Erna cl Ac 40 Management's Assessment of Operations and Financia! Condition 28 Report of Management on recs) Eoin LCS 28 Report of Independent Auditors 29 Consolidated Financial Statements 64 Shareholder and Corporate Information 2001 — BOK enters Houston market with the purchase of CNBT Bancshares, with $442 million in assets and seven branch locations. } 2006 — BOK Financial’s earnings exceed } u nn nny $100 million for the first time. 41999 — Dallas presence is expanded with the acquisition of three metroplex banks, adding $417 million in assets } — msn id and $354 million of deposits. 1998 — Company purchases Bank of America . BE a branches in New Mexico, leading to the creation of Bank of Albuquerque. 1997 — BOK Financial's assets top $5 } — ce billion and trust assets top $10 billion. 1996 — Company announces agreements to purchase two Dallas banks, FNB Park Cities and First Texas Bank, totaling $390 million in assets. Net Income (In Millions) 1994 — BOK expands outside its home state with the - af acquisition of Citizens Holding Co., operating in Muskogee, OK and Fayetteville, AR. es { 1993 — Company acquires Brookside State Bank and Sand Springs State Bank. 1992 — BOK purchases 19 offices of Sooner Federal Savings & Loan Association. ce { 94991 — BOK Financial Corporation, purchases Bank of Oklahoma; George B. Kaiser becomes chairman. 1991 — Company acquires eight Oklahoma City locations of Continental Federal Savings & Loan Association. 13 91 92  "93  "94 95  "96 ’97 98  "99 00 01