Reconciliation to Consolidated Financial Statements ‘Excluding financial instrument gains/(losses) All Corporate Consumer Mortgage Trust Regional Other/ Un Thousands) Banking Banking Banking Services Banks Eliminations Total Year ended December 31,2001 Net interest revenue/(expense) from external sources $199,771 $ (34,049) $32,545 $209 $ 138,846 © $ (10,548) $ 326,774 Net interest revenue/(expense) from internal sources (86,615) 94,393 (20,867) 13,589 (11,690) 11,190 = Total net mterest' revenue 113,156 60,344 11,678 13,798 127,156 642 326,774 Provision for loan losses 10,493 4,171 47 128 5,970 16,801 37,610 Operating revenue 29,506 29,995 52,814 40,855 19,664 59,864 232,698 Financial instruments gains/(losses) (250) - 12,757 - 484 13,587 26,578 Operating expense 57,322 59,099 47,750 38,534 91,253 59,253 353,211 Provision for impairment.of mortgage servicing rights 15,551 15,551 Income taxes 29,017 10,530 5,408 6,220 18,430 (5,993) 63,612 Transition adjustment of = 236 236 adoption of FAS 133 = ~ = - Net income $....45,580 $..,16,539 _.$_ 8,493 $9,771 $31,651 $4,268 3 116,302 Average assets $3,854,310 $2,192,698 $651,103 $475,715 $3,352,155: $(308,947) $10,217,034 Average equity 442,870 69,102 50,891 41,290 409,622 (234,931) 778,844 Performance measurements: Return on assets 1.18% 0.75% 1.30% 2.05% 0.94% : - 1.14% Return on equity 10.29 23.93 16.69 23.66 7.73 - 14.93 Efficiency ratio 40.18 65.42 74.04 70.51 62.15 = 63.13 Other Other Net Interest Operating Operating Average Revenue Revenue! Expense Assets Total reportable segments $326,132 $172,834 $309,509 $10,525,981 Total nonreportable segments 586 59,829 45,355 30,630 Unallocated items: Tax-equivalent adjustment 8,045 - - = Funds management 15,177 (408) 7,946 323,113 All others (including eliminations), net (23,166 443 5,952 (662,690) BOK Financial consolidated $326,774 $232,698 $368,762. $10,217,034