10-Q 1 bokf-20240630.htm 10-Q bokf-20240630
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q
(Mark One) 
☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 2024
OR
☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the transition period from _____________ to ______________                 

Commission File No. 001-37811

BOK FINANCIAL CORP
(Exact name of registrant as specified in its charter) 
Oklahoma 73-1373454
(State or other jurisdiction
of Incorporation or Organization)		 (IRS Employer
Identification No.)
  
Bank of Oklahoma Tower  
Boston Avenue at Second Street  
Tulsa,Oklahoma 74192
(Address of Principal Executive Offices) (Zip Code)
 
(918) 588-6000
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of each exchange on which registered
Common Stock, par value $0.00006 per shareBOKFNasdaq Stock Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.       Yes  ý  No  ¨

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes  ý  No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer  ý       Accelerated filer       ¨            
Non-accelerated filer   ¨    Smaller reporting company ☐
    Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).   Yes  ☐  No  ý

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 64,127,824 shares of common stock ($.00006 par value) as of June 30, 2024.

BOK Financial Corporation
Form 10-Q
Quarter Ended June 30, 2024

Index
Glossary of Defined Terms
Part I.  Financial Information
Management's Discussion and Analysis (Item 2)        
Market Risk (Item 3)                                                                                              
Controls and Procedures (Item 4)
Consolidated Financial Statements – Unaudited (Item 1)
Six-Month Financial Summary – Unaudited (Item 2)
Quarterly Financial Summary – Unaudited (Item 2)
Quarterly Earnings Trend – Unaudited
  
Part II.  Other Information
Item 1.  Legal Proceedings
Item 1A. Risk Factors
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds
Item 5. Other Information
Item 6.  Exhibits
Signatures


GLOSSARY OF DEFINED TERMS

The following items may be used throughout this report, including the consolidated financial statements and related notes.

TermDefinition
AFS
Available For Sale
AOCIAccumulated Other Comprehensive Income
ASU
Accounting Standards Update
ATM
Automated Teller Machine
BoardBoard of Directors of BOK Financial Corporation
BOK FinancialBOK Financial Corporation
BOKFBOK Financial Corporation
BOKF Insurance
BOK Financial Insurance, Inc.
BOKFI
BOK Financial Insurance, Inc.
CECL
Current Expected Credit Losses
CompanyBOK Financial Corporation
EFTElectronic Funds Transfer
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
GAAP
Generally Accepted Accounting Principles in the United States of America
GDP
Gross Domestic Product
GNMAGovernment National Mortgage Association
MSR
Mortgage Servicing Rights
Nasdaq
National Association of Securities Dealers Automated Quotations
NYMEXNew York Mercantile Exchange
PPNR
Pre-Provision Net Revenue
RMHFS
Residential Mortgages Held for Sale
SECSecurities and Exchange Commission
SOFRSecured Overnight Financing Rate
SVaRStressed Value at Risk
TransFundBOKF's electronic funds transfer network
USDC
United States District Court
VAU.S. Department of Veterans Affairs
VaRValue at Risk
WTIWest Texas Intermediate
- 1 -

Management's Discussion and Analysis of Financial Condition and Results of Operations
Performance Summary

BOK Financial reported net income of $163.7 million or $2.54 per diluted share for the second quarter of 2024 compared to $83.7 million or $1.29 per diluted share for the first quarter of 2024. Excluding the gain on conversion of Visa shares, the additional FDIC special assessment expense, and the contribution of Visa shares to the BOKF Foundation, net income would have been $131.1 million or $2.02 per share for the second quarter of 2024, both of which are non-GAAP measures1. PPNR1, also a non-GAAP measure, increased $104.1 million to $219.0 million compared to the first quarter of 2024.

Highlights of the second quarter of 2024 compared to the first quarter of 2024 included:

•Net interest income totaled $296.0 million, an increase of $2.4 million over the prior quarter. Net interest margin was 2.56% for the second quarter of 2024 compared to 2.61% for the prior quarter. The pace of demand deposit migration and deposit repricing has slowed compared to the previous quarter and was offset by improving yields on the available for sale securities portfolio. For the second quarter of 2024, our core net interest margin excluding trading activities1, a non-GAAP measure, was 2.94% compared to 2.97% in the prior quarter.
•Fees and commissions revenue totaled $200.0 million, consistent with the prior quarter. Higher fiduciary and asset management revenue and transaction card revenue was offset by lower brokerage and trading revenue.
•Other operating expense totaled $336.7 million, a decrease of $3.7 million. Personnel expense decreased $11.6 million due to lower incentive compensation, including deferred compensation plans, regular compensation, and employee benefits. Non-personnel expense increased $7.9 million, largely due to our contribution of converted Visa shares valued at $10.0 million to the BOKF Foundation.
•Other gains and losses, net increased $53.1 million to $57.4 million. The second quarter of 2024 included a $53.8 million pre-tax gain on the conversion of our Visa B shares under the recently announced exchange offer by Visa, Inc. The gain offsets losses of $45.2 million on the repositioning of the available for sale securities portfolio realized in the first quarter of 2024.
•Period end outstanding loan balances totaled $24.6 billion at June 30, 2024, growing $381 million over March 31, 2024, largely due to growth in commercial loans, partially offset by a reduction in commercial real estate loans. Average loan balances increased $437 million to $24.4 billion.
•The provision for credit losses of $8.0 million in the second quarter of 2024 reflects continued loan growth and a stable economic forecast. Net charge-offs were $6.9 million or 0.11% of average loans on an annualized basis in the second quarter. The resulting combined allowance for credit losses totaled $330 million or 1.34% of outstanding loans at June 30, 2024. The combined allowance for credit losses was $329 million or 1.36% of outstanding loans at March 31, 2024.
•Nonperforming assets not guaranteed by U.S. government agencies were $86 million, a $27 million decrease compared to March 31, 2024. Potential problem loans increased by $6.0 million while other loans especially mentioned increased by $123 million compared to March 31, 2024.
•Period end deposits were $36.2 billion at June 30, 2024, an $858 million increase over March 31, 2024. Average deposits increased $627 million, including an $872 million increase in average interest-bearing deposits, partially offset by a $244 million reduction in demand deposit balances. The loan to deposit ratio was 68% at June 30, 2024, unchanged from the prior quarter.
•Assets under management or administration totaled $107.5 billion at June 30, 2024, increasing $1.9 billion compared to March 31, 2024.

1    See Explanation and Reconciliation of Non-GAAP Measures in "Non-GAAP Measures" section following.
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•The Company's tangible common equity ratio1, a non-GAAP measure, was 8.38% at June 30, 2024 and 8.21% at March 31, 2024. The tangible common equity ratio is primarily based on total shareholders' equity, which includes unrealized gains and losses on available for sale securities. Adjusted for all securities portfolio losses, including the tax adjusted losses in the investment portfolio, the tangible common equity ratio1 would be 8.06% at June 30, 2024 and 7.92% at March 31, 2024.
•The common equity Tier 1 capital ratio at June 30, 2024 was 12.10%. Other regulatory capital ratios include the Tier 1 capital ratio at 12.11%, total capital ratio at 13.25%, and leverage ratio at 9.39%. At March 31, 2024, the common equity Tier 1 capital ratio was 11.99%, the Tier 1 capital ratio was 12.00%, total capital ratio was 13.15%, and leverage ratio was 9.42%.
•The Company repurchased 412,176 shares of common stock at an average price of $90.38 per share in the second quarter of 2024 and 616,630 shares at an average price of $83.89 in the first quarter of 2024. We view share buybacks opportunistically, but within the context of maintaining our strong capital position.
•The Company paid a regular cash dividend of $35.3 million or $0.55 per common share during the second quarter of 2024. On July 30, 2024, the board of directors approved a quarterly cash dividend of $0.55 per common share payable on or about August 30, 2024 to shareholders of record as of August 15, 2024.
Highlights of the six months ended June 30, 2024 compared to the six months ended June 30, 2023 included:
•Net interest income totaled $589.6 million for the six months ended June 30, 2024 and $674.6 million for the six months ended June 30, 2023. Net interest income decreased $71.6 million from changes in interest rates and decreased $13.6 million from changes in earning assets. Net interest margin was 2.59% compared to 3.22%. In response to rising inflation, the Federal Reserve increased the federal funds rate 525 basis points since the beginning of 2022. The resulting impact on market interest rates increased net interest margin at first as our earning assets, led by our significant percentage of variable-rate commercial loans, repriced at a higher rate and faster pace than our interest-bearing liabilities. Throughout 2023 and into the second quarter of 2024, we have experienced margin compression reflecting deposit repricing activity and demand deposit migration into interest-bearing accounts. Loan yields increased 55 basis points while funding costs increased 125 basis points. Average earning assets increased $3.7 billion to $45.4 billion driven largely by higher average loan balances and trading securities balances. Total interest-bearing deposits increased $5.6 billion, offset by a decrease of $3.2 billion in demand deposit balances. Other borrowed funds increased $930 million.
•Fees and commissions revenue totaled $400.6 million for the six months ended June 30, 2024, a $14.1 million increase over the six months ended June 30, 2023. Fiduciary and asset management revenue increased $9.2 million led by growth in trust fees and Cavanal Hill fund fees. Mortgage banking revenue increased $8.1 million, primarily due to higher production volume. Deposit service charges increased $5.2 million due to growth in commercial service charges. Brokerage and trading revenue decreased $5.2 million, largely due to decreased customer hedging revenue, primarily attributed to our energy and interest rate derivative customers. The prior period included $6.2 million of insurance brokerage revenue recognized prior to the sale of BOKFI. This decrease was fully offset by an increase of $6.9 million in investment banking revenue driven by growth in underwriting fees and financial advisory fees. Other revenue decreased $4.3 million, primarily due to a reduction in fees earned on derivative counterparty margin.
•Total operating expense was $677.1 million for the six months ended June 30, 2024, an increase of $52.6 million compared to the six months ended June 30, 2023. Personnel expense increased $20.9 million. Regular compensation increased $11.7 million, largely related to annual merit increases, salary adjustments, and business expansion in 2023. Employee benefits expense increased $5.8 million related to higher employee healthcare costs and retirement plan costs. Incentive compensation expense was up $3.4 million, primarily due to higher loan and trading volumes and deferred compensation expense, which is largely offset by changes in fair value of deferred compensation investments. Non-personnel expense increased $31.6 million to $283.3 million. Charitable contributions to the BOKF Foundation increased $12.5 million, largely due to the donation of Visa shares valued at $10.0 million. FDIC insurance costs grew due to recognition of $7.6 million in additional special assessment expense during 2024. Other expense also increased $6.7 million due to higher operational losses.
•The provision for expected credit losses was $16.0 million for the six months ended June 30, 2024, reflecting growth in loan balances and a stable economic forecast. A $33.0 million provision for expected credit losses was recorded for the six months ended June 30, 2023.
1    See Explanation and Reconciliation of Non-GAAP Measures in "Non-GAAP Measures" section following.
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Results of Operations
Net Interest Income and Net Interest Margin

Net interest income is the interest earned on debt securities, loans and other interest-earning assets less interest paid for interest-bearing deposits and other borrowings. The net interest margin is calculated by dividing tax-equivalent net interest income by average interest-earning assets. Net interest spread is the difference between the average rate earned on interest-earning assets and the average rate paid on interest-bearing liabilities. Net interest margin is typically greater than net interest spread due to interest revenue earned on assets funded by non-interest bearing liabilities such as demand deposits and equity.

Tax-equivalent net interest income totaled $298.2 million for the second quarter of 2024, compared to $295.7 million for the prior quarter. Net interest income increased $2.5 million from changes in interest rates and increased $49 thousand from changes in earning assets. Table 1 shows the effect on net interest income from changes in average balances and interest rates for various types of earning assets and interest-bearing liabilities.

Average earning assets increased $1.2 billion compared to the first quarter of 2024. Average loan balances increased $437 million, largely due to growth in commercial loans, partially offset by a reduction in commercial real estate loans. The average balance of available for sale securities, which consists largely of residential and commercial mortgage-backed securities guaranteed by U.S. government agencies, increased $218 million while the average balance of trading securities increased $552 million.

Total average deposits increased $627 million over the first quarter of 2024, including an $872 million increase in interest-bearing deposits, partially offset by a $244 million decrease in demand deposits. Funds purchased and repurchase agreements grew $580 million while other borrowings increased $307 million.

Net interest margin was 2.56% compared to 2.61% in the first quarter of 2024. The pace of demand deposit migration and deposit repricing has slowed compared to the previous quarter and was offset by improving yields on the available for sale securities portfolio. For the second quarter of 2024, our core net interest margin excluding trading activities1, a non-GAAP measure, was 2.94% compared to 2.97% in the prior quarter. The tax-equivalent yield on earning assets was 5.80%, an increase of 7 basis points. The available for sale securities portfolio yield increased 23 basis points to 3.71%. Loan yields grew 1 basis point to 7.41%. The yield on trading securities decreased 6 basis points to 5.06% and the yield on interest-bearing cash and cash equivalents increased 90 basis points to 5.86%.

Funding costs were 4.15%, a 7 basis point increase over the prior quarter. The cost of interest-bearing deposits increased 7 basis points to 3.76%. The cost of funds purchased and repurchase agreements increased 23 basis points to 4.28% while the cost of other borrowings increased 2 basis points to 5.58%. The benefit to net interest margin from assets funded by non-interest liabilities was 91 basis points, a decrease of 5 basis points.

Our overall objective is to manage the Company's balance sheet for changes in interest rates as is further described in the Market Risk section of this report. Approximately 81% of our commercial and commercial real estate loan portfolios are either variable rate or fixed rate that will reprice within one year. These loans are funded primarily by deposit accounts that are either non-interest bearing, or that reprice more slowly than the loans. The result is a balance sheet that is asset sensitive, which means that assets generally reprice more quickly than the liabilities. One of the strategies that we use to manage toward a relative rate-neutral position is to purchase fixed-rate residential mortgage-backed securities issued primarily by U.S. government agencies and fund them with market rate-sensitive liabilities. The liability-sensitive nature of this strategy provides an offset to the asset-sensitive characteristics of our loan portfolio. We also may use derivative instruments to manage our interest rate risk. 

The effectiveness of these strategies is reflected in the overall change in net interest income due to changes in interest rates as shown in Table 1 and in the interest rate sensitivity projections as shown in the Market Risk section of this report.







1    See Explanation and Reconciliation of Non-GAAP Measures in "Non-GAAP Measures" section following.
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Table 1 – Volume/Rate Analysis
(In thousands)
Three Months Ended
June 30, 2024 / Mar. 31, 2024
Six Months Ended
June 30, 2024 / 2023
  
Change Due To1
 
Change Due To1
ChangeVolumeYield/RateChangeVolumeYield/Rate
Tax-equivalent interest revenue:      
Interest-bearing cash and cash equivalents
$771 $(459)$1,230 $(1,277)$(2,841)$1,564 
Trading securities6,556 7,358 (802)61,201 47,624 13,577 
Investment securities
(265)(207)(58)(2,233)(2,041)(192)
Available for sale securities
10,323 3,014 7,309 53,548 11,811 41,737 
Fair value option securities(1)(6)5 (6,620)(5,504)(1,116)
Restricted equity securities
334 639 (305)5,813 4,517 1,296 
Residential mortgage loans held for sale
425 380 45 200 (2)202 
Loans8,558 7,998 560 119,112 53,795 65,317 
Total tax-equivalent interest revenue26,701 18,717 7,984 229,744 107,359 122,385 
Interest expense:
Transaction deposits11,341 6,851 4,490 211,695 61,896 149,799 
Savings deposits(8)(22)14 1,662 (195)1,857 
Time deposits1,296 1,562 (266)51,580 28,463 23,117 
Funds purchased and repurchase agreements6,880 6,002 878 (24,147)(24,256)109 
Other borrowings4,653 4,276 377 73,829 55,064 18,765 
Subordinated debentures(6)— (6)330 5 325 
Total interest expense24,156 18,669 5,487 314,949 120,977 193,972 
Tax-equivalent net interest income
2,545 48 2,497 (85,205)(13,618)(71,587)
Change in tax-equivalent adjustment96 (189)
Net interest income
$2,449 $(85,016)
1 Changes attributable to both volume and yield/rate are allocated to both volume and yield/rate on an equal basis.

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Other Operating Revenue

Other operating revenue was $259.7 million for the second quarter of 2024, an increase of $98.0 million over the first quarter of 2024. The second quarter of 2024 included $53.8 million pre-tax gain on the conversion of our Visa B shares under the recently announced exchange offer by Visa, Inc. The prior quarter included $45.2 million of losses from repositioning the available for sale securities portfolio.

Table 2 – Other Operating Revenue 
(Dollars in thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Six Months EndedIncrease (Decrease)% Increase (Decrease)
 June 30, 2024Mar. 31, 2024June 30, 2024June 30, 2023
Brokerage and trading revenue
$53,017 $59,179 $(6,162)(10)%$112,196 $117,402 $(5,206)(4)%
Transaction card revenue27,246 25,493 1,753 7 %52,739 51,624 1,115 2 %
Fiduciary and asset management revenue
57,576 55,305 2,271 4 %112,881 103,654 9,227 9 %
Deposit service charges and fees
29,572 28,685 887 3 %58,257 53,068 5,189 10 %
Mortgage banking revenue18,628 18,967 (339)(2)%37,595 29,508 8,087 27 %
Other revenue13,988 12,935 1,053 8 %26,923 31,220 (4,297)(14)%
Total fees and commissions revenue
200,027 200,564 (537)— %400,591 386,476 14,115 4 %
Other gains, net57,375 4,269 53,106 N/A61,644 14,869 46,775 N/A
Loss on derivatives, net(1,091)(8,633)7,542 N/A(9,724)(9,503)(221)N/A
Loss on fair value option securities, net(94)(305)211 N/A(399)(5,120)4,721 N/A
Change in fair value of mortgage servicing rights
3,453 10,977 (7,524)N/A14,430 3,202 11,228 N/A
Gain (loss) on available for sale securities, net34 (45,171)45,205 N/A(45,137)(3,010)(42,127)N/A
Total other operating revenue
$259,704 $161,701 $98,003 61 %$421,405 $386,914 $34,491 9 %
Certain percentage increases (decreases) in non-fees and commissions revenue are not meaningful for comparison purposes based on the nature of the item.

Fees and Commissions Revenue

Diversified sources of fees and commissions revenue are a significant part of our business strategy and represented 40% of combined net interest income before provision for credit losses and fees and commissions revenue for the second quarter of 2024. We believe that a variety of fee revenue sources provides diversification to changes resulting from market or economic conditions such as interest rates, values in the equity markets, commodity prices and consumer spending, all of which can be volatile. Many of the economic factors, such as decreasing interest rates, that we expect will result in a decline in net interest income or fiduciary and asset management revenue may also increase mortgage banking production volumes and related trading. The velocity of changes in market conditions and interest rates may result in timing differences between when offsetting impacts and benefits are realized. Generally, for operating revenues not as directly related to movement in interest rates, we expect growth to come through offering new products and services and by further development of our presence in other markets. However, current and future economic conditions, regulatory constraints, increased competition and saturation in our existing markets could affect the rate of future increases.

Brokerage and Trading Revenue

Brokerage and trading revenue, which includes revenues from trading, customer hedging, retail brokerage and investment banking, decreased $6.2 million compared to the first quarter of 2024.


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Trading revenue includes net realized and unrealized gains and losses primarily related to residential mortgage-backed securities guaranteed by U.S. government agencies and related derivative instruments that enable our mortgage banking customers to manage their production risk. Trading revenue also includes net realized and unrealized gains and losses on municipal securities and other financial instruments that we sell to institutional customers, along with changes in the fair value of financial instruments we hold as economic hedges against market risk of our trading securities. Trading revenue was $27.7 million, a $9.8 million decrease compared to the prior quarter, driven by margin compression due to market conditions in the second quarter of 2024.

Customer hedging revenue is based primarily on realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs. As more fully discussed under Customer Risk Management Programs in Note 3 of the Consolidated Financial Statements, we offer commodity, interest rate, foreign exchange and equity derivatives to our customers. Customer hedging revenue totaled $6.8 million for the second quarter of 2024 and was relatively consistent with the prior quarter. Customer hedging revenue includes credit valuation adjustments of the fair value of derivatives to reflect the risk of counterparty default.

Investment banking, which includes fees earned upon completion of underwriting, financial advisory services and loan syndication fees, totaled $13.7 million, an increase of $3.0 million over the first quarter of 2024, largely related to the timing and volume of completed underwriting and loan syndication transactions.
Transaction Card Revenue

Transaction card revenue includes revenues from processing transactions on behalf of members of our TransFund electronic fund transfer network, merchant services fees paid by customers for account management and electronic processing of card transactions and interchange fees from our corporate card program. Transaction card revenue totaled $27.2 million for the second quarter of 2024, a $1.8 million increase, primarily due to growth in the volume of transactions processed during the quarter.
Fiduciary and Asset Management Revenue

Fiduciary and asset management revenue is earned through managing or holding of assets for customers and executing transactions or providing related services. Fiduciary and asset management revenue is largely based on the fair value of assets. Rates applied to asset values vary based on the nature of the relationship. Fiduciary relationships and managed asset relationships generally have higher fee rates than non-fiduciary and/or managed relationships. Fiduciary and asset management revenue was $57.6 million for the second quarter of 2024, a $2.3 million increase over the first quarter of 2024, led by higher seasonal tax preparation fee income.


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A distribution of assets under management or administration and related fiduciary and asset management revenue follows:

Table 3 – Assets Under Management or Administration
(Dollars in thousands)
Three Months Ended
June 30, 2024March 31, 2024
 
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Managed fiduciary assets:
Personal$11,479,779 $30,098 1.05 %$11,288,591 $27,938 0.99 %
Institutional20,019,267 8,552 0.17 %19,680,708 11,770 0.24 %
Total managed fiduciary assets
31,499,046 38,650 0.49 %30,969,299 39,708 0.51 %
Non-managed assets:
Fiduciary30,418,648 15,808 0.21 %29,395,993 12,951 0.18 %
Non-fiduciary20,031,316 3,118 0.06 %19,384,953 2,646 0.05 %
Safekeeping and brokerage assets under administration
25,528,020 — — %25,780,658 — — %
Total non-managed assets
75,977,984 18,926 0.10 %74,561,604 15,597 0.08 %
Total assets under management or administration
$107,477,030 $57,576 0.21 %$105,530,903 $55,305 0.21 %
Six Months Ended
June 30, 2024June 30, 2023
 
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Managed fiduciary assets:
Personal$11,479,779 $58,036 1.01 %$10,687,370 $51,580 0.97 %
Institutional20,019,267 20,322 0.20 %18,705,828 18,326 0.20 %
Total managed fiduciary assets
31,499,046 78,358 0.50 %29,393,198 69,906 0.48 %
Non-managed assets:
Fiduciary30,418,648 28,759 0.19 %28,480,670 28,085 0.20 %
Non-fiduciary20,031,316 5,764 0.06 %20,910,245 5,663 0.05 %
Safekeeping and brokerage assets under administration
25,528,020 — — %24,834,827 — — %
Total non-managed assets
75,977,984 34,523 0.09 %74,225,742 33,748 0.09 %
Total assets under management or administration
$107,477,030 $112,881 0.21 %$103,618,940 $103,654 0.20 %
1    Assets under management or administration balance excludes certain assets under custody held by a sub-custodian where minimal revenue is recognized. $21 billion, $20 billion, and $19 billion of such assets are excluded from assets under management or administration at June 30, 2024, March 31, 2024, and June 30, 2023, respectively.
2    Fiduciary and asset management revenue includes asset-based and other fees associated with the assets.
3    Annualized revenue divided by period end balance.

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A summary of changes in assets under management or administration for the three and six months ended June 30, 2024 and 2023 follows:

Table 4 – Changes in Assets Under Management or Administration
(In thousands)
Three Months Ended June 30,Six Months Ended June 30,
2024202320242023
Beginning balance$105,530,903 $102,310,119 $104,736,999 $99,735,040 
Net inflows (outflows)532,450 (288,434)(1,431,258)(805,352)
Net change in fair value1,413,677 1,597,255 4,171,289 4,689,252 
Ending balance$107,477,030 $103,618,940 $107,477,030 $103,618,940 

Assets under management as of June 30, 2024 consist of 42% fixed income, 35% equities, 15% cash, and 8% alternative investments.
Deposit Service Charges

Deposit service charges and fees increased $887 thousand or 3% over the first quarter of 2024, primarily due to growth in commercial service charges and check card fees.

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Mortgage Banking Revenue
Mortgage banking revenue was relatively consistent with the first quarter of 2024. Mortgage production volume increased $63 million to $235 million. Production revenue as a percentage of production volume, which includes unrealized gains and losses on our mortgage commitment pipeline and related hedges, decreased 104 basis points to 1.01%.

Table 5 – Mortgage Banking Revenue 
(Dollars in thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Six Months EndedIncrease (Decrease)% Increase (Decrease)
 June 30, 2024Mar. 31, 2024June 30, 2024June 30, 2023
Mortgage production revenue$2,369 $3,525 $(1,156)(33)%$5,894 $(917)$6,811 743 %
Mortgage loans funded for sale$240,038 $139,176 $379,214 $353,409 
Add: Current period end outstanding commitments62,960 67,951 62,960 55,031 
Less: Prior period end outstanding commitments67,951 34,783 34,783 45,492 
Total mortgage production volume$235,047 $172,344 $62,703 36 %$407,391 $362,948 $44,443 12 %