(Dollars In Thousands Except Per Share Data] Financial Highlights eles Fer the Years Ended December 31 Net income 116,302 Earnings per share: Basic Diluted Book value per share Return on average assets Return on average shareholders’ equity Tangible operating results‘ Tangible net income 124,566 Tangible net income per diluted share 2.15 Tangible return on average assets 1.22% Tangible return on average shareholders’ equity 15.99 As of December 31 Loans, net of reserves 6,193,473 Assets 11,130,388 Deposits , 6,905,744 Shareholders’ equity 828,483 Nonperforming assets? 50,708 Tier 1 capital ratio [ch8ls) Total capital ratio 11.56 Leverage ratio 6.38 Average shareholders’ equity to average assets [A Reserve for loan losses to nonperforming loans® 233.90 Reserve for loan losses to loans* 1.66 Net charge offs to average loans® 39 2000 1999 $ 100,140 $ 89,226 1.95 1.73 1.75 4.58 $ 13.88 $ 11.02 1.15% 1.17% 16.46 16.45 $ 105,487 $ 94,926 1.84 1.65 1.21% 1.25% 17.34 17,50 $ 5,435,207 $ 4,567,255 9,748,334 8,373,997 6,046,005 9,263,184 703,576 557,164 43,599 22,943 8.05% 7.27% 11.23 10.72 6.51 3.92 7.00 7.12 207.95 391.65 1.51 1.66 22 04 ‘Operating results excluding the after-tax effect of gaadwill amortization that will be discontinued after 2001 {see Note 1 to Consolidated Financial Statement). ® Includes nonaccrual loans, renegotiated loans and assets acquired in satisfaction of loans. Excludes loans past due 90 days or more and still accruing. 3 Excludes residential mortgage loans held for sale. BOK Financial Annual Report 20017 | 02