10-Q 1 bokf-20220331.htm 10-Q bokf-20220331
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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 March 31, 2022
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)

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: 68,104,043 shares of common stock ($.00006 par value) as of March 31, 2022.

BOK Financial Corporation
Form 10-Q
Quarter Ended March 31, 2022

Index
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)
Quarterly Financial Summary – Unaudited (Item 2)
Quarterly Earnings Trend – Unaudited
  
Part II.  Other Information
Item 1.  Legal Proceedings
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds
Item 6.  Exhibits
Signatures



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

BOK Financial Corporation (“the Company”) reported net income of $62.5 million or $0.91 per diluted share for the first quarter of 2022. Net income was $117.3 million or $1.71 per diluted share for the fourth quarter of 2021 and $146.1 million or $2.10 per diluted share for the first quarter of 2021. Interest rate volatility driven by expectations of future Federal Reserve actions to address rising inflation as well as the the deepening conflict in Ukraine combined to significantly decrease our trading revenue, mortgage loan production volumes, and our net mortgage servicing rights valuation.

Pre-provision net revenue ("PPNR"), a non-GAAP measure, was $78.7 million for the first quarter of 2022, $135.2 million for the fourth quarter of 2021, and $163.4 million for the first quarter of 2021.

Highlights of the first quarter of 2022 included:

Net interest revenue totaled $268.4 million, a decrease of $8.7 million compared to the fourth quarter of 2021 and $12.0 million compared to the first quarter of 2021. Average earning assets were $43.5 billion for the first quarter of 2022, $44.2 billion for the fourth quarter of 2021, and $44.2 billion for the first quarter of 2021. Net interest margin was 2.44 percent for the first quarter of 2022, 2.52 percent for the fourth quarter of 2021, and 2.62 percent for the first quarter of 2021.
Fees and commissions revenue totaled $97.6 million, a decrease of $48.7 million compared to the fourth quarter of 2021 and $64.5 million compared to the first quarter of 2021. Brokerage and trading revenue decreased $41.9 million from the prior quarter and $47.9 million from the first quarter of 2021. Mortgage banking revenue also decreased $4.6 million from the previous quarter and $20.5 million compared to first quarter of 2021.
The net cost of the changes in fair value of mortgage servicing rights and related economic hedges was $8.4 million for the first quarter of 2022 compared to a net benefit of $4.7 million for the fourth quarter of 2021 and a net benefit of $4.7 million for the first quarter of 2021.
Other operating expense totaled $277.6 million, a decrease of $21.9 million compared to the previous quarter and a decrease of $18.2 million compared to the first quarter of 2021. Compared to the fourth quarter of 2021, personnel expense decreased $15.2 million, largely due to a decrease in incentive compensation expense. Non-personnel expense decreased $6.6 million as the fourth quarter of 2021 included a $5.0 million charitable donation to the BOKF Foundation that did not recur in the first quarter of 2022. Compared to the first quarter of 2021, personnel expense decreased $13.8 million due to lower incentive compensation costs. Non-personnel expenses decreased $4.4 million as lower mortgage banking costs, other expense and donations to the BOKF Foundation were partially offset by increased business promotion expenses, occupancy and equipment expenses, and data processing and communications expenses.
Period-end outstanding loan balances totaled $20.7 billion at March 31, 2022, growing $469 million compared to December 31, 2021. Excluding a decrease in loans originated through the Small Business Administration's Paycheck Protection Program ("PPP"), outstanding loan balances increased $608 million. Commercial loans increased $377 million and commercial real estate loans increased $270 million. Average loan balances increased $221 million compared to the prior quarter to $20.5 billion.
No provision for expected credit losses was necessary for the first quarter of 2022. A $17.0 million negative provision for expected credit losses was recorded in the prior quarter. The impact of continued strength in commodity prices and improved credit quality metrics was offset by higher required provision due to loan growth and changes in our economic outlook. The combined allowance for credit losses totaled $283 million or 1.38 percent of outstanding loans, excluding PPP loans, at March 31, 2022. The combined allowance for credit losses was $289 million or 1.45 percent of outstanding loans, excluding PPP loans, at December 31, 2021.
Nonperforming assets not guaranteed by U.S. government agencies decreased $13 million compared to December 31, 2021. Potential problem loans decreased $53 million while other loans especially mentioned decreased $4.1 million. Net charge-offs were $6.0 million or 0.12 percent of average loans on an annualized basis for the first quarter of 2022, excluding PPP loans. Net charge-offs were 0.14 percent of average loans, excluding PPP loans, over the last four quarters. Net recoveries were $714 thousand or 0.01 percent of average loans on an annualized basis for the fourth quarter of 2021, excluding PPP loans.
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Period-end deposits were $39.4 billion at March 31, 2022, a $1.8 billion decrease compared to December 31, 2021 due to expected seasonal activity from 2021 year-end balances. Average deposits increased $560 million, including a $243 million increase in demand deposits and a $317 million increase in interest bearing deposits.
The common equity Tier 1 capital ratio at March 31, 2022 was 11.30 percent. Other regulatory capital ratios included the Tier 1 capital ratio at 11.31 percent, total capital ratio at 12.25 percent, and leverage ratio at 8.47 percent. At December 31, 2021, the common equity Tier 1 capital ratio was 12.24 percent, the Tier 1 capital ratio was 12.25 percent, total capital ratio was 13.29 percent, and leverage ratio was 8.55 percent.
The Company repurchased 475,877 shares of common stock at an average price of $101.02 per share in the first quarter of 2022 and 128,522 shares at an average price of $104.46 in the fourth quarter of 2021. We view share buybacks opportunistically, but within the context of maintaining our strong capital position.
The Company paid a regular cash dividend of $36.1 million or $0.53 per common share during the first quarter of 2022. On May 3, 2022, the board of directors approved a quarterly cash dividend of $0.53 per common share payable on or about May 25, 2022 to shareholders of record as of May 10, 2022.

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Results of Operations
Net Interest Revenue and Net Interest Margin

Net interest revenue 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 revenue 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 income earned on assets funded by non-interest bearing liabilities such as demand deposits and equity.

Tax-equivalent net interest revenue totaled $270.4 million for the first quarter of 2022, $279.2 million for the fourth quarter of 2021, and $282.7 million for the first quarter of 2021. Compared to the fourth quarter of 2021, net interest revenue increased $3.8 million from changes in earning assets and decreased $12.6 million from changes in interest rates. Table 1 shows the effect on net interest revenue from changes in average balances and interest rates for various types of earning assets and interest-bearing liabilities.

Average earning assets decreased $744 million compared to the fourth quarter of 2021. Average trading securities were reduced by $723 million. Average loan balances increased $221 million, largely due to growth in commercial 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 decreased $155 million. We purchase securities to supplement earnings and to manage interest rate risk. Interest-bearing cash and cash equivalents decreased $158 million.

Total average deposits grew by $560 million over the fourth quarter of 2021. Funds purchased and repurchase agreements decreased $889 million while other borrowings increased $268 million.

Net interest margin was 2.44 percent compared to 2.52 percent in the fourth quarter of 2021. The tax-equivalent yield on earning assets was 2.58 percent, a decrease of 8 basis points. The yield on trading securities was down 18 basis points to 1.71 percent, largely due to a decrease in the weighted average coupon rate. Loan yields decreased 13 basis points to 3.57 percent. Yields related to loan fees decreased 17 basis points from the prior quarter while core loan yields increased 4 basis points. PPP loan fees of $3.9 million were recognized in the first quarter of 2022 compared to $7.7 million in the previous quarter. PPP loan fees remaining to be recognized were $3.5 million as of March 31, 2022. The available for sale securities portfolio yield increased 5 basis points to 1.77 percent. The yield on fair value option securities increased 10 basis points to 2.81 percent.
Funding costs were 0.21 percent, consistent with the prior quarter. The cost of interest bearing deposits was unchanged at 0.12 percent. The cost of other borrowed funds increased 7 basis points to 0.74 percent. The benefit to net interest margin from assets funded by non-interest liabilities was 7 basis points for the first quarter of 2022, unchanged from the prior quarter.

Compared to the first quarter of 2021, tax-equivalent net interest revenue decreased $2.1 million from a reduction in average earning assets and $10.2 million from changes in interest rates. Net interest margin was 2.44 percent for the first quarter of 2022, compared to 2.62 percent for the first quarter of 2021.
Average earning assets decreased $717 million compared to the first quarter of 2021. Average loans decreased $2.3 billion, largely due to a reduction in PPP loans combined with purposeful deleveraging by our customers as borrowers continued to pay down during this time of economic uncertainty. Available for sale securities decreased $341 million. Average trading securities increased $1.6 billion due to increased customer demand for U.S. government agency mortgage-backed securities in 2021.
Total average deposits increased $3.8 billion compared to the first quarter of 2021 as customers retained higher balances due to economic uncertainty during the height of the pandemic. Other borrowings decreased $2.2 billion while funds purchased and repurchase agreements decreased $826 million.
The tax-equivalent yield on earning assets decreased 20 basis points compared to the first quarter of 2021. The yield on trading securities decreased 35 basis points due to a lower weighted average coupon rate. The available for sale securities portfolio yield decreased 7 basis points as principal cash flows received from maturities of the available for sale securities portfolio were reinvested at lower current market rates. Loan yields increased 2 basis points to 3.57 percent. The yield on fair value option securities was up 86 basis points.
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Funding costs decreased 3 basis points compared to the first quarter of 2021. The cost of other borrowed funds increased 44 basis points and the cost of interest-bearing deposits decreased 5 basis points. The benefit to net interest margin from earning assets funded by non-interest bearing liabilities was 7 basis points for the first quarter of 2022, a decrease of 1 basis point compared to the first quarter of 2021.
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 77 percent 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 would be asset sensitive, which means that assets generally reprice more quickly than 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 revenue 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.

Table 1 -- Volume/Rate Analysis
(In thousands)
Three Months Ended
Mar. 31, 2022 / Dec. 31, 2021
  
Change Due To1
ChangeVolumeYield/Rate
Tax-equivalent interest revenue:   
Interest-bearing cash and cash equivalents
$(10)$(66)$56 
Trading securities(3,496)758 (4,254)
Investment securities
(186)(205)19 
Available for sale securities
2,380 827 1,553 
Fair value option securities189 173 16 
Restricted equity securities
79 195 (116)
Residential mortgage loans held for sale
152 130 22 
Loans(8,474)16 (8,490)
Total tax-equivalent interest revenue(9,366)1,828 (11,194)
Interest expense:
Transaction deposits246 (104)350 
Savings deposits(23)(25)
Time deposits(169)(253)84 
Funds purchased and repurchase agreements(594)(1,882)1,288 
Other borrowings(1)281 (282)
Subordinated debentures(28)(14)(14)
Total interest expense(569)(1,970)1,401 
Tax-equivalent net interest revenue(8,797)3,798 (12,595)
Change in tax-equivalent adjustment(131)
Net interest revenue$(8,666)
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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Table 1 -- Volume/Rate Analysis (continued)
(In thousands)
Three Months Ended
Mar. 31, 2022 / 2021
  
Change Due To1
ChangeVolumeYield/Rate
Tax-equivalent interest revenue:   
Interest-bearing cash and cash equivalents
$299 $121 $178 
Trading securities5,072 12,244 (7,172)
Investment securities
(418)(498)80 
Available for sale securities
(662)1,625 (2,287)
Fair value option securities(5)(187)182 
Restricted equity securities
(252)(173)(79)
Residential mortgage loans held for sale
14 (175)189 
Loans(19,516)(20,356)840 
Total tax-equivalent interest revenue(15,468)(7,399)(8,069)
Interest expense:
Transaction deposits(980)235 (1,215)
Savings deposits(13)11 (24)
Time deposits(1,259)(630)(629)
Funds purchased and repurchase agreements3,350 (1,170)4,520 
Other borrowings(2,184)(2,129)(55)
Subordinated debentures(2,045)(1,594)(451)
Total interest expense(3,131)(5,277)2,146 
Tax-equivalent net interest revenue(12,337)(2,122)(10,215)
Change in tax-equivalent adjustment(328)
Net interest revenue$(12,009)
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 $87.9 million for the first quarter of 2022, $157.4 million for the fourth quarter of 2021, and $177.1 million for the first quarter of 2021. Recent national and international events, including rising inflation, recent actions by the Federal Reserve to increase interest rates and expectations of future increases, and the deepening conflict in Ukraine combined to significantly decrease trading revenue and mortgage loan production volumes.

Table 2 – Other Operating Revenue 
(In thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Three Months Ended
Mar. 31, 2021
Increase (Decrease)% Increase (Decrease)
 Mar. 31, 2022Dec. 31, 2021
Brokerage and trading revenue
$(27,079)$14,869 $(41,948)(282)%$20,782 $(47,861)(230)%
Transaction card revenue24,216 24,998 (782)(3)%22,430 1,786 %
Fiduciary and asset management revenue
46,399 46,872 (473)(1)%41,322 5,077 12 %
Deposit service charges and fees
27,004 26,718 286 %24,209 2,795 12 %
Mortgage banking revenue16,650 21,278 (4,628)(22)%37,113 (20,463)(55)%
Other revenue10,445 11,586 (1,141)(10)%16,296 (5,851)(36)%
Total fees and commissions revenue
97,635 146,321 (48,686)(33)%162,152 (64,517)(40)%
Other gains (losses), net(1,644)6,081 (7,725)N/A10,121 (11,765)N/A
Loss on derivatives, net(46,981)(4,788)(42,193)N/A(27,650)(19,331)N/A
Gain (loss) on fair value option securities, net(11,201)1,418 (12,619)N/A(1,910)(9,291)N/A
Change in fair value of mortgage servicing rights
49,110 7,859 41,251 N/A33,874 15,236 N/A
Gain on available for sale securities, net937 552 385 N/A467 470 N/A
Total other operating revenue
$87,856 $157,443 $(69,587)(44)%$177,054 $(89,198)(50)%
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 27 percent of total revenue for the first quarter of 2022, excluding provision for credit losses and gains and losses on other assets, securities and derivatives and the change in the fair value of mortgage servicing rights. Interest rate volatility during the first quarter had a significant negative impact to our mortgage-related fee businesses, reducing the ratio of fees and commissions from our historical range of 35 percent to 45 percent. We believe that a variety of fee revenue sources provides an offset to changes in 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 rising interest rates that we expect will result in growth in net interest revenue or fiduciary and asset management revenue may also decrease mortgage banking production volumes and related trading, as we experienced in the first quarter of 2022. The velocity of changes in market conditions and interest rates may result in timing differences between when offsetting impacts and benefits are realized. As interest rates are expected to move higher, we expect to experience increased benefits to our net interest margin, which provides an offset to reduced mortgage-related fee income. 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, including the recent impact of the COVID-19 pandemic, 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 $41.9 million or 282 percent compared to the fourth quarter of 2021 and $47.9 million or 230 percent compared to the first quarter of 2021.
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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 decreased $40.9 million to a net loss of $54.0 million compared to the prior quarter and decreased $57.8 million compared to first quarter of 2021. During 2021, to meet customer demand in response to expected tightening by the Federal Reserve and increasing rates, we increased the trading volume of short duration, low coupon U.S. government agency residential mortgage-backed securities, which led to record trading revenues in the third quarter of 2021. As inflation pressure increased in the first quarter of 2022 and the conflict in Ukraine intensified, fixed income markets were disrupted, reducing the demand for these securities. As of March 31, 2022, we have reduced our exposure to these securities by approximately 70 percent compared to December 31, 2021.

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 Derivative 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 $10.9 million for the first quarter of 2022, an increase of $1.8 million over the prior quarter. Customer hedging revenue increased $8.3 million over the first quarter of 2021 due to growth in interest rate and energy contracts. Customer hedging revenue includes credit valuation adjustments of the fair value of derivatives to reflect the risk of counterparty default.

Revenue earned from retail brokerage transactions totaled $4.6 million for the first quarter of 2022, relatively unchanged compared to both the fourth quarter of 2021 and first quarter of 2021.

Investment banking, which includes fees earned upon completion of underwriting, financial advisory services and loan syndication fees, totaled $7.7 million for the first quarter of 2022, a decrease of $3.9 million compared to the fourth quarter of 2021, related to the timing and volume of completed transactions. Investment banking revenue increased $866 thousand over the first quarter of 2021.
Transaction Card Revenue

Transaction card revenue totaled $24.2 million for the first quarter of 2022, down slightly compared to the fourth quarter of 2021 due to seasonal factors. Transaction card revenue increased $1.8 million or 8 percent over the first quarter of 2021, largely due to stimulus measures and the broader reopening of the U.S. economy.
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. Approximately 90 percent of fiduciary and asset management revenue is primarily 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 relatively unchanged compared to the fourth quarter of 2021 and increased $5.1 million or 12 percent compared to the first quarter of 2021, largely driven by an increase in trust and managed account fees from higher client asset balances. We had approximately $2.6 million in fee waivers during the first quarter of 2022, compared to approximately $3.0 million in fee waivers in the prior quarter and $2.8 million in the first quarter of 2021. We have voluntarily waived certain administration fees on the Cavanal Hill money market funds in order to maintain positive yields on these funds in the current short-term interest rate environment.

A distribution of assets under management or administration and related fiduciary and asset management revenue follows:
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Table 3 -- Assets Under Management or Administration
(In thousands)
Three Months Ended
March 31, 2022December 31, 2021March 31, 2021
 
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Managed fiduciary assets:
Personal$11,292,472 $28,331 1.00 %$12,739,289 $29,633 0.93 %$11,369,467 $23,608 0.83 %
Institutional18,592,153 9,995 0.22 %17,477,280 7,536 0.17 %15,144,797 6,818 0.18 %
Total managed fiduciary assets
29,884,625 38,326 0.51 %30,216,569 37,169 0.49 %26,514,264 30,426 0.46 %
Non-managed assets:
Fiduciary31,210,695 5,107 0.07 %34,320,264 6,647 0.08 %29,713,004 9,286 0.13 %
Non-fiduciary19,361,212 2,966 0.06 %20,253,072 3,056 0.06 %18,421,279 1,610 0.03 %
Safekeeping and brokerage assets under administration
20,624,823   %20,127,816 — — %17,307,641 — — %
Total non-managed assets
71,196,730 8,073 0.05 %74,701,152 9,703 0.05 %65,441,924 10,896 0.07 %
Total assets under management or administration
$101,081,355 $46,399 0.18 %$104,917,721 $46,872 0.18 %$91,956,188 $41,322 0.18 %
1 Assets under management or administration balance excludes $22 billion in assets under custody held by a sub-custodian where minimal revenue is recognized.
2    Fiduciary and asset management revenue includes asset-based and other fees associated with the assets.
3    Annualized revenue divided by period-end balance.


A summary of changes in assets under management or administration for the three months ended March 31, 2022 and 2021 follows:

Table 4 -- Changes in Assets Under Management or Administration
(In thousands)
Three Months Ended March 31,
20222021
Beginning balance$104,917,721 $91,592,247 
Net inflows (outflows)(1,774,056)(1,328,296)
Net change in fair value(2,062,310)1,692,237 
Ending balance$101,081,355 $91,956,188 

Assets under management as of March 31, 2022 consist of 41 percent fixed income, 38 percent equities, 13 percent cash, and 8 percent alternative investments.

Deposit Service Charges and Fees

Deposit service charges and fees were relatively flat compared to the fourth quarter of 2021 and increased $2.8 million or 12 percent over the first quarter of 2021. Commercial accounts where lower earnings credit rates caused by the low interest rate environment have resulted in higher service charges and consumer activity has increased following the pandemic shut downs. Overdraft and non-sufficient funds fees earned primarily on consumer deposit accounts totaled $6.2 million for the first quarter of 2022, largely unchanged from the prior quarter and an increase of $1.6 million over the first quarter of 2021.

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Mortgage Banking Revenue

Mortgage banking revenue decreased $4.6 million or 22 percent compared to the fourth quarter of 2021 due to lower production volume combined with narrowing margins. Interest rate volatility and continued inventory shortages have resulted in fewer refinance opportunities and heightened competitive pricing pressure. Mortgage production volume decreased $93 million to $408 million. Production revenue as a percentage of production volume, which includes unrealized gains and losses on our mortgage commitment pipeline and related hedges, decreased 76 basis points to 1.24 percent.

Mortgage banking revenue decreased $20.5 million or 55 percent compared to the first quarter of 2021. Mortgage loan production volume decreased $442 million or 52 percent largely due to industry-wide housing inventory constraints and overall market conditions. Production revenue as a percentage of production volume decreased 174 basis points compared to the first quarter of 2021.


Table 5 – Mortgage Banking Revenue 
(In thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Three Months Ended
Mar. 31, 2021
Increase (Decrease)% Increase (Decrease)
 Mar. 31, 2022Dec. 31, 2021
Mortgage production revenue
$5,055 $10,018 $(4,963)(50)%$25,287 $(20,232)(80)%
Mortgage loans funded for sale$418,866 $568,507 $843,053 
Add: Current period end outstanding commitments
160,260 171,412 387,465 
Less: Prior period end outstanding commitments
171,412 239,066 380,637 
Total mortgage production volume
$407,714 $500,853 $(93,139)(19)%$849,881 $(442,167)(52)%
Mortgage loan refinances to mortgage loans funded for sale
45 %51 %(600) bps65 %(2,000) bps
Realized margin on funded mortgage loans1.64 %2.34 %(70) bps3.10 %(146) bps
Production revenue as a percentage of production volume1.24 %2.00 %(76) bps2.98 %(174) bps
Primary mortgage interest rates:
Average
3.82 %3.08 %74  bps2.88 %94  bps
Period end
4.67 %3.11 %156  bps3.17 %150  bps
Mortgage servicing revenue
$11,595 $11,260 $335 %$11,826 $(231)(2)%
Average outstanding principal balance of mortgage loans serviced for others
16,155,329 15,930,480 224,849 %15,723,231 432,098 %
Average mortgage servicing revenue rates
0.29 %0.28 % bp0.31 %(2) bp
Primary rates disclosed in Table 5 above represent rates generally available to borrowers on 30 year conforming mortgage loans.
Other Revenue

Other revenue decreased $1.1 million or 10 percent compared to the fourth quarter of 2021. Other revenue decreased $5.9 million or 36 percent compared to the first quarter of 2021 as a result of lower operating revenue from repossessed oil and gas assets due to the sale of properties during the prior year, which was largely offset by a reduction of expenses on the same properties.






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Net gains on other assets, securities and derivatives

Other gains and losses, net decreased $7.7 million compared to the fourth quarter of 2021 primarily related to changes in the fair value of rabbi trust investments that are largely offset by lower deferred compensation expense. Other gains and losses, net decreased $11.8 million compared to the first quarter of 2021. The first quarter of 2021 included a $14.1 million gain on the sale of an equity interest received as part of the workout of a defaulted energy loan, partially offset by additional operating expenses and a write-down of a repossessed oil and gas property, and a $3.6 million impairment of a merchant banking investment.

As discussed in the Market Risk section following, the fair value of our mortgage servicing rights ("MSRs") changes in response to changes in primary mortgage loan rates and other assumptions. We attempt to mitigate the earnings volatility caused by changes in the fair value of MSRs by designating certain financial instruments as an economic hedge. Changes in the fair value of these instruments are generally expected to partially offset changes in the fair value of MSRs.

Table 6 - Gain (Loss) on Mortgage Servicing Rights
(In thousands)
 Three Months Ended
 Mar. 31, 2022Dec. 31, 2021Mar. 31, 2021
Loss on mortgage hedge derivative contracts, net$(46,694)$(4,862)$(27,705)
Gain (loss) on fair value option securities, net(11,201)1,418 (1,910)
Loss on economic hedge of mortgage servicing rights, net(57,895)(3,444)(29,615)
Gain on change in fair value of mortgage servicing rights49,110 7,859 33,874 
Gain (loss) on changes in fair value of mortgage servicing rights, net of economic hedges included in other operating revenue(8,785)4,415 4,259 
Net interest revenue on fair value option securities1
383 259 393 
Total economic benefit (cost) of changes in the fair value of mortgage servicing rights, net of economic hedges$(8,402)$4,674 $4,652 
1    Actual interest earned on fair value option securities less internal transfer-priced cost of funds.

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Other Operating Expense

Other operating expense for the first quarter of 2022 totaled $277.6 million, a decrease of $21.9 million compared to the fourth quarter of 2021, and a decrease of $18.2 million compared to the first quarter of 2021.

Table 7 – Other Operating Expense
(In thousands)
Three Months EndedIncrease (Decrease)%
Increase (Decrease)
Three Months Ended
Mar. 31, 2021
Increase (Decrease)%
Increase (Decrease)
 Mar. 31, 2022Dec. 31, 2021
Regular compensation
$96,474 $95,708 $766 %$97,211 $(737)(1)%
Incentive compensation:
Cash-based34,444 45,610 (11,166)(24)%42,259 (7,815)(18)%
Share-based3,304 7,153 (3,849)(54)%4,570 (1,266)28 %
Deferred compensation(2,124)2,071 (4,195)N/A2,263 (4,387)N/A
Total incentive compensation35,624 54,834 (19,210)(35)%49,092 (13,468)(27)%
Employee benefits27,130 23,932 3,198 13 %26,707 423 %
Total personnel expense159,228 174,474 (15,246)(9)%173,010 (13,782)(8)%
Business promotion6,513 6,452 61 %2,154 4,359 202 %
Charitable contributions to BOKF Foundation
 5,000 (5,000)N/A4,000 (4,000)N/A
Professional fees and services
11,413 14,129 (2,716)(19)%11,980 (567)(5)%
Net occupancy and equipment30,855 26,897 3,958 15 %26,662 4,193 16 %
Insurance4,283 3,889 394 10 %4,620 (337)(7)%
Data processing and communications
39,836 39,358 478 %37,467 2,369 %
Printing, postage and supplies3,689 2,935 754 26 %3,440 249 %
Amortization of intangible assets3,964 4,438 (474)(11)%4,807 (843)(18)%
Mortgage banking costs7,877