‘Excluding financial instruments gains/(losses) All Corporate Consumer Mortgage Trust Regional Other/ (in Thousands) Banking Banking Banking Services Banks Eliminations Total Year ended December 31,1999 Net interest revenue/(expense) - from external sources $ 180,353 $ (27,891) $11,626 $3,622 $72,050 $ (3,636) $:.:236,124 Net interest revenue/(expense) from internal sources (92,844) 80.973 (8.296) 7.243 (10,458) 23,382 = Total net interest revenue 87,509 53,082 3,330 10,865 61,592 19,746 236,124 Provision for loan losses a,11l) 2,463 82 70 36 8,825 10,365 Operating revenue 27,573 26,826 39,532 36,187 11,462 47,291 188,871 Securities losses - = = - (53) (366) (419) Operating expense 47,025 53,545 39,422 33,481 60,662 46,381 280,516 Income taxes 26,906 9,298 1,307 5,252 4,447 (2,741) 44,469 Net income $ 42,262 $ 14,602 $ 2,051 $8,249 $ 7,856 $14,206 $89,226 Average assets $2,933,619 $2,100,368 $355,887 $332,297 $1,860,667 $ 30,212 $7,613,050 Average equity 330,091 58,824 32,006 33,473 214,226 (126,228) 542,392 Performance measurements: Return on assets 1.44% 0.70% 0.58% 2.48% 0.42% = 1.17% Return on equity 12.80 24.82 6.41 24.64 3.67 = 16.45 Efficiency ratio 40.86 67.01 91.97 71.16 83.04 ~ 66.00 Other Other Net Interest Operating Operating Average Revenue Revenue! Expense Assets Total reportable segments $216,378 $141,580 $234,135. $7,582,838 Total nonreportable segments 1,210 44,537 35,746 59,505 Unallocated items: Tax-equivalent adjustment 8,380 = = = Funds management 29,141 1,057 8,399 148,259 All others (including eliminations), net (18,985) 1,697 2,236 (177,552) BOK Financial consolidated $236,124 $188,871 $280,516 $7,613,050 Reconciliation to Consolidated Financial Statements