
	December 31, 2024								December 31, 2023
	Fixed Rate		Variable Rate		Non-accrual		Total		Fixed Rate		Variable Rate		Non- accrual		Total
Commercial	$	3,450,238	$	11,565,251	$	14,647	$	15,030,136	$	3,558,563	$	11,135,075	$	110,131	$	14,803,769
Commercial real estate	668,532		4,380,015		9,905		5,058,452		791,757		4,538,570		7,320		5,337,647
Loans to individuals	2,620,936		1,383,027		22,173		4,026,136		2,282,914		1,452,620		28,018		3,763,552
Total	$	6,739,706	$	17,328,293	$	46,725	$	24,114,724	$	6,633,234	$	17,126,265	$	145,469	$	23,904,968
Foregone interest on nonaccrual loans							$	10,061							$	7,863

At December 31, 2024, loans to businesses and individuals with collateral primarily located in Texas totaled $7.8 billion or 32% of the total loan portfolio. Loans to businesses and individuals with collateral primarily located in Oklahoma totaled $3.7 billion or 15% of our total loan portfolio. Loans to businesses and individuals with collateral primarily located in Colorado totaled $2.9 billion or 12% of our total loan portfolio. Loans for which the collateral location is not relevant, such as unsecured loans and reserve-based energy loans, are distributed by the borrower’s primary operating location. These geographic concentrations subject the loan portfolio to the general economic conditions within these areas.

Commercial loans represent loans for working capital, facilities acquisition or expansion, purchases of equipment and other needs of commercial customers primarily located within our geographical footprint. Commercial loans are underwritten individually and represent on-going relationships based on a thorough knowledge of the customer, the customer’s industry and market. While commercial loans are generally secured by the customer’s assets including real property, inventory, accounts receivable, operating equipment, interest in mineral rights and other property and may also include personal guarantees of the owners and related parties, the primary source of repayment of the loans is the on-going cash flow from operations of the customer’s business. Inherent lending risk is centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with commercial lending policies.

At December 31, 2024, commercial loans with collateral primarily located in Texas totaled $5.0 billion or 34% of the commercial loan portfolio segment. Commercial loans with collateral primarily located in Oklahoma totaled $2.3 billion or 15% of the commercial loan portfolio segment. Commercial loans with collateral primarily located in Colorado totaled $1.7 billion or 12% of the commercial loan portfolio segment. The commercial loan portfolio segment is further divided into loan classes. The healthcare loan class totaled $4.0 billion or 16% of total loans. The healthcare loan class consists primarily of loans for the development and operation of senior housing and care facilities, including independent living, assisted living and skilled nursing. Healthcare also includes loans to hospitals and other medical service providers. The services loan class totaled $3.6 billion or 15% of total loans. Businesses included in the services class include Native American tribal and state and local municipal government entities, Native American tribal casino operations, foundations and not-for-profit organizations, educational services, and specialty trade contractors. The energy loan class totaled $3.3 billion or 13% of total loans, including $2.6 billion of outstanding loans to energy producers. Approximately 70% of the committed production loans are secured by properties primarily producing oil and 30% of the committed production loans are secured by properties primarily producing natural gas. General business loans represent $4.2 billion or 17% of total loans. General business loans primarily consist of wholesale/retail loans and loans from other commercial industries.

At December 31, 2023, commercial loans with collateral primarily located in Texas totaled $4.8 billion or 33% of the commercial loan portfolio segment, commercial loans with collateral primarily located in Oklahoma totaled $1.8 billion or 12% of the commercial loan portfolio segment, and commercial loans with collateral primarily located in Colorado totaled $1.8 billion or 12% of the commercial loan portfolio segment. The healthcare loan class totaled $4.1 billion or 17% of total loans. The services loan class totaled $3.6 billion or 15% of total loans. The energy loan class totaled $3.4 billion or 14% of total loans, including $2.7 billion of outstanding loans to energy producers. At December 31, 2023, approximately 69% of committed production loans were secured by properties primarily producing oil and 31% were secured by properties producing natural gas.

Commercial real estate loans are for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes primarily within our geographical footprint. We require collateral values in excess of the loan amounts, demonstrated cash flows in excess of expected debt service requirements, equity investment in the project and a portion of the project already sold, leased or permanent financing already secured. The expected cash flows from all significant new or renewed income producing property commitments are stress tested to reflect the risks in varying interest rates, vacancy rates and rental rates. As with commercial loans, inherent lending risks are centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with applicable lending policies.

At December 31, 2024, 29% of commercial real estate loans were secured by properties primarily located in the Dallas and Houston metropolitan areas of Texas, 11% of commercial real estate loans were secured by properties primarily located in the Denver metropolitan area of Colorado, while concentrations in all other states were less than 10%. At December 31, 2023, 31% of commercial real estate loans are secured by properties primarily located in the Dallas and Houston metropolitan areas of Texas while concentrations in all other states were less than 10%.

Loans to individuals include residential mortgage and personal loans. Residential mortgage loans provide funds for our customers to purchase or refinance their primary residence or to borrow against the equity in their home. These loans are secured by a first or second mortgage on the customer's primary residence. Personal loans consist primarily of loans to Wealth Management clients secured by the cash surrender value of insurance policies and marketable securities. Personal loans also include direct loans secured by and for the purchase of automobiles, recreational and marine equipment as well as unsecured loans. These loans are made in accordance with underwriting policies we believe to be conservative and are fully documented. Loans may be individually underwritten or credit scored based on size and other criteria. Credit scoring is assessed based on significant credit characteristics including credit history, residential and employment stability.

Residential mortgage loans guaranteed by U.S. government agencies have limited credit exposure because of the agency guarantee. This amount includes residential mortgage loans previously sold into GNMA mortgage pools that the Company may repurchase when certain defined delinquency criteria are met. Because of this repurchase right, the Company is deemed to have regained effective control over these loans and must include them on the Consolidated Balance Sheet.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At December 31, 2024, outstanding commitments totaled $14.7 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At December 31, 2024, outstanding standby letters of credit totaled $703 million.

BOK Financial maintains an allowance for loan losses and accrual for off-balance sheet credit risk from unfunded commitments. The allowance consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics based on probability of default, loss given default and exposure at default for each loan class developed based on current and forecasted relevant economic loss drivers.


	Commercial		Commercial Real Estate		Loans to Individuals		Total
Allowance for loan losses:
Beginning balance	$	141,232	$	94,718	$	41,173	$	277,123


Provision for loan losses	12,614		(2,481)		5,658		15,791
Loans charged off	(11,763)		(1,455)		(5,617)		(18,835)
Recoveries of loans previously charged off	3,070		290		2,596		5,956
Ending balance	$	145,153	$	91,072	$	43,810	$	280,035

Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance	$	19,762	$	27,439	$	1,776	$	48,977


Provision for off-balance sheet credit risk	(1,716)		4,520		(141)		2,663
Ending balance	$	18,046	$	31,959	$	1,635	$	51,640


	Commercial		Commercial Real Estate		Loans to Individuals		Total
Allowance for loan losses:
Beginning balance	$	131,586	$	57,648	$	46,470	$	235,704


Provision for loan losses	19,308		42,151		(1,941)		59,518
Loans charged off	(12,898)		(8,446)		(5,972)		(27,316)
Recoveries of loans previously charged off	3,236		3,365		2,616		9,217
Ending balance	$	141,232	$	94,718	$	41,173	$	277,123

Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance	$	18,246	$	40,490	$	2,183	$	60,919


Provision for off-balance sheet credit risk	1,516		(13,051)		(407)		(11,942)
Ending balance	$	19,762	$	27,439	$	1,776	$	48,977


	Commercial		Commercial Real Estate		Loans to Individuals		Total
Allowance for loan losses:
Beginning balance	$	162,056	$	58,553	$	35,812	$	256,421


Provision for loan losses	(12,782)		(813)		14,023		428
Loans charged off	(22,382)		(269)		(6,095)		(28,746)
Recoveries of loans previously charged off	4,694		177		2,730		7,601
Ending balance	$	131,586	$	57,648	$	46,470	$	235,704

Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance	$	13,812	$	17,442	$	1,723	$	32,977


Provision for off-balance sheet credit losses	4,434		23,048		460		27,942
Ending balance	$	18,246	$	40,490	$	2,183	$	60,919


	Collectively Measured for General Allowances				Individually Measured for Specific Allowances				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	15,015,489	$	144,877	$	14,647	$	276	$	15,030,136	$	145,153
Commercial real estate	5,048,547		91,072		9,905		—		5,058,452		91,072
Loans to individuals	4,003,963		43,810		22,173		—		4,026,136		43,810
Total	$	24,067,999	$	279,759	$	46,725	$	276	$	24,114,724	$	280,035


	Collectively Measured for General Allowances				Individually Measured for Specific Allowances				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	14,693,638	$	138,540	$	110,131	$	2,692	$	14,803,769	$	141,232
Commercial real estate	5,330,327		94,718		7,320		—		5,337,647		94,718
Loans to individuals	3,735,534		41,173		28,018		—		3,763,552		41,173
Total	$	23,759,499	$	274,431	$	145,469	$	2,692	$	23,904,968	$	277,123

The Company utilizes risk grading as primary credit quality indicators as it influences the probability of default which is a key attribute in the expected credit losses calculation. Substantially all commercial as well as commercial real estate loans and certain loans to individuals are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most loans to individuals are small, homogeneous pools that are not risk-graded. The credit quality of these loans is based on past due days in accordance with regulatory guidelines.

We have included in the credit quality indicator "pass" loans that are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers’ ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of "pass." This also includes past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors’ programs.

The risk grading process identifies certain loans that have a well-defined weakness (for example, inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for "substandard." Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans remain on accruing status. Non-graded loans 60 to 89 days past due are categorized as Accruing Substandard.


	Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Commercial:
Healthcare
Pass	$	539,305	$	544,103	$	896,042	$	481,816	$	344,609	$	644,441	$	249,793	$	10	$	3,700,119
Special Mention	—		15,000		64,895		110		—		32,555		255		—		112,815
Accruing Substandard	—		38,180		5,253		15,529		51,134		29,151		1,635		—		140,882
Nonaccrual	—		—		96		463		—		13,158		—		—		13,717
Total healthcare	539,305		597,283		966,286		497,918		395,743		719,305		251,683		10		3,967,533
Loans charged off, year-to-date	—		—		—		—		—		7,240		—		—		7,240


Energy
Pass	148,972		46,094		39,050		2,621		6,488		16,989		2,985,161		—		3,245,375

Accruing Substandard	—		—		—		—		—		—		9,300		—		9,300
Nonaccrual	—		—		—		—		—		49		—		—		49
Total energy	148,972		46,094		39,050		2,621		6,488		17,038		2,994,461		—		3,254,724
Loans charged off, year-to-date	—		—		—		—		—		—		226		—		226


Services
Pass	629,978		625,969		422,015		404,949		187,324		570,775		745,853		379		3,587,242
Special Mention	—		3,324		123		1,537		—		11,796		17,923		—		34,703
Accruing Substandard	—		675		9,030		20		1,217		7,750		1,399		400		20,491
Nonaccrual	—		—		—		—		—		—		767		—		767
Total services	629,978		629,968		431,168		406,506		188,541		590,321		765,942		779		3,643,203
Loans charged off, year-to-date	—		—		—		—		22		80		9		—		111


General business
Pass	740,440		571,897		267,528		176,468		117,755		319,986		1,862,643		1,938		4,058,655
Special Mention	4,399		5,749		4,285		7,002		224		1,736		3,037		—		26,432
Accruing Substandard	3,980		15,872		43,300		4,764		992		4,708		5,859		—		79,475
Nonaccrual	—		32		—		—		—		23		—		59		114
Total general business	748,819		593,550		315,113		188,234		118,971		326,453		1,871,539		1,997		4,164,676
Loans charged off, year-to-date	—		27		1,465		—		—		166		2,425		103		4,186


Total commercial	2,067,074		1,866,895		1,751,617		1,095,279		709,743		1,653,117		5,883,625		2,786		15,030,136

Commercial real estate:
Pass	436,206		512,614		2,004,558		793,161		233,619		810,497		141,307		—		4,931,962
Special Mention	—		313		14,907		32,131		—		—		—		—		47,351
Accruing Substandard	—		—		36,981		—		—		32,253		—		—		69,234
Nonaccrual	—		—		—		—		—		9,905		—		—		9,905
Total commercial real estate	436,206		512,927		2,056,446		825,292		233,619		852,655		141,307		—		5,058,452
Loans charged off, year-to-date	—		—		—		—		—		1,455		—		—		1,455


	Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Loans to individuals:
Residential mortgage
Pass	530,186		338,187		286,865		318,935		314,814		210,251		395,943		22,929		2,418,110
Special Mention	—		167		148		219		—		113		1,767		—		2,414
Accruing Substandard	—		—		163		—		—		45		898		67		1,173
Nonaccrual	245		1,758		990		522		583		7,420		3,221		522		15,261
Total residential mortgage	530,431		340,112		288,166		319,676		315,397		217,829		401,829		23,518		2,436,958
Loans charged off, year-to-date	—		43		—		—		—		18		10		—		71


Residential mortgage guaranteed by U.S. government agencies
Pass	462		4,337		6,618		2,432		3,506		112,491		—		—		129,846


Nonaccrual	—		—		—		—		280		6,523		—		—		6,803
Total residential mortgage guaranteed by U.S. government agencies	462		4,337		6,618		2,432		3,786		119,014		—		—		136,649



Personal
Pass	245,737		149,572		167,272		115,710		107,291		151,030		510,147		2,619		1,449,378
Special Mention	18		17		30		825		8		—		8		—		906
Accruing Substandard	16		—		—		—		1		129		1,990		—		2,136
Nonaccrual	31		3		30		13		4		5		23		—		109
Total personal	245,802		149,592		167,332		116,548		107,304		151,164		512,168		2,619		1,452,529
Loans charged off, year-to-date1	5,269		69		101		52		9		—		26		20		5,546


Total loans to individuals	776,695		494,041		462,116		438,656		426,487		488,007		913,997		26,137		4,026,136
Total loans	$	3,279,975	$	2,873,863	$	4,270,179	$	2,359,227	$	1,369,849	$	2,993,779	$	6,938,929	$	28,923	$	24,114,724


	Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Commercial:
Healthcare
Pass	$	650,768	$	895,602	$	590,736	$	409,001	$	331,897	$	809,858	$	281,378	$	15	$	3,969,255
Special Mention	—		—		—		21,791		—		31,235		5		—		53,031
Accruing Substandard	—		2,128		18,508		6,911		—		10,896		975		—		39,418
Nonaccrual	—		—		—		30,290		23,129		28,110		—		—		81,529
Total healthcare	650,768		897,730		609,244		467,993		355,026		880,099		282,358		15		4,143,233


Loans charged off, year-to-date	—		—		—		—		2,500		—		—		—		2,500
Energy
Pass	190,122		100,006		43,769		7,876		9,562		11,583		3,025,590		—		3,388,508
Special Mention	—		—		—		—		—		—		13,950		—		13,950
Accruing Substandard	—		—		—		—		—		—		16,800		—		16,800
Nonaccrual	—		—		—		—		—		99		17,744		—		17,843
Total energy	190,122		100,006		43,769		7,876		9,562		11,682		3,074,084		—		3,437,101



Services
Pass	900,090		526,776		401,872		228,818		106,112		643,477		730,729		595		3,538,469
Special Mention	—		1,085		1,520		1,341		534		4,522		81		—		9,083
Accruing Substandard	—		13,712		178		326		3,972		3,746		3,108		13		25,055
Nonaccrual	—		—		1,635		338		—		—		1,643		—		3,616
Total services	900,090		541,573		405,205		230,823		110,618		651,745		735,561		608		3,576,223


Loans charged off, year-to-date	—		—		3,060		—		—		—		2,642		—		5,702
General business
Pass	942,468		436,832		224,735		138,951		101,100		287,744		1,389,128		2,164		3,523,122
Special Mention	10,264		16,167		8,420		1,253		321		8,295		897		—		45,617
Accruing Substandard	4,401		33,194		1,716		27		—		—		31,992		—		71,330
Nonaccrual	—		1,134		—		—		—		48		5,956		5		7,143
Total general business	957,133		487,327		234,871		140,231		101,421		296,087		1,427,973		2,169		3,647,212


Loans charged off, year-to-date	—		—		4,598		2		—		48		10		38		4,696
Total commercial	2,698,113		2,026,636		1,293,089		846,923		576,627		1,839,613		5,519,976		2,792		14,803,769

Commercial real estate:
Pass	396,891		1,941,913		1,194,759		416,647		513,555		705,092		136,095		—		5,304,952
Special Mention	—		476		—		—		—		19,171		—		—		19,647
Accruing Substandard	2,992		—		3		—		—		2,733		—		—		5,728
Nonaccrual	—		—		—		—		7,170		150		—		—		7,320
Total commercial real estate	399,883		1,942,389		1,194,762		416,647		520,725		727,146		136,095		—		5,337,647


Loans charged off, year-to-date	—		—		—		—		—		8,446		—		—		8,446


	Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Loans to individuals:
Residential mortgage
Pass	426,089		320,733		342,927		349,742		54,801		243,356		375,739		23,895		2,137,282
Special Mention	157		140		131		1,361		18		134		2,982		93		5,016
Accruing Substandard	—		150		—		—		37		49		50		—		286
Nonaccrual	79		1,419		237		544		344		12,381		2,387		665		18,056
Total residential mortgage	426,325		322,442		343,295		351,647		55,200		255,920		381,158		24,653		2,160,640


Loans charged off, year-to-date	—		—		51		4		—		17		—		1		73
Residential mortgage guaranteed by U.S. government agencies
Pass	633		1,788		2,220		4,297		6,441		124,719		—		—		140,098


Nonaccrual	—		—		—		280		375		9,054		—		—		9,709
Total residential mortgage guaranteed by U.S. government agencies	633		1,788		2,220		4,577		6,816		133,773		—		—		149,807



Personal
Pass	218,401		229,580		149,291		136,215		75,348		137,629		503,841		145		1,450,450
Special Mention	66		39		106		30		8		—		1,918		3		2,170
Accruing Substandard	—		64		12		9		144		—		3		—		232
Nonaccrual	4		51		9		16		3		12		158		—		253
Total personal	218,471		229,734		149,418		136,270		75,503		137,641		505,920		148		1,453,105


Loans charged off, year-to-date1	5,636		82		96		43		—		10		6		26		5,899
Total loans to individuals	645,429		553,964		494,933		492,494		137,519		527,334		887,078		24,801		3,763,552
Total loans	$	3,743,425	$	4,522,989	$	2,982,784	$	1,756,064	$	1,234,871	$	3,094,093	$	6,543,149	$	27,593	$	23,904,968


	Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Healthcare	$	13,717	$	13,717	$	—	$	—
Energy	49		49		—		—
Services	767		491		276		276
General business	114		114		—		—
Total commercial	14,647		14,371		276		276

Commercial real estate	9,905		9,905		—		—

Loans to individuals:
Residential mortgage	15,261		15,261		—		—
Residential mortgage guaranteed by U.S. government agencies	6,803		6,803		—		—
Personal	109		109		—		—
Total loans to individuals	22,173		22,173		—		—

Total	$	46,725	$	46,449	$	276	$	276


	Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Healthcare	$	81,529	$	40,372	$	41,157	$	1,478
Energy	17,843		17,843		—		—
Services	3,616		1,684		1,932		1,214
General business	7,143		7,143		—		—
Total commercial	110,131		67,042		43,089		2,692

Commercial real estate	7,320		7,320		—		—

Loans to individuals:
Residential mortgage	18,056		18,056		—		—
Residential mortgage guaranteed by U.S. government agencies	9,709		9,709		—		—
Personal	253		253		—		—
Total loans to individuals	28,018		28,018		—		—

Total	$	145,469	$	102,380	$	43,089	$	2,692

For the year ended December 31, 2024, the Company had $100 million of loan modifications to borrowers experiencing financial difficulty, including $72 million of healthcare loans, $9.3 million of energy loans, and $8.6 million of residential mortgage loans guaranteed by U.S. government agencies. Modifications generally consist of interest rate reductions, an other than insignificant payment delay, term extension, or a combination. Approximately $91 million of the modifications are term extensions of commercial loans and personal loans, and $8.6 million are combination modifications to residential mortgage loans guaranteed by U.S. government agencies. During the year ended December 31, 2024, $31 million of loans that were modified in the previous twelve months defaulted. Approximately $25 million of these defaults were related to term extensions of commercial loans, and $5.2 million of these defaults were related to combination modifications to residential mortgage loans guaranteed by U.S. government agencies. A payment default is defined as being 30 or more days past due after modification.

For the year ended December 31, 2023, the Company had $130 million of loan modifications to borrowers experiencing financial difficulty, including $67 million of general business loans, $47 million of healthcare loans, and $13 million of residential mortgage loans guaranteed by U.S. government agencies. Approximately $93 million of the modifications are term extensions of general business, healthcare, and services loans, and $36 million are combination modifications to healthcare loans and residential mortgage loans guaranteed by U.S. government agencies. During the year ended December 31, 2023, $4.8 million of residential mortgage loans guaranteed by U.S. government agencies were modified and subsequently defaulted.


			Past Due
	Current		30 to 59 Days		60 to 89 Days		90 Days or More		Total		Past Due 90 Days or More and Accruing
Commercial:
Healthcare	$	3,932,142	$	25,778	$	—	$	9,613	$	3,967,533	$	—
Services	3,642,436		—		767		—		3,643,203		—
Energy	3,254,724		—		—		—		3,254,724		—
General business	4,161,510		3,067		70		29		4,164,676		—
Total commercial	14,990,812		28,845		837		9,642		15,030,136		—

Commercial real estate	5,048,667		—		—		9,785		5,058,452		—



Loans to individuals:
Permanent mortgage	2,416,633		10,930		5,622		3,773		2,436,958		—
Permanent mortgages guaranteed by U.S. government agencies	45,910		18,514		15,268		56,957		136,649		52,504
Personal	1,451,397		1,061		48		23		1,452,529		—
Total loans to individuals	3,913,940		30,505		20,938		60,753		4,026,136		52,504

Total	$	23,953,419	$	59,350	$	21,775	$	80,180	$	24,114,724	$	52,504


			Past Due
	Current		30 to 59 Days		60 to 89 Days		90 Days or More		Total		Past Due 90 Days or More and Accruing
Commercial:
Healthcare	$	4,071,336	$	18,019	$	30,290	$	23,588	$	4,143,233	$	—
Services	3,575,787		2		—		434		3,576,223		—
Energy	3,437,101		—		—		—		3,437,101		—
General business	3,639,775		412		1,157		5,868		3,647,212		—
Total commercial	14,723,999		18,433		31,447		29,890		14,803,769		—

Commercial real estate	5,327,481		2,992		—		7,174		5,337,647		3



Loans to individuals:
Permanent mortgage	2,149,927		6,340		1,494		2,879		2,160,640		36
Permanent mortgages guaranteed by U.S. government agencies	54,122		25,085		17,053		53,547		149,807		48,201
Personal	1,450,302		2,561		88		154		1,453,105		131
Total loans to individuals	3,654,351		33,986		18,635		56,580		3,763,552		48,368

Total	$	23,705,831	$	55,411	$	50,082	$	93,644	$	23,904,968	$	48,371