Company Profile For BOK Financial Corporation

BOK Financial Corporation (BOK Financial) is a financial holding company. BOK Financial offers banking services in Oklahoma, Dallas, Fort Worth and Houston, Texas, Albuquerque, New Mexico, Northwest Arkansas, Denver, Colorado, Phoenix, Arizona and Kansas City, Missouri/Kansas. Its principal subsidiaries include Bank of Oklahoma, N.A. (BOk), Bank of Texas, N.A., Bank of Albuquerque, N.A., Bank of Arkansas, N.A., Colorado State Bank and Trust, N.A., Bank of Arizona, N.A. and Bank of Kansas City, N.A. Other subsidiaries include BOSC, Inc., a broker/dealer that engages in retail and institutional securities sales and municipal bond underwriting. BOK Financial operates three principal lines of business: commercial banking, consumer banking and wealth management.

BRIEF: For the nine months ended 30 September 2009, BOK Financial Corporation's interest income decreased 14% to $690.2M. Net interest income after loan loss provision increased 11% to $378.6M. Net income applicable to Common increased 34% to $157.2M. Net interest income reflects a decrease in interest income from loan offset by lower interest on deposits & borrowed funds. Net income also reflects higher brokerage & trading revenue.