarily of $7.5 billion of residential mortgage-backed securities fully backed by U.S. government agencies and $2.1 billion of commercial mortgage-backed securities fully backed by U.S. government agencies.

At March 31, 2014 the available for sale securities portfolio had a net unrealized gain of $15 million compared to a net unrealized loss of $38 million at December 31, 2013. Net unrealized gains on residential mortgage-backed securities issued by U.S. government agencies at March 31, 2014increased $42 million during the first quarter to a net unrealized gain of $38 million at March 31, 2014. Commercial mortgage-backed securities had a net unrealized loss of $36 million at March 31, 2014, compared to a net unrealized loss of $44 million at December 31, 2013.

In the first quarter of 2014, the Company recognized net gains of $1.2 million from sales of $531 million of available for sale securities. Securities were sold either because they had reached their expected maximum potential return or sold to reinvest those proceeds into shorter average life securities. Net gains from sales of $270 million of available for sale securities in the fourth quarter of 2013 totaled $1.6 million.

The Company also maintains a portfolio of residential mortgage-backed securities issued by U.S. government agencies and interest rate derivative contracts designated as an economic hedge of the changes in the fair value of our mortgage servicing rights. Due to fluctuations in residential mortgage interest rates during the first quarter of 2014, the value of our mortgage servicing rights decreased by $4.5 million. The value of securities and interest rate derivative contracts held as an economic hedge increased by $3.6 million.

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Conference Call and Webcast

The Company will hold a conference call at 9:00 a.m. central time on Wednesday, April 30, 2014 to discuss the financial results with investors. The live audio webcast and presentation slides will be available on the company’s website at www.bokf.com. The conference call can also be accessed by dialing 1-412-317-6016.  A conference call and webcast replay will also be available shortly after conclusion of the live call at www.bokf.com or by dialing 1-412-317-0088 and referencing conference ID # 10043696.

About BOK Financial Corporation

BOK Financial is a $27 billion regional financial services company based in Tulsa, Oklahoma. The Company's stock is publicly traded on NASDAQ under the Global Select market listings (symbol: BOKF). BOK Financial's holdings include BOKF, NA, BOSC, Inc., The Milestone Group, Inc. and Cavanal Hill Investment Management, Inc. BOKF, NA operates the TransFund electronic funds network and seven banking divisions: Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Kansas City, Bank of Oklahoma, Bank of Texas and Colorado State Bank and Trust. Through its subsidiaries, the Company provides commercial and consumer banking, investment and trust services, mortgage origination and servicing, and an electronic funds transfer network. For more information, visit www.bokf.com.

The Company will continue to evaluate critical assumptions and estimates, such as the appropriateness of the allowance for credit losses and asset impairment as of March 31, 2014 through the date its financial statements are filed with the Securities and Exchange Commission and will adjust amounts reported if necessary.

This news release contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial, the financial services industry and the economy generally. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “plans,” “projects,” variations of such words and similar expressions are intended to identify such forward-looking statements. Management judgments relating to and discussion of the provision and allowance for credit losses involve judgments as to future events and are inherently forward-looking statements. Assessments that BOK Financial's acquisitions and other growth endeavors will be profitable are necessary statements of belief as to the outcome of future events based in part on information provided by others which BOK Financial has not independently verified. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. Internal and external factors that might cause such a difference include, but are not limited to (1) the ability to fully realize expected cost savings from mergers within the expected time frames, (2) the ability of other companies on which BOK Financial relies to provide goods and services in a timely and accurate manner, (3) changes in interest rates and interest rate relationships, (4) demand for products and services, (5) the degree of competition by traditional and nontraditional competitors, (6) changes in banking regulations, tax laws, prices, levies and assessments, (7) the impact of technological advances and (8) trends in consumer behavior as well as their ability to repay loans. BOK Financial and its affiliates undertake no obligation to update, amend or clarify forward-looking statements, whether as a result of new information, future events, or otherwise.

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BALANCE SHEETS -- UNAUDITED BOK FINANCIAL CORPORATION (In thousands)
	March 31, 2014			December 31, 2013			March 31, 2013
ASSETS
Cash and due from banks	$	645,435		$	512,931		$	458,471
Interest-bearing cash and cash equivalents	708,571			574,282			487,146
Trading securities	86,571			91,616			206,598
Investment securities	668,976			677,878			589,271
Available for sale securities	9,933,723			10,147,162			11,059,145
Fair value option securities	160,884			167,125			210,192
Restricted equity securities	85,643			85,240			119,988
Residential mortgage loans held for sale	226,512			200,546			286,211
Loans:
Commercial	8,051,706			7,943,221			7,418,305
Commercial real estate	2,631,407			2,415,353			2,285,160
Residential mortgage	2,018,675			2,052,026			2,012,450
Consumer	376,066			381,664			377,649
Total loans	13,077,854			12,792,264			12,093,564
Allowance for loan losses	(188,318		)	(185,396		)	(205,965		)
Loans, net of allowance	12,889,536			12,606,868			11,887,599
Premises and equipment, net	279,257			277,849			270,130
Receivables	114,437			117,126			116,028
Goodwill	364,570			359,759			359,759
Intangible assets, net	31,561			24,564			27,117
Mortgage servicing rights, net	153,774			153,333			109,840
Real estate and other repossessed assets, net	95,515			92,272			102,701
Derivative contracts, net	218,507			265,012			320,473
Cash surrender value of bank-owned life insurance	286,932			284,801			277,776
Receivable on unsettled securities sales	18,199			17,174			190,688
Other assets	396,111			359,894			368,025
TOTAL ASSETS	$	27,364,714		$	27,015,432		$	27,447,158
LIABILITIES AND EQUITY
Deposits:
Demand	$	7,472,287		$	7,316,277		$	6,900,860
Interest-bearing transaction	9,899,656			9,934,051			9,742,302
Savings	355,596			323,006			317,075
Time	2,662,174			2,695,993			2,900,054
Total deposits	20,389,713			20,269,327			19,860,291
Funds purchased	1,166,178			868,081			853,843
Repurchase agreements	777,108			813,454			806,526
Other borrowings	1,031,693			1,040,353			1,733,047
Subordinated debentures	347,846			347,802			347,674
Accrued interest, taxes, and expense	160,351			194,870			192,358
Due on unsettled securities purchases	39,641			45,740			158,984
Derivative contracts, net	185,499			247,185			251,836
Other liabilities	122,086			133,647			194,707
TOTAL LIABILITIES	24,220,115			23,960,459			24,399,266
Shareholders' equity:
Capital, surplus and retained earnings	3,103,130			3,045,672			2,878,575
Accumulated other comprehensive income (loss)	6,795			(25,623		)	133,383
TOTAL SHAREHOLDERS' EQUITY	3,109,925			3,020,049			3,011,958
Non-controlling interests	34,674			34,924			35,934
TOTAL EQUITY	3,144,599			3,054,973			3,047,892
TOTAL LIABILITIES AND EQUITY	$	27,364,714		$	27,015,432		$	27,447,158

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AVERAGE BALANCE SHEETS -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands)
	Three Months Ended
	March 31, 2014			December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013
ASSETS
Interest-bearing cash and cash equivalents	$	549,473		$	559,918		$	654,591		$	408,224		$	388,132
Trading securities	92,409			127,011			124,689			181,866			162,353
Investment securities	671,756			672,722			621,104			610,940			534,772
Available for sale securities	10,076,942			10,434,810			10,558,677			11,060,700			11,292,181
Fair value option securities	165,515			167,490			169,299			216,312			251,725
Restricted equity securities	85,234			123,009			155,938			144,332			80,433
Residential mortgage loans held for sale	185,196			217,811			225,789			261,977			216,816
Loans:
Commercial	7,971,712			7,737,883			7,602,950			7,606,919			7,498,905
Commercial real estate	2,605,264			2,352,915			2,359,120			2,286,674			2,309,988
Residential mortgage	1,998,620			1,998,980			2,043,332			2,013,004			2,034,315
Consumer	372,330			371,798			396,694			370,847			381,752
Total loans	12,947,926			12,461,576			12,402,096			12,277,444			12,224,960
Allowance for loan losses	(186,979		)	(193,309		)	(201,616		)	(206,807		)	(214,017		)
Total loans, net	12,760,947			12,268,267			12,200,480			12,070,637			12,010,943
Total earning assets	24,587,472			24,571,038			24,710,567			24,954,988			24,937,355
Cash and due from banks	473,758			324,349			386,331			546,558			465,412
Derivative contracts, net	287,363			314,530			377,664			401,485			286,772
Cash surrender value of bank-owned life insurance	285,592			283,289			280,909			278,501			275,705
Receivable on unsettled securities sales	114,708			83,016			90,014			135,964			178,561
Other assets	1,489,875			1,526,566			1,409,247			1,341,828			1,369,626
TOTAL ASSETS	$	27,238,768		$	27,102,788		$	27,254,732		$	27,659,324		$	27,513,431
LIABILITIES AND EQUITY
Deposits:
Demand	$	7,312,076		$	7,356,063		$	7,110,079		$	6,888,983		$	7,002,046
Interest-bearing transaction	9,900,823			9,486,136			9,276,136			9,504,128			9,836,204
Savings	336,576			323,123			317,912			315,421			296,319
Time	2,686,041			2,710,019			2,742,970			2,818,533			2,913,999
Total deposits	20,235,516			19,875,341			19,447,097			19,527,065			20,048,568
Funds purchased	1,021,755			748,074			776,356			789,302			1,155,983
Repurchase agreements	773,127			752,286			799,175			819,373			878,679
Other borrowings	1,038,747			1,551,591			2,175,747			2,172,417			863,360
Subordinated debentures	347,824			347,781			347,737			347,695			347,654
Derivative contracts, net	258,729			294,315			330,819			334,877			220,037
Due on unsettled securities purchases	116,295			152,078			111,998			330,926			665,175
Other liabilities	341,701			327,519			300,880			310,015			336,136
TOTAL LIABILITIES	24,133,694			24,048,985			24,289,809			24,631,670			24,515,592
Total equity	3,105,074			3,053,803			2,964,923			3,027,654			2,997,839
TOTAL LIABILITIES AND EQUITY	$	27,238,768		$	27,102,788		$	27,254,732		$	27,659,324		$	27,513,431

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STATEMENTS OF EARNINGS -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands, except per share data)
	Three Months Ended
	March 31,
	2014			2013
Interest revenue	$	179,120		$	190,046
Interest expense	16,478			18,594
Net interest revenue	162,642			171,452
Provision for credit losses	—			(8,000		)
Net interest revenue after provision for credit losses	162,642			179,452
Other operating revenue:
Brokerage and trading revenue	29,516			31,751
Transaction card revenue	29,134			27,692
Fiduciary and asset management revenue	25,722			22,313
Deposit service charges and fees	22,689			22,966
Mortgage banking revenue	22,844			39,976
Bank-owned life insurance	2,106			3,226
Other revenue	8,852			9,140
Total fees and commissions	140,863			157,064
Gain (loss) on other assets, net	(4,264		)	467
Gain (loss) on derivatives, net	968			(941		)
Gain (loss) on fair value option securities, net	2,660			(3,171		)
Change in fair value of mortgage servicing rights	(4,461		)	2,658
Gain on available for sale securities, net	1,240			4,855
Total other-than-temporary impairment losses	—			—
Portion of loss recognized in (reclassified from) other comprehensive income	—			(247		)
Net impairment losses recognized in earnings	—			(247		)
Total other operating revenue	137,006			160,685
Other operating expense:
Personnel	104,433			125,654
Business promotion	5,841			5,453
Charitable contributions to BOKF Foundation	2,420			—
Professional fees and services	7,565			6,985
Net occupancy and equipment	16,896			16,481
Insurance	4,541			3,745
Data processing and communications	27,135			25,450
Printing, postage and supplies	3,541			3,674
Net losses and operating expenses of repossessed assets	1,432			1,246
Amortization of intangible assets	816			876
Mortgage banking costs	3,634			7,354
Other expense	6,850			7,064
Total other operating expense	185,104			203,982
Net income before taxes	114,544			136,155
Federal and state income taxes	37,501			47,096
Net income	77,043			89,059
Net income attributable to non-controlling interests	453			1,095
Net income attributable to BOK Financial Corporation shareholders	$	76,590		$	87,964
Average shares outstanding:
Basic	68,273,685			67,814,550
Diluted	68,436,478			68,040,180
Net income per share:
Basic	$	1.11		$	1.28
Diluted	$	1.11		$	1.28

11

FINANCIAL HIGHLIGHTS -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands, except ratio and share data)
	Three Months Ended
	March 31, 2014			December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013
Capital:
Period-end shareholders' equity	$	3,109,925		$	3,020,049		$	2,991,244		$	2,957,637		$	3,011,958
Risk weighted assets	$	19,720,418		$	19,389,381		$	19,366,620		$	19,157,978		$	18,756,648
Risk-based capital ratios:
Tier 1	13.77		%	13.77		%	13.51		%	13.37		%	13.35		%
Total capital	15.55		%	15.56		%	15.35		%	15.28		%	15.68		%
Leverage ratio	10.17		%	10.05		%	9.80		%	9.43		%	9.28		%
Tangible common equity ratio1	10.06		%	9.90		%	9.73		%	9.38		%	9.70		%
Tier 1 common equity ratio	13.59		%	13.59		%	13.33		%	13.19		%	13.16		%
Common stock:
Book value per share	$	45.00		$	43.88		$	43.49		$	43.03		$	43.85
Market value per share:
High	$	69.69		$	66.32		$	69.36		$	65.95		$	62.77
Low	$	62.34		$	60.81		$	62.93		$	60.52		$	55.05
Cash dividends paid	$	27,637		$	27,523		$	26,135		$	26,118		$	26,067
Dividend payout ratio	36.08		%	37.72		%	34.51		%	32.68		%	29.63		%
Shares outstanding, net	69,111,167			68,829,450			68,787,584			68,739,208			68,687,718
Performance ratios (quarter annualized):
Return on average assets	1.14		%	1.07		%	1.10		%	1.16		%	1.30		%
Return on average equity	10.00		%	9.48		%	10.13		%	10.59		%	11.90		%
Net interest margin	2.71		%	2.74		%	2.75		%	2.80		%	2.90		%
Efficiency ratio	59.69		%	68.50		%	66.03		%	63.11		%	61.04		%
Reconciliation of non-GAAP measures:
1      Tangible common equity ratio:
Total shareholders' equity	$	3,109,925		$	3,020,049		$	2,991,244		$	2,957,637		$	3,011,958
Less: Goodwill and intangible assets, net	(396,131		)	(384,323		)	(385,166		)	(386,001		)	(386,876		)
Tangible common equity	$	2,713,794		$	2,635,726		$	2,606,078		$	2,571,636		$	2,625,082
Total assets	$	27,364,714		$	27,015,432		$	27,166,367		$	27,808,200		$	27,447,158
Less: Goodwill and intangible assets, net	(396,131		)	(384,323		)	(385,166		)	(386,001		)	(386,876		)
Tangible assets	$	26,968,583		$	26,631,109		$	26,781,201		$	27,422,199		$	27,060,282
Tangible common equity ratio	10.06		%	9.90		%	9.73		%	9.38		%	9.70		%

12

FINANCIAL HIGHLIGHTS -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands, except ratio and share data)
	Three Months Ended
	March 31, 2014			December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013
Other data:
Fiduciary assets	$	31,296,565		$	30,137,092		$	29,593,140		$	28,280,214		$	27,606,180
Mortgage servicing portfolio	$	14,045,642		$	13,718,942		$	13,298,479		$	12,741,651		$	12,272,691
Mortgage commitments	$	387,755		$	258,873		$	351,196		$	547,508		$	466,571
Mortgage loans funded for sale	$	727,516		$	848,870		$	1,080,167		$	1,196,038		$	956,315
Mortgage loan refinances to total fundings	32		%	29		%	30		%	48		%	62		%
Tax equivalent adjustment	$	2,551		$	2,467		$	2,565		$	2,647		$	2,619
Net unrealized gain (loss) on available for sale securities	$	15,446		$	(37,929	)	$	7,425		$	42,233		$	228,620
Gain (loss) on mortgage servicing rights, net of economic hedge:
Gain (loss) on mortgage hedge derivative contracts, net	$	968		$	(931	)	$	31		$	(2,526	)	$	(1,654	)
Gain (loss) on fair value option securities, net	2,585			(3,013		)	(89		)	(9,102		)	(3,232		)
Gain (loss) on economic hedge of mortgage servicing rights	3,553			(3,944		)	(58		)	(11,628		)	(4,886		)
Gain (loss) on changes in fair value of mortgage servicing rights	(4,461		)	6,093			(346		)	14,315			2,658
Gain (loss) on changes in fair value of mortgage servicing rights, net of economic hedges	$	(908	)	$	2,149		$	(404	)	$	2,687		$	(2,228	)
Net interest revenue on fair value option securities	$	790		$	811		$	741		$	910		$	828

13

QUARTERLY EARNINGS TREND -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands, except ratio and per share data)
	Three Months Ended
	March 31, 2014			December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013
Interest revenue	$	179,120		$	183,120		$	185,428		$	186,777		$	190,046
Interest expense	16,478			16,876			17,539			17,885			18,594
Net interest revenue	162,642			166,244			167,889			168,892			171,452
Provision for credit losses	—			(11,400		)	(8,500		)	—			(8,000		)
Net interest revenue after provision for credit losses	162,642			177,644			176,389			168,892			179,452
Other operating revenue:
Brokerage and trading revenue	29,516			28,515			32,338			32,874			31,751
Transaction card revenue	29,134			29,134			30,055			29,942			27,692
Fiduciary and asset management revenue	25,722			25,074			23,892			24,803			22,313
Deposit service charges and fees	22,689			23,440			24,742			23,962			22,966
Mortgage banking revenue	22,844			21,876			23,486			36,596			39,976
Bank-owned life insurance	2,106			2,285			2,408			2,236			3,226
Other revenue	8,852			12,048			8,314			8,760			9,140
Total fees and commissions	140,863			142,372			145,235			159,173			157,064
Gain (loss) on other assets, net	(4,264		)	651			(377		)	(1,666		)	467
Gain (loss) on derivatives, net	968			(930		)	31			(2,527		)	(941		)
Gain (loss) on fair value option securities, net	2,660			(2,805		)	(80		)	(9,156		)	(3,171		)
Change in fair value of mortgage servicing rights	(4,461		)	6,093			(346		)	14,315			2,658
Gain on available for sale securities, net	1,240			1,634			478			3,753			4,855
Total other-than-temporary impairment losses	—			—			(1,436		)	(1,138		)	—
Portion of loss recognized in (reclassified from) other comprehensive income	—			—			(73		)	586			(247		)
Net impairment losses recognized in earnings	—			—			(1,509		)	(552		)	(247		)
Total other operating revenue	137,006			147,015			143,432			163,340			160,685
Other operating expense:
Personnel	104,433			125,662			125,799			128,110			125,654
Business promotion	5,841			6,020			5,355			5,770			5,453
Charitable contributions to BOKF Foundation	2,420			—			2,062			—			—
Professional fees and services	7,565			10,003			7,183			8,381			6,985
Net occupancy and equipment	16,896			19,103			17,280			16,909			16,481
Insurance	4,541			4,394			3,939			4,044			3,745
Data processing and communications	27,135			28,196			25,695			26,734			25,450
Printing, postage and supplies	3,541			3,126			3,505			3,580			3,674
Net losses and operating expenses of repossessed assets	1,432			1,618			2,014			282			1,246
Amortization of intangible assets	816			842			835			875			876
Mortgage banking costs	3,634			7,071			8,753			7,910			7,354
Other expense	6,850			9,384			7,878			8,326			7,064
Total other operating expense	185,104			215,419			210,298			210,921			203,982
Net income before taxes	114,544			109,240			109,523			121,311			136,155
Federal and state income taxes	37,501			35,318			33,461			41,423			47,096
Net income	77,043			73,922			76,062			79,888			89,059
Net income (loss) attributable to non-controlling interests	453			946			324			(43		)	1,095
Net income attributable to BOK Financial Corporation shareholders	$	76,590		$	72,976		$	75,738		$	79,931		$	87,964
Average shares outstanding:
Basic	68,273,685			68,095,254			68,049,179			67,993,822			67,814,550
Diluted	68,436,478			68,293,758			68,272,861			68,212,497			68,040,180
Net income per share:
Basic	$	1.11		$	1.06		$	1.10		$	1.16		$	1.28
Diluted	$	1.11		$	1.06		$	1.10		$	1.16		$	1.28

14

LOANS TREND -- UNAUDITED BOK FINANCIAL CORPORATION (In thousands)
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
Commercial:
Energy	$	2,344,072	$	2,351,760	$	2,311,991	$	2,384,746	$	2,349,432
Services	2,232,471		2,282,210		2,148,551		2,204,253		2,114,799
Wholesale/retail	1,225,990		1,201,364		1,181,806		1,175,543		1,085,000
Manufacturing	444,215		391,751		382,460		386,133		399,818
Healthcare	1,396,562		1,274,246		1,160,212		1,118,810		1,081,636
Integrated food services	126,514		150,494		141,440		163,551		173,800
Other commercial and industrial	281,882		291,396		244,615		275,084		213,820
Total commercial	8,051,706		7,943,221		7,571,075		7,708,120		7,418,305
Commercial real estate:
Residential construction and land development	184,820		206,258		216,456		225,654		237,829
Retail	640,506		586,047		556,918		553,412		584,279
Office	436,264		411,499		422,043		459,558		420,644
Multifamily	662,674		576,502		520,454		500,452		460,474
Industrial	305,207		243,877		245,022		253,990		237,049
Other commercial real estate	401,936		391,170		388,336		324,030		344,885
Total commercial real estate	2,631,407		2,415,353		2,349,229		2,317,096		2,285,160
Residential mortgage:
Permanent mortgage	1,033,572		1,062,744		1,078,661		1,095,871		1,091,575
Permanent mortgages guaranteed by U.S. government agencies	184,822		181,598		163,919		156,887		162,419
Home equity	800,281		807,684		792,185		787,027		758,456
Total residential mortgage	2,018,675		2,052,026		2,034,765		2,039,785		2,012,450
Consumer	376,066		381,664		395,031		375,781		377,649
Total	$	13,077,854	$	12,792,264	$	12,350,100	$	12,440,782	$	12,093,564

15

LOANS BY PRINCIPAL MARKET AREA -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands)
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
Bank of Oklahoma:
Commercial	$	2,782,997	$	2,902,140	$	2,801,979	$	2,993,247	$	2,853,608
Commercial real estate	593,282		602,010		564,141		569,780		568,500
Residential mortgage	1,505,702		1,524,212		1,497,027		1,503,457		1,468,434
Consumer	179,733		192,283		207,360		211,744		207,662
Total Bank of Oklahoma	5,061,714		5,220,645		5,070,507		5,278,228		5,098,204
Bank of Texas:
Commercial	3,161,203		3,052,274		2,858,970		2,849,888		2,718,050
Commercial real estate	969,804		816,574		853,857		813,659		800,577
Residential mortgage	256,332		260,544		263,945		263,916		272,406
Consumer	136,782		131,297		129,144		105,390		110,060
Total Bank of Texas	4,524,121		4,260,689		4,105,916		4,032,853		3,901,093
Bank of Albuquerque:
Commercial	351,454		342,336		325,542		296,036		271,075
Commercial real estate	305,080		308,829		306,914		314,871		332,928
Residential mortgage	131,932		133,900		131,756		133,058		129,727
Consumer	12,972		13,842		14,583		14,364		14,403
Total Bank of Albuquerque	801,438		798,907		778,795		758,329		748,133
Bank of Arkansas:
Commercial	73,804		81,556		73,063		61,414		54,191
Commercial real estate	81,181		78,264		84,364		85,546		88,264
Residential mortgage	7,898		7,922		10,466		10,691		11,285
Consumer	6,881		8,023		9,426		11,819		13,943
Total Bank of Arkansas	169,764		175,765		177,319		169,470		167,683
Colorado State Bank & Trust:
Commercial	825,315		735,626		748,331		786,262		822,942
Commercial real estate	213,850		190,355		158,320		146,137		171,251
Residential mortgage	57,345		62,821		66,475		62,490		56,052
Consumer	22,095		22,686		22,592		23,148		20,990
Total Colorado State Bank & Trust	1,118,605		1,011,488		995,718		1,018,037		1,071,235
Bank of Arizona:
Commercial	453,799		417,702		379,817		355,698		326,266
Commercial real estate	301,266		257,477		250,129		258,938		229,020
Residential mortgage	42,899		47,111		49,109		51,774		54,285
Consumer	7,145		7,887		7,059		4,947		5,664
Total Bank of Arizona	805,109		730,177		686,114		671,357		615,235
Bank of Kansas City:
Commercial	403,134		411,587		383,373		365,575		372,173
Commercial real estate	166,944		161,844		131,504		128,165		94,620
Residential mortgage	16,567		15,516		15,987		14,399		20,261
Consumer	10,458		5,646		4,867		4,369		4,927
Total Bank of Kansas City	597,103		594,593		535,731		512,508		491,981
TOTAL BOK FINANCIAL	$	13,077,854	$	12,792,264	$	12,350,100	$	12,440,782	$	12,093,564

Loans attributed to a geographical region may not always represent the location of the borrower or the collateral.

16

DEPOSITS BY PRINCIPAL MARKET AREA -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands)
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
Bank of Oklahoma:
Demand	$	3,476,876	$	3,432,940	$	3,442,831	$	3,552,328	$	3,591,661
Interest-bearing:
Transaction	6,148,712		6,318,045		5,565,462		5,644,959		6,132,736
Savings	211,770		191,880		189,186		185,345		185,363
Time	1,209,002		1,214,507		1,197,617		1,179,869		1,264,365
Total interest-bearing	7,569,484		7,724,432		6,952,265		7,010,173		7,582,464
Total Bank of Oklahoma	11,046,360		11,157,372		10,395,096		10,562,501		11,174,125
Bank of Texas:
Demand	2,513,729		2,481,603		2,498,668		2,299,632		2,098,891
Interest-bearing:
Transaction	1,967,107		1,966,580		1,853,586		1,931,758		1,979,318
Savings	70,890		64,632		63,368		63,745		63,218
Time	621,925		638,465		667,873		692,888		717,974
Total interest-bearing	2,659,922		2,669,677		2,584,827		2,688,391		2,760,510
Total Bank of Texas	5,173,651		5,151,280		5,083,495		4,988,023		4,859,401
Bank of Albuquerque:
Demand	524,191		502,395		491,894		455,580		446,841
Interest-bearing:
Transaction	516,734		529,140		541,565		525,481		513,774
Savings	37,481		33,944		34,003		34,096		35,560
Time	320,352		327,281		334,946		346,506		354,303
Total interest-bearing	874,567		890,365		910,514		906,083		903,637
Total Bank of Albuquerque	1,398,758		1,392,760		1,402,408		1,361,663		1,350,478
Bank of Arkansas:
Demand	40,026		38,566		33,378		31,778		32,761
Interest-bearing:
Transaction	212,144		144,018		205,891		187,223		156,079
Savings	2,264		1,986		1,919		1,974		2,642
Time	32,312		32,949		35,184		37,272		41,613
Total interest-bearing	246,720		178,953		242,994		226,469		200,334
Total Bank of Arkansas	286,746		217,519		276,372		258,247		233,095
Colorado State Bank & Trust:
Demand	399,820		409,942		375,060		367,407		298,470
Interest-bearing:
Transaction	536,438		541,675		536,734		519,584		528,060
Savings	28,973		26,880		27,782		27,948		27,187
Time	399,948		407,088		424,225		451,168		461,496
Total interest-bearing	965,359		975,643		988,741		998,700		1,016,743
Total Colorado State Bank & Trust	1,365,179		1,385,585		1,363,801		1,366,107		1,315,213

17

DEPOSITS BY PRINCIPAL MARKET AREA -- UNAUDITED BOK FINANCIAL CORPORATION (in thousands)
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
Bank of Arizona:
Demand	265,149		204,092		188,365		186,382		157,754
Interest-bearing:
Transaction	409,200		364,736		339,158		376,305		378,420
Savings	2,711		2,432		2,511		2,238		2,122
Time	37,989		34,391		36,285		35,490		34,690
Total interest-bearing	449,900		401,559		377,954		414,033		415,232
Total Bank of Arizona	715,049		605,651		566,319		600,415		572,986
Bank of Kansas City:
Demand	252,496		246,739		301,780		252,216		274,482
Interest-bearing:
Transaction	109,321		69,857		77,414		81,250		53,915
Savings	1,507		1,252		1,080		1,029		983
Time	40,646		41,312		23,890		24,779		25,613
Total interest-bearing	151,474		112,421		102,384		107,058		80,511
Total Bank of Kansas City	403,970		359,160		404,164		359,274		354,993
TOTAL BOK FINANCIAL	$	20,389,713	$	20,269,327	$	19,491,655	$	19,496,230	$	19,860,291

18

NET INTEREST MARGIN TREND -- UNAUDITED BOK FINANCIAL CORPORATION
	Three Months Ended
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
TAX-EQUIVALENT ASSETS YIELDS
Interest-bearing cash and cash equivalents	0.20	%	0.18	%	0.22	%	0.27	%	0.19	%
Trading securities	2.85	%	1.73	%	2.25	%	2.40	%	2.13	%
Investment securities:
Taxable	5.64	%	5.75	%	5.78	%	5.88	%	5.88	%
Tax-exempt	1.67	%	1.66	%	1.60	%	1.88	%	2.38	%
Total investment securities	3.04	%	3.12	%	3.22	%	3.58	%	4.17	%
Available for sale securities:
Taxable	1.90	%	1.89	%	1.92	%	1.94	%	2.09	%
Tax-exempt	3.11	%	2.74	%	2.81	%	3.59	%	3.39	%
Total available for sale securities	1.91	%	1.89	%	1.93	%	1.96	%	2.11	%
Fair value option securities	1.99	%	2.06	%	1.80	%	1.92	%	2.06	%
Restricted equity securities	4.68	%	5.06	%	3.05	%	4.05	%	4.30	%
Residential mortgage loans held for sale	3.46	%	4.16	%	3.87	%	3.54	%	3.36	%
Loans	3.89	%	4.01	%	4.06	%	4.12	%	4.20	%
Allowance for loan losses
Loans, net of allowance	3.95	%	4.07	%	4.13	%	4.19	%	4.27	%
Total tax-equivalent yield on earning assets	2.99	%	3.02	%	3.03	%	3.10	%	3.21	%
COST OF INTEREST-BEARING LIABILITIES
Interest-bearing deposits:
Interest-bearing transaction	0.10	%	0.11	%	0.11	%	0.12	%	0.13	%
Savings	0.12	%	0.12	%	0.13	%	0.15	%	0.16	%
Time	1.56	%	1.55	%	1.55	%	1.57	%	1.62	%
Total interest-bearing deposits	0.41	%	0.42	%	0.43	%	0.44	%	0.46	%
Funds purchased	0.06	%	0.08	%	0.07	%	0.10	%	0.13	%
Repurchase agreements	0.08	%	0.06	%	0.06	%	0.06	%	0.07	%
Other borrowings	0.40	%	0.31	%	0.28	%	0.27	%	0.49	%
Subordinated debt	2.52	%	2.48	%	2.52	%	2.54	%	2.52	%
Total cost of interest-bearing liabilities	0.41	%	0.42	%	0.42	%	0.43	%	0.46	%
Tax-equivalent net interest revenue spread	2.58	%	2.60	%	2.61	%	2.67	%	2.75	%
Effect of noninterest-bearing funding sources and other	0.13	%	0.14	%	0.14	%	0.13	%	0.15	%
Tax-equivalent net interest margin	2.71	%	2.74	%	2.75	%	2.80	%	2.90	%

Yield calculations are shown on a tax equivalent basis at the statutory federal and state rates for the periods presented. The yield calculations exclude security trades that have been recorded on trade date with no corresponding interest income and the unrealized gains and losses. The yield calculation also includes average loan balances for which the accrual of interest has been discontinued and are net of unearned income.

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CREDIT QUALITY INDICATORS BOK FINANCIAL CORPORATION (in thousands, except ratios)
	Three Months Ended
	March 31, 2014		December 31, 2013		September 30, 2013		June 30, 2013		March 31, 2013
Nonperforming assets:
Nonaccruing loans:
Commercial	$	19,047	$	16,760	$	19,522	$	20,869	$	19,861
Commercial real estate	39,305		40,850		52,502		58,693		65,175
Residential mortgage	45,380		42,320		39,256		40,534		45,426
Consumer	974		1,219		1,624		2,037		2,171
Total nonaccruing loans	104,706		101,149		112,904		122,133		132,633
Accruing renegotiated loans guaranteed by U.S. government agencies	55,507		54,322		50,099		48,733		47,942
Real estate and other repossessed assets:
Guaranteed by U.S. government agencies	45,638		37,431		37,906		32,155		27,864
Other	49,877		54,841		70,216		77,957		74,837
Total real estate and other repossessed assets	95,515		92,272		108,122		110,112		102,701
Total nonperforming assets	$	255,728	$	247,743	$	271,125	$	280,978	$	283,276
Total nonperforming assets excluding those guaranteed by U.S. government agencies	$	153,011	$	155,213	$	182,543	$	200,007	$	207,256
Nonaccruing loans by loan portfolio sector:
Commercial:
Energy	$	1,759	$	1,860	$	1,953	$	2,277	$	2,377
Services	4,581		4,922		6,927		7,448		9,474
Wholesale / retail	6,854		6,969		7,223		6,700		2,239
Manufacturing	3,565		592		843		876		1,848
Healthcare	1,443		1,586		1,733		2,670		2,962
Integrated food services	—		—		—		—		—
Other commercial and industrial	845		831		843		898		961
Total commercial	19,047		16,760		19,522		20,869		19,861
Commercial real estate:
Residential construction and land development	16,547		17,377		20,784		21,135		23,462
Retail	4,626		4,857		7,914		8,406		8,921
Office	6,301		6,391		6,838		7,828		12,851
Multifamily	—		7		4,350		6,447		4,501
Industrial	886		252		—		—		2,198
Other commercial real estate	10,945		11,966		12,616		14,877		13,242
Total commercial real estate	39,305		40,850		52,502		58,693		65,175
Residential mortgage:
Permanent mortgage	36,342		34,279		31,797		32,747		38,153
Permanent mortgage guaranteed by U.S. government agencies	1,572		777		577		83		214
Home equity	7,466		7,264		6,882		7,704		7,059
Total residential mortgage	45,380		42,320		39,256		40,534		45,426
Consumer	974		1,219		1,624		2,037		2,171
Total nonaccruing loans	$	104,706	$	101,149	$	112,904	$	122,133	$	132,633
Performing loans 90 days past due1	$	1,991	$	1,415	$	188	$	2,460	$	4,229

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CREDIT QUALITY INDICATORS BOK FINANCIAL CORPORATION (in thousands, except ratios)
	Three Months Ended
	March 31, 2014			December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013
Gross charge-offs	$	(2,848	)	$	(3,113	)	$	(4,708	)	$	(8,552	)	$	(8,909	)
Recoveries	5,360			6,068			4,409			6,210			6,557
Net recoveries (charge-offs)	$	2,512		$	2,955		$	(299	)	$	(2,342	)	$	(2,352	)
Provision for credit losses	$	—		$	(11,400	)	$	(8,500	)	$	—		$	(8,000	)
Allowance for loan losses to period end loans	1.44		%	1.45		%	1.57		%	1.63		%	1.70		%
Combined allowance for credit losses to period end loans	1.45		%	1.47		%	1.59		%	1.65		%	1.71		%
Nonperforming assets to period end loans and repossessed assets	1.94		%	1.92		%	2.18		%	2.24		%	2.32		%
Net charge-offs (annualized) to average loans	(0.08		)%	(0.09		)%	0.01		%	0.08		%	0.08		%
Allowance for loan losses to nonaccruing loans	179.86		%	183.29		%	172.12		%	166.31		%	155.29		%
Combined allowance for credit losses to nonaccruing loans	181.46		%	185.35		%	173.54		%	167.63		%	156.12		%
1   Excludes residential mortgage loans guaranteed by agencies of the U.S. government.

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