BOK Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,630	1,766	1,635	982.68	774.82
Interest Income on Investments	900.85	870.63	707.5	409.42	405.11
Total Interest Income	2,531	2,636	2,342	1,392	1,180
Interest Paid on Deposits	955.77	1,026	626.6	121.75	33.48
Interest Paid on Borrowings	248.15	399.98	443.69	58.97	28.41
Total Interest Expense	1,204	1,426	1,070	180.72	61.9
Net Interest Income	1,327	1,211	1,272	1,211	1,118
Net Interest Income Growth (YoY)	9.63%	-4.83%	5.02%	8.35%	0.86%
Trust Income	257.16	230.86	207.32	196.33	178.27
Mortgage Banking Activities	77.59	74.11	55.7	49.37	105.9
Gain (Loss) on Sale of Investments	39.48	19.22	-34.93	-21.33	1.47
Other Non-Interest Income	349.33	396.71	453.35	308.26	365.92
Total Non-Interest Income	849.09	839.64	789.95	643.26	755.78
Non-Interest Income Growth (YoY)	1.13%	6.29%	22.80%	-14.89%	-10.27%
Revenues Before Loan Losses	2,176	2,050	2,062	1,855	1,874
Provision for Loan Losses	2	18	46	30	-100
Revenue	2,174	2,032	2,016	1,825	1,974
Revenue Growth (YoY)	6.99%	0.81%	10.50%	-7.56%	14.21%
Salaries and Employee Benefits	855.27	788.36	750.26	659.35	682.14
Occupancy Expenses	89.96	83.12	80.61	79.31	72.79
Federal Deposit Insurance	26.41	31.11	30.78	17.99	15.88
Amortization of Goodwill & Intangibles	10.62	11.61	13.88	15.69	18.31
Selling, General & Administrative	380.09	354.64	340.97	313.66	282.07
Other Non-Interest Expense	81.2	77.79	69.9	75.97	97.52
Total Non-Interest Expense	1,444	1,360	1,289	1,164	1,178
EBT Excluding Unusual Items	730.89	672.17	727.02	660.16	796.1
Other Unusual Items	9.73	-5.52	-43.77	-	-
Pretax Income	740.62	666.64	683.25	660.16	796.1
Income Tax Expense	162.64	143.09	152.12	139.86	179.78
Earnings From Continuing Operations	577.98	523.55	531.13	520.29	616.33
Minority Interest in Earnings	0.01	0.02	-0.39	-0.02	1.8
Net Income	577.99	523.57	530.75	520.27	618.12
Preferred Dividends & Other Adjustments	4.01	4.99	4.25	3.8	4.3
Net Income to Common	573.98	518.58	526.49	516.47	613.82
Net Income Growth	10.39%	-1.35%	2.01%	-15.83%	42.09%
Basic Shares Outstanding	63	64	66	67	69
Diluted Shares Outstanding	63	64	66	67	69
Shares Change (YoY)	-1.76%	-2.90%	-2.32%	-2.01%	-1.79%
EPS (Basic)	9.17	8.14	8.02	7.68	8.95
EPS (Diluted)	9.17	8.14	8.02	7.68	8.95
EPS Growth	12.67%	1.44%	4.42%	-14.18%	44.57%
Dividend Per Share	2.400	2.240	2.180	2.140	2.100
Dividend Growth	7.14%	2.75%	1.87%	1.91%	1.94%
Effective Tax Rate	21.96%	21.46%	22.26%	21.19%	22.58%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.