BOK Financial Corporation (BOKF)

BOK Financial Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	1,782	1,635	982.68	774.82	895.9	1,131
Interest Income on Investments	853.39	707.5	409.42	405.11	373.1	401.06
Total Interest Income	2,636	2,342	1,392	1,180	1,269	1,532
Interest Paid on Deposits	977.85	626.6	121.75	33.48	90	175.54
Interest Paid on Borrowings	463.42	443.69	58.97	28.41	70.56	243.54
Total Interest Expense	1,441	1,070	180.72	61.9	160.56	419.08
Net Interest Income	1,194	1,272	1,211	1,118	1,108	1,113
Net Interest Income Growth (YoY)	-10.07%	5.02%	8.35%	0.87%	-0.40%	13.00%
Trust Income	221.67	207.32	196.33	178.27	167.45	177.03
Mortgage Banking Activities	68.8	55.7	49.37	105.9	182.36	107.54
Gain (Loss) on Sale of Assets	31	31	-	-	-	-
Gain (Loss) on Sale of Investments	-65.86	-34.93	-21.33	1.47	63.16	21.38
Other Non-Interest Income	462.39	422.35	308.26	365.92	332.55	276.8
Total Non-Interest Income	834.48	789.95	643.26	755.78	842.32	695.23
Non-Interest Income Growth (YoY)	6.69%	22.80%	-14.89%	-10.27%	21.16%	12.72%
Revenues Before Loan Losses	2,029	2,062	1,855	1,874	1,951	1,808
Provision for Loan Losses	24	46	30	-100	222.59	44
Revenue	2,005	2,016	1,825	1,974	1,728	1,764
Revenue Growth (YoY)	-2.45%	10.49%	-7.56%	14.21%	-2.04%	10.70%
Salaries and Employee Benefits	783.13	750.26	659.35	682.14	670.25	643.81
Occupancy Expenses	80.77	79.3	75.17	72.79	70.72	67.28
Federal Deposit Insurance	32.74	30.78	17.99	15.88	19.99	20.91
Amortization of Goodwill & Intangibles	12.3	13.88	15.69	18.31	20.44	20.62
Selling, General & Administrative	350.29	342.27	317.81	282.07	278.73	291.78
Other Non-Interest Expense	77.83	69.9	75.97	97.52	95.17	85.86
Total Non-Interest Expense	1,352	1,289	1,164	1,178	1,164	1,133
EBT Excluding Unusual Items	652.67	727.02	660.16	796.1	563.86	630.87
Other Unusual Items	-49.98	-43.77	-	-	-	-
Pretax Income	602.69	683.25	660.16	796.1	563.86	630.87
Income Tax Expense	132.76	152.12	139.86	179.78	128.79	130.18
Earnings From Continuing Operations	469.92	531.13	520.29	616.33	435.07	500.69
Minority Interest in Earnings	0.07	-0.39	-0.02	1.8	-0.04	0.07
Net Income	469.99	530.75	520.27	618.12	435.03	500.76
Preferred Dividends & Other Adjustments	4.35	4.25	3.8	4.3	2.61	3.23
Net Income to Common	465.64	526.49	516.47	613.82	432.42	497.53
Net Income Growth	-23.78%	2.01%	-15.83%	42.09%	-13.13%	12.37%
Basic Shares Outstanding	64	66	67	69	70	71
Diluted Shares Outstanding	64	66	67	69	70	71
Shares Change (YoY)	-3.12%	-2.32%	-2.01%	-1.79%	-1.35%	6.21%
EPS (Basic)	7.27	8.02	7.68	8.95	6.19	7.03
EPS (Diluted)	7.27	8.02	7.68	8.95	6.19	7.03
EPS Growth	-21.41%	4.42%	-14.18%	44.57%	-11.93%	6.03%
Dividend Per Share	2.220	2.180	2.140	2.100	2.060	2.020
Dividend Growth	2.30%	1.87%	1.90%	1.94%	1.98%	3.59%
Effective Tax Rate	22.03%	22.26%	21.19%	22.58%	22.84%	20.64%

Source: S&P Capital IQ. Banks template. Financial Sources.