Excluding financial instrument gains/(losses) Reconciliation to Consolidated Financial Statements Au Corporate Consumer Mortgage Trust Regional Other/ (in Thousands) Banking Banking Banking Services Banks Eliminations Total Year erided December 31,2000 Net interest revenue/(expense) from extertial sources $ 238.610 $ (46,916) - $ 16,434 $ 3,429 $ 105,849 $ (48,519) $ 268,887 Net interest revenue/(expense) from internal sources (136.367) 107,172 (15,006) 8,995 (12.709) 47,915 ~ Total net interest-revenue 102,243 60,256 1,428 12,424 93,140 (604) 268,887 Provision for loan losses 3.658 3,669 57 3 3.532 6,285 17,204 Operating revenue 26,013 26,762 39,740 40,004 13,187 51,138 196.844 Securities gains/(losses) _ = §.257 - (356) (2,842) 2,059 Operating expense 53,451 54,906 37,762 35,916 68,224 49,656 299,915 Provision for impairment of mortgage servicing rights = 2,900 - 2.900 Income taxes 27.676 11,064 2,220 6,422 12,510 (12,261) 47,631 Net income $.. 43,471 $ ...17,379 53,486 $10,087 $21,705 $4,012:..$:100,140 Average assets $3,370,044 $2,140,383 $412,219 $355,150 $2,467,530 $(53,822) $8,691,504 Average equity 392,711 60,813 32,053 37,895 282,223 (197,453) 608,242 Performance measurements: Return on assets 1.29% 0.81% 0.85% 2.84% 0.88% - 1.15% Return on equity 11.07 28.58 10.88 26:62 7.69 = 16.46 Efficiency ratio 41.68 63.10 91.73 68.51 64.16 - 64.40 Other Other Net Interest Operating Operating Average Revenue Revenuel Expense Assets Total reportable segments $269,491 $145,706 $253,159 © $8,745,326 Total nonreportable segments 723 49,660 37,460 28,978 Unallocated items: Tax-equivalent adjustment 7,853 - = = Funds management 12.083 914 8,560 199,231 All others (including eliminations), net (21,263) 564 3,636 (282,031) BOK- Financial consolidated $268.887 $196,844 $302,815. $8,691,504 54