Company: BOKF
Filing Date: 2025-04-30
Form Type: 10-Q
Source: 0000875357-25-000027
Chunk: 30

Company: BOK FINANCIAL CORP
Filing Date: 2025-04-30
Form: 10-Q
Item: Part I, Item 2
Chunk 30
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 93,017      122,375  
  Total nonperforming assets excluding those guaranteed by U. S. government agencies                                                                      $      78,503                  $      80,420                  $      86,400      113,158  
  Allowance for loan losses to nonaccruing loans 1                                                                                                   363.06                         701.46                         342.38                           
  Combined allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments to nonaccruing loans 1             430.95                         830.81                         392.74                           
  Nonperforming assets to outstanding loans and repossessed assets                                                                                     0.36                           0.20                           0.38                           
  Nonperforming assets to outstanding loans and repossessed assets 1                                                                                   0.33                           0.18                           0.35                           
  Nonaccruing loans to outstanding loans                                                                                                               0.35                           0.19                           0.37                           
  Nonaccruing commercial loans to outstanding commercial loans                                                                                         0.30                           0.10                           0.37                           
  Nonaccruing commercial real estate loans to outstanding commercial real estate loans                                                                 0.25                           0.20                           0.25                           
  Nonaccruing loans to individuals to outstanding loans to individuals 1                                                                               0.51                           0.40                           0.34                           

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

Nonaccruing loans increased $37 million over December 31, 2024. New nonaccruing loans identified in the first quarter totaled $39 million, partially offset by $2.0 million in payments received and $2.3 million in charge-offs. Nonaccruing healthcare loans increased $16 million and nonaccruing services loans increased $13 million. The Company generally retains nonperforming assets to maximize potential recovery, which may cause future nonperforming assets to decrease more slowly.

- 28 -

A rollforward of nonperforming assets for the three months ended March 31, 2025, follows in Table 18.

Table 18 - Rollforward of Nonperforming Assets

(In thousands)

                                                                    Three Months Ended                                                                                                               
                                                                    March 31, 2025                                                                                                                   
                                                                    Nonaccruing Loans                                                                       Total Nonperforming Assets               
                                                                    Commercial                           Loan to Individuals                                                                         
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