BOK FINANCIAL CORPORATION Quarterly Financial Summary — Unaudited Consolidated Daily Average Balances, Average Yields and Rates (Dollars in Thousands Except Per Share Data) 5 comparative purposes. The loan averages included loans on which the accrual of interest has been discounted and are stated net of unearned income. See Note 1 of Notes to the Consolidated Financial Statements for a description of income recognition policy. ’ Tax equivalent at the statutory federal and state rates of 38.9% for the periods presented. The taxable equivalent adjustments ‘shown are for 62 Three Months Ended December 31, 2001 September 30, 2001 Average Revenue/  Yield/ Average Revenue/ ~ Yield/ Balance Expense! Rate Balance Expen se! Rate Assets Taxable securities $3,177,731 $45,777 5.72% Tax-exempt securities 238,634 4,274 7.11 Total securities 3,416,365 50,051 5.81 Trading securities 22,508 245 4.32 Funds sold 14,362 85 2.35 Loans“ 6,203,512 99,643 6.37 Less reserve for loan losses 99,541 - 99,643 6.48 Loans, net of reserve 6,103,971 A Total earning assets 9,557,206 150,024 6.23 Cash and other assets 1,008,111 Total assets $10,565,317 Liabilities and Shareholders’ Equity Transaction deposits $ 2,429,978 9,933 1.62% Savings deposits 158,040 489 1.23 Other time deposits 2,839,770 30,744 4.30 Total interest-bearing deposits 5,427,788 41,166 3.01 Federal funds purchased and repurchase agreements 1,701,655 8,813 2.05 Other borrowed funds 1,088,792 8,460 3.08 Subordinated debenture 186,409 2,764 5.88 Total interest-bearing liabilities 8,404,644 61,203 2.89 Demand deposits 1,150,498 Other liabilities 174,891 Shareholders” equity 835,284 Total liabilities and shareholders equity $10,565,317 Tax-equivalent Net Interest Revenue 88,821 3.34% Tax-equivalent Net Interest Revenue to Earning Assets 3.69 Less tax-equivalent adjustment 1,802 Net Interest Revenue 87,019 Provision for loan losses 10,517 Other operating reventie 55,260 Other operating expense 84,801 Income before taxes 46,961 Federal-and state income tax 16,829 Net Income $ 30,132 Earnings Per Average Common Share Equivalent: $2,869,680 265,608 3,135,288 16,498 14,229 6,065,512 93,884 5,971,628 9,137,643 1,007,684 $10,145,327 $ 2,278,393 155,908 3,030,759 5,465,060 1,440,556 1,019,123 186,631 8,111,370 1,093,442 143,298 797,217 $10,145,327 $44,705 4,554 49,259 223 130 114,165 114,165 163,777 11,917 575 38,287 50,779 12,976 10,711 2,871 77,337 86,440 1,914 84,526 11,023 76,091 103,591 46,003 16,216 $ 29,787 6.18% 6.80 6.23 5.36 3.62 7.41 7:58 7:4 2.08% 1.46 5.01 3.69 3.57 4.17 6.10 3.78 3.33% 3.75 Net:income: Basic $0.58 $0.58 Diluted $0.52 $0.51