Loans Table 12 Loans Table 13 Loan Maturity and Interest Rate Sensitivity at December 31, 2001 Residential mortgage loans included $296 million of home equity loans, $253 million of mortgage loans held for business relationship purposes, and $154 million of adjustable rate mortgage loans. Consumer loans included $177 million of indirect automobile loans at December 31, 2001, an increase of $62 million since the previous year-end. Substantially all of these loans were purchased from dealers in Oklahoma. Approximately 26% :of the indirect automobile loan portfolio were considered sub-prime. Commercial real estate loans totaled $1.3 billion or 21% of the loan portfolio at December 31, 2001. This represented a 6% increase from the previous year-end. Construction and land development loans included $265 million for single- family residential lots and premises. The major components of other commercial real estate loans were office buildings — $256 million and retail facilities - $220 million. BOK Financial participates in shared national credits when appropriate to obtain or maintain business relationships with local customers. At December 31, 2001, the outstanding principal balance of these loans totaled $659 million, including $637 million to borrowers with local market relationships. BOK Financial is the agent lender in approximately 25% of these loans. Outstanding Joans to energy customers totaled $988 million or 16% of total loans at December 31, 2001. This represents an increase of 18% over last year. Small- and medium-size customers in the Houston, Texas; Denver, Colorado and West Texas markets were the primary source of this loan growth. Approximately $768 million of the energy loan portfolio was to oil and gas producers. The amount of credit available to these customers generally depends on the value of their proven energy reserves based on current prices. The energy category also included loans to borrowers involved in the transportation and sale of oil and gas and loans to borrowers that manufacture equipment and provide other services to the energy industry. Outstanding loans to the services industry totaled $1.1 billion, an increase of 13%. Services included loans that totaled $162 million to nursing homes, $115 million to the healthcare industry and $69 million to the hotel industry. Loans to the wholesale/retai] industry increased 20% to $600 million. Approximately $40 million of this increase resulted from increased efforts in New Mexico. Agriculture included $150 million of loans to the cattle industry. Other notable loan concentrations by the primary industry of the borrowers are presented in Table 12. Remaining Maturities of Selected Loans Total Within | Year 1-5 Years — After 5 Years Loan maturity: Commercial $3.674,750 $1,371,647 © $1,775,114 $527,989 Commercial real estate 1,341.775 553,363 622,007 166,405 Total $5,016,525 $1,925.010 $2,397,121 $694,394 Interest rate sensitivity for selected loans with: Predetermined interest rates $1,174,615 190.371 ~$ 687,061 $297,183 Floating or adjustable interest rates 3,841,910 1,734,639 1,710,060 397,211 Total $5,016,525 $1,925,010 . $2,397,121 $694,394 (in Thousands) December 31, 2001 2000 1999 1998 1997 Commercial: Energy $ 987,556 $ 837,223 - $ 606.561. $ 468,700 © $ 333,988 Manufacturing 467,260 .. 421.046 344,175 245,268 205,836 Wholesale/retail 600,470 499,017 407,785 279,265 264,029 Agriculture 170,861 185,407 173,653 160,241 155,868 Services 1,084,480 963,17] 807,184 635,585 482,476 Other commercial and industrial 364,123 342,169 325,343 200,214 107,260 Commercial real estate: Construction and land development 327,455 311.700 249,160 174,059 104,322 Multifamily 291,687 271,459 257,187 181,525 103,218 Other real estate loans 722,633 687,335 588.195 404,985 284,220 Residential mortgage: Secured by 1-4 family residential properties 703,080 638,044 531,058 500,690 435,753 Residential mortgages held for sale 166,093 48.901 57.057 100,269 79,779 Consumer 409,680 312.390 296,131 296,298 299,272 Total $6,295,378 $5,517,862 $4.643,489 $3,647,099 $2,856,021 (in Thousands) loans increased $427 million during the year. This increase was primarily in the energy, services and wholesale/retail sectors of the loan portfolio. Additionally,-the consumer loan portfolio increased $97 million since December 31, 2000. The aggregate loan portfolio at December 31, 2001 totaled $6.3 billion, an increase of $778 million since December 31, 2000. Growth in the loan portfolio included $184 million from the CNBT acquisition and $117 million of residential mortgage loans held for sale. Excluding these items, total loans increased 9% during 2001: Commercial