Company: BOKF
Filing Date: 2025-02-19
Form Type: 10-K
Source: 0000875357-25-000013
Chunk: 193

Company: BOK FINANCIAL CORP
Filing Date: 2025-02-19
Form: 10-K
Item: Item 7
Chunk 193
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.0 million, or 3%, related to ongoing project costs. 

47

2024 Consumer Banking

Consumer Banking services are provided through four primary distribution channels: traditional branches, the 24-hour ExpressBank call center, internet banking, and mobile banking. Consumer Banking also conducts mortgage banking activities through offices located outside our Consumer Banking markets. 

Net income before taxes attributed to Consumer Banking totaled $112.2 million for 2024, a $5.2 million, or 5%, increase over the prior year.

Table 17 – Consumer Banking 

(Dollars in thousands)

Year Ended December 31,2024vs.20232024vs.2023Year Ended December 31,2023vs.20222023vs.2022 20242023Increase (Decrease)%Increase(Decrease)2022Increase (Decrease)%Increase(Decrease)Net interest income from external sources$25,946 $59,962 $(34,016)(57)%$69,646 $(9,684)(14)%Net interest income from internal sources234,101 207,058 27,043 13 %30,911 176,147 570 %Net interest income260,047 267,020 (6,973)(3)%100,557 166,463 166 %Net loans charged off5,827 5,157 670 13 %5,260 (103)(2)%Net interest income after net loans charged off254,220 261,863 (7,643)(3)%95,297 166,566 175 %Other operating revenue140,005 105,793 34,212 32 %108,873 (3,080)(3)%Personnel expense98,667 89,472 9,195 10 %87,183 2,289 3 %Non-personnel expense127,597 122,642 4,955 4 %122,027 615 1 %Total other operating expense226,264 212,114 14,150 7 %209,210 2,904 1 %Corporate allocations55,737 48,565 7,172 15 %44,965 3,600 8 %Net income before taxes$112,224 $106,977 $5,247 5 %$(50,005)$156,982 314