Company: BOKF
Filing Date: 2025-02-19
Form Type: 10-K
Source: 0000875357-25-000013
Chunk: 216

Company: BOK FINANCIAL CORP
Filing Date: 2025-02-19
Form: 10-K
Item: Item 7
Chunk 216
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%0.61 %Nonaccruing commercial loans to outstanding commercial loans0.10 %0.74 %Nonaccruing commercial real estate loans to outstanding commercial real estate loans0.20 %0.14 %Nonaccruing loans to individuals to outstanding loans to individuals10.40 %0.51 %Accruing loans 90 days or more past due1$— $170 

1     Excludes residential mortgages guaranteed by U.S. government agencies.

Excluding loans guaranteed by U.S. government agencies, nonperforming assets decreased $96 million compared to December 31, 2023, primarily due to a $68 million decrease in nonaccruing healthcare loans and an $18 million decrease in nonaccruing energy loans. Newly identified nonaccruing loans totaled $80 million, offset by $121 million in payments, $35 million of loans returning to accrual status and $19 million of charge-offs. The Company generally retains nonperforming assets to maximize potential recovery, which may cause future nonperforming assets to decrease more slowly. 

64

A rollforward of nonperforming assets for the years ended December 31, 2024, and December 31, 2023 follows in Table 28.

Table 28 – Rollforward of Nonperforming Assets 

(In thousands)

Year Ended December 31, 2024Nonaccruing Loans CommercialCommercial Real EstateLoan to IndividualsTotal Renegotiated LoansReal Estate and Other Repossessed AssetsTotal Nonperforming AssetsBalance, December 31, 2023$110,131 $7,320 $28,018 $145,469 $— $2,875 $148,344 Additions45,998 18,766 15,312 80,076 — — 80,076 Payments(99,436)(14,726)(6,793)(120,955)— — (120,955)Charge-offs(11,763)(1,455)(5,617)(18,835)— — (18,835)Net gains (losses) and write-downs— — — — — (50)(50)Foreclosure of nonaccruing loans(186)— (276)(462)— 462 — Foreclosure of loans guaranteed by U.S. government agencies— — (1,813)(1,