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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 September 30, 2023
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: 65,664,840 shares of common stock ($.00006 par value) as of September 30, 2023.

BOK Financial Corporation
Form 10-Q
Quarter Ended September 30, 2023

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)
Nine-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


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

BOK Financial Corporation ("the Company") reported net income of $134.5 million or $2.04 per diluted share for the third quarter of 2023 compared to $151.3 million or $2.27 per diluted share for the second quarter of 2023. Pre-provision net revenue ("PPNR"), a non-GAAP measure, decreased $37.6 million to $174.8 million compared to the second quarter of 2023.

Highlights of the third quarter of 2023 compared to the second quarter of 2023 included:

•Net interest revenue totaled $300.9 million, a decrease of $21.4 million compared to the prior quarter. Net interest margin was 2.69 percent for the third quarter of 2023 compared to 3.00 percent for the prior quarter. Growth in low-spread trading assets drove an 8 basis point decline in net interest margin with deposit repricing activity primarily driving the remaining 23 basis point reduction. For the third quarter of 2023, our core net interest margin excluding trading activities, a non-GAAP measure, was 3.14 percent compared to 3.36 percent in the prior quarter.
•Fees and commissions revenue totaled $197.9 million, a decrease of $2.6 million. Decreased brokerage and trading revenue and mortgage banking revenue were partially offset by increased other revenue.
•Other operating expense totaled $324.3 million, an increase of $5.6 million. Personnel expense was relatively unchanged, while non-personnel expense increased $5.5 million, led by higher occupancy and equipment costs and other expenses.
•Other gains and losses, net decreased $11.1 million to $1.5 million. The prior quarter included gains on alternative investments, primarily attributable to merchant banking activity.
•Period end outstanding loan balances totaled $23.7 billion at September 30, 2023, growing $486 million over June 30, 2023, largely due to growth in commercial and commercial real estate loans secured by multifamily properties. Average loan balances increased $525 million to $23.4 billion.
•The provision for credit losses of $7.0 million in the third quarter of 2023 reflects our continued loan growth and changes in our economic forecast. Net charge-offs were $6.5 million or 0.11 percent of average loans on an annualized basis in the third quarter. The resulting combined allowance for credit losses totaled $325 million or 1.37 percent of outstanding loans at September 30, 2023. The combined allowance for credit losses was $323 million or 1.39 percent of outstanding loans at June 30, 2023.
•Nonperforming assets not guaranteed by U.S. government agencies were $113 million, a $12 million decrease compared to June 30, 2023. Potential problem loans increased by $36 million, while other loans especially mentioned were largely unchanged compared to June 30, 2023.
•Period end deposits were $33.7 billion at September 30, 2023, a $358 million increase over June 30, 2023. Average deposits increased $918 million, including a $1.8 billion increase in average interest-bearing deposits, partially offset by an $840 million reduction in demand deposit balances. The loan to deposit ratio was 70 percent at September 30, 2023, consistent with June 30, 2023.
•Assets under management or administration totaled $99.0 billion at September 30, 2023, decreasing $4.6 billion compared to June 30, 2023.
•The Company's tangible common equity ratio, a non-GAAP measure, was 7.74 percent at September 30, 2023 and 7.79 percent at June 30, 2023. 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 ratio would be 7.35 percent at September 30, 2023 and 7.49 percent at June 30, 2023.
•The common equity Tier 1 capital ratio at September 30, 2023 was 12.06 percent. Other regulatory capital ratios include the Tier 1 capital ratio at 12.07 percent, total capital ratio at 13.16 percent, and leverage ratio at 9.52 percent. At June 30, 2023, the common equity Tier 1 capital ratio was 12.13 percent, the Tier 1 capital ratio was 12.13 percent, total capital ratio was 13.24 percent, and leverage ratio was 9.75 percent.
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•The Company repurchased 700,500 shares of common stock at an average price of $84.17 per share in the third quarter of 2023 and 266,000 shares at an average price of $84.08 in the second quarter of 2023. We view share buybacks opportunistically, but within the context of maintaining our strong capital position.
•The Company paid a regular cash dividend of $35.7 million or $0.54 per common share during the third quarter of 2023. On October 31, 2023, the board of directors approved a quarterly cash dividend of $0.55 per common share payable on or about November 30, 2023 to shareholders of record as of November 15, 2023.
Highlights of the nine months ended September 30, 2023 compared to the nine months ended September 30, 2022 included:
•Tax-equivalent net interest revenue totaled $982.2 million for the nine months ended September 30, 2023 and $864.9 million for the nine months ended September 30, 2022. Net interest revenue increased $166.1 million from changes in interest rates and decreased $48.8 million from changes in earning assets. Net interest margin was 3.03 percent compared to 2.80 percent. 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 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. Loan yields increased 285 basis points and funding costs increased 279 basis points. Average earning assets increased $2.2 billion to $42.5 billion. Higher average loan balances were partially offset by lower trading securities balances. In the second quarter of 2022, we transferred $2.4 billion of U.S. government agency mortgage-backed securities from available for sale to the investment securities portfolio to limit the effect of future rate increases on the tangible common equity ratio. Other borrowed funds increased $5.6 billion while total interest-bearing deposits decreased $1.7 billion.
•Fees and commissions revenue totaled $584.3 million for the nine months ended September 30, 2023, a $120.7 million increase over the nine months ended September 30, 2022. Brokerage and trading revenue increased $101.7 million, primarily due to disruptions in the fixed income markets related to economic uncertainty in the first part of 2022. Fiduciary and asset management revenue increased $9.5 million led by growth in mutual fund fees, Cavanal Hill fund fees, and trust fees. Other revenue increased $8.5 million, largely due to increased revenue on bank-owned life insurance and higher margin interest fees. The prior year included a $4.5 million write-down of bank-owned life insurance as the fair value of this portfolio declined and exceeded the maximum support from the stable value wrap.
•Total operating expense was $948.8 million for the nine months ended September 30, 2023, an increase of $102.8 million compared to the nine months ended September 30, 2022. Personnel expense increased $79.1 million. Regular compensation increased $29.4 million, largely related to annual merit increases, salary adjustments, and business expansion. Cash-based incentive compensation grew $22.9 million due to higher sales activity. Share-based compensation expense increased $6.9 million reflecting changes in assumptions of certain performance-based equity awards. Deferred compensation expense, which is offset by changes in fair value of deferred compensation investments, grew $14.6 million. Non-personnel expense increased $23.7 million to $385.2 million, largely due to higher data processing costs related to ongoing technology projects and FDIC insurance costs following increased assessment rates in 2023.
•The provision for expected credit losses was $40.0 million for the nine months ended September 30, 2023, primarily due to growth in loan balances and changes in our economic forecast, including a more challenging national commercial real estate environment, particularly related to office. A $15.0 million provision for expected credit losses was recorded for the nine months ended September 30, 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 $303.1 million for the third quarter of 2023, compared to $324.5 million for the prior quarter. Compared to the second quarter of 2023, net interest revenue decreased $19.0 million from changes in interest rates and $2.3 million from changes in earning assets. 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 increased $1.3 billion compared to the second quarter of 2023. The average balance of trading securities increased $1.2 billion due to favorable market opportunities for U.S. government agency residential mortgage-backed securities observed primarily throughout the second quarter and extending into the early part of the third quarter. Average loan balances increased $525 million, largely due to growth in commercial and commercial real estate loans. Average fair value option securities, held as an economic hedge of the changes in fair value of our mortgage servicing rights, decreased $204 million. 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 $108 million and average interest-bearing cash and cash equivalents declined $110 million.

Total average deposits increased $918 million compared to the second quarter of 2023, including a $1.8 billion increase in interest-bearing deposits, partially offset by an $840 million decrease in demand deposits. Other borrowings grew $1.7 billion while funds purchased and repurchase agreements declined $972 million.

Net interest margin was 2.69 percent compared to 3.00 percent in the second quarter of 2023. Growth in low-spread trading assets drove an 8 basis point decline in net interest margin with deposit price competition and liability mix shift primarily driving the remaining 23 basis point reduction. For the third quarter of 2023, our core net interest margin excluding trading activities, a non-GAAP measure, was 3.14 percent percent compared to 3.36 percent in the prior quarter. The tax-equivalent yield on earning assets was 5.49 percent, an increase of 20 basis points. Loan yields grew 22 basis points to 7.25 percent. The available for sale securities portfolio yield increased 11 basis points to 3.11 percent. The yield on trading securities grew 26 basis points to 4.76 percent.

Funding costs were 3.81 percent, a 54 basis point increase over the prior quarter. The cost of interest-bearing deposits increased 61 basis points to 3.17 percent. The cost of other borrowings increased 36 basis points to 5.48 percent while the cost of funds purchased and repurchase agreements increased 23 basis points to 4.81 percent. The benefit to net interest margin from assets funded by non-interest liabilities was 101 basis points, an increase of 3 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 80 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 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 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.

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Table 1 – Volume/Rate Analysis
(In thousands)
Three Months Ended
Sep. 30, 2023 / June 30, 2023
Nine Months Ended
Sep. 30, 2023 / 2022
  
Change Due To1
 
Change Due To1
ChangeVolumeYield/RateChangeVolumeYield/Rate
Tax-equivalent interest revenue:      
Interest-bearing cash and cash equivalents
$(1,353)$(1,443)$90 $18,527 $(5,296)$23,823 
Trading securities17,419 14,291 3,128 60,434 (38,592)99,026 
Investment securities
(350)(341)(9)10,718 14,403 (3,685)
Available for sale securities
4,389 762 3,627 107,155 7,529 99,626 
Fair value option securities(2,564)(2,405)(159)6,347 4,238 2,109 
Restricted equity securities
2,347 1,982 365 15,819 9,073 6,746 
Residential mortgage loans held for sale
142 61 81 (1,332)(2,979)1,647 
Loans26,661 11,638 15,023 546,499 78,148 468,351 
Total tax-equivalent interest revenue46,691 24,545 22,146 764,167 66,524 697,643 
Interest expense:
Transaction deposits36,113 8,061 28,052 314,530 (25,286)339,816 
Savings deposits553 (41)594 1,497 (56)1,553 
Time deposits11,476 7,081 4,395 44,546 10,160 34,386 
Funds purchased and repurchase agreements(9,157)(11,253)2,096 81,352 26,511 54,841 
Other borrowings28,955 23,008 5,947 202,811 103,980 98,831 
Subordinated debentures102 13 89 2,157 (2)2,159 
Total interest expense68,042 26,869 41,173 646,893 115,307 531,586 
Tax-equivalent net interest revenue(21,351)(2,324)(19,027)117,274 (48,783)166,057 
Change in tax-equivalent adjustment14 523 
Net interest revenue$(21,365)$116,751 
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 $198.2 million for the third quarter of 2023, a decrease of $10.9 million compared to the second quarter of 2023.

Table 2 – Other Operating Revenue 
(Dollars in thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Nine Months EndedIncrease (Decrease)% Increase (Decrease)
 Sep. 30, 2023June 30, 2023Sep. 30, 2023Sep. 30, 2022
Brokerage and trading revenue
$62,312 $65,006 $(2,694)(4)%$179,714 $77,970 $101,744 130 %
Transaction card revenue26,387 26,003 384 1 %78,011 77,130 881 1 %
Fiduciary and asset management revenue
52,256 52,997 (741)(1)%155,910 146,427 9,483 6 %
Deposit service charges and fees
27,676 27,100 576 2 %80,744 84,207 (3,463)(4)%
Mortgage banking revenue13,356 15,141 (1,785)(12)%42,864 39,300 3,564 9 %
Other revenue15,865 14,250 1,615 11 %47,085 38,608 8,477 22 %
Total fees and commissions revenue
197,852 200,497 (2,645)(1)%584,328 463,642 120,686 26 %
Other gains (losses), net1,474 12,618 (11,144)N/A16,343 (8,304)24,647 N/A
Loss on derivatives, net(9,010)(8,159)(851)N/A(18,513)(77,559)59,046 N/A
Loss on fair value option securities, net(203)(2,158)1,955 N/A(5,323)(17,790)12,467 N/A
Change in fair value of mortgage servicing rights
8,039 9,261 (1,222)N/A11,241 83,165 (71,924)N/A
Gain (loss) on available for sale securities, net— (3,010)3,010 N/A(3,010)3,017 (6,027)N/A
Total other operating revenue
$198,152 $209,049 $(10,897)(5)%$585,066 $446,171 $138,895 31 %
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 percent of total revenue for the third quarter of 2023, 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. 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 rising interest rates, that we expect will result in growth in net interest revenue or fiduciary and asset management revenue may also affect 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 $2.7 million or 4 percent compared to the second quarter of 2023.

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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 $34.5 million, a $2.5 million decrease compared to the prior quarter, primarily related to our municipal bond trading activity, which was influenced by the rising interest rate environment and evolving market expectations during the third quarter.

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 $6.9 million, a decrease of $6.8 million, driven by less energy customer activity following a record high in the second 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 $13.9 million for the third quarter of 2023, an increase of $5.7 million compared to the second quarter of 2023, primarily related to the timing and volume of transactions of underwriting fees and financial advisory fees.
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 $26.4 million for the third quarter of 2023, relatively consistent with the prior 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 $52.3 million for the third quarter of 2023, largely unchanged compared to the second quarter of 2023.

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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
September 30, 2023June 30, 2023
 
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Managed fiduciary assets:
Personal$10,572,514 $25,808 0.98 %$10,687,370 $26,741 1.00 %
Institutional18,244,521 8,532 0.19 %18,705,828 9,103 0.19 %
Total managed fiduciary assets
28,817,035 34,340 0.48 %29,393,198 35,844 0.49 %
Non-managed assets:
Fiduciary27,562,974 14,643 0.21 %28,480,670 14,300 0.20 %
Non-fiduciary18,215,082 3,273 0.07 %20,910,245 2,853 0.05 %
Safekeeping and brokerage assets under administration
24,409,088 — — %24,834,827 — — %
Total non-managed assets
70,187,144 17,916 0.10 %74,225,742 17,153 0.09 %
Total assets under management or administration
$99,004,179 $52,256 0.21 %$103,618,940 $52,997 0.20 %
Nine Months Ended
September 30, 2023September 30, 2022
 
Balance1
Revenue2
Margin3
Balance1
Revenue2
Margin3
Managed fiduciary assets:
Personal$10,572,514 $77,388 1.46 %$10,107,830 $81,760 1.62 %
Institutional18,244,521 26,858 0.29 %16,983,268 25,598 0.30 %
Total managed fiduciary assets
28,817,035 104,246 0.72 %27,091,098 107,358 0.79 %
Non-managed assets:
Fiduciary27,562,974 42,728 0.31 %27,623,607 30,134 0.22 %
Non-fiduciary18,215,082 8,936 0.10 %18,099,922 8,935 0.10 %
Safekeeping and brokerage assets under administration
24,409,088 — — %22,587,011 — — %
Total non-managed assets
70,187,144 51,664 0.15 %68,310,540 39,069 0.11 %
Total assets under management or administration
$99,004,179 $155,910 0.31 %$95,401,638 $146,427 0.31 %
1 Assets under management or administration balance excludes certain assets under custody held by a sub-custodian where minimal revenue is recognized. $18 billion, $19 billion, and $23 billion of such assets are excluded from assets under management or administration at September 30, 2023, June 30, 2023, and September 30, 2022, 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 nine months ended September 30, 2023 and 2022 follows:

Table 4 – Changes in Assets Under Management or Administration
(In thousands)
Three Months Ended September 30,Nine Months Ended September 30,
2023202220232022
Beginning balance$103,618,940 $95,981,289 $99,735,040 $104,917,721 
Net inflows (outflows)(3,922,122)639,636 (4,727,474)(1,642,712)
Net change in fair value(692,639)(1,219,287)3,996,613 (7,873,371)
Ending balance$99,004,179 $95,401,638 $99,004,179 $95,401,638 

Assets under management as of September 30, 2023 consist of 43 percent fixed income, 32 percent equities, 16 percent cash, and 9 percent alternative investments.
Deposit Service Charges

Deposit service charges and fees were consistent with the second quarter of 2023.
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Mortgage Banking Revenue

Mortgage banking revenue decreased $1.8 million to $13.4 million, largely due to lower mortgage production and qualifying residential mortgage loans guaranteed by U.S. government agencies previously in forbearance that have been resold into Government National Mortgage Association ("GNMA") pools following the applicable performance period specified by the programs. Mortgage production volume decreased $30 million to $168 million. Production revenue as a percentage of production volume, which includes unrealized gains and losses on our mortgage commitment pipeline and related hedges, decreased 98 basis points to (1.12) percent.

Table 5 – Mortgage Banking Revenue 
(Dollars in thousands)
 Three Months EndedIncrease (Decrease)% Increase (Decrease)Nine Months EndedIncrease (Decrease)% Increase (Decrease)
 Sep. 30, 2023June 30, 2023Sep. 30, 2023Sep. 30, 2022
Mortgage production revenue$(1,887)$(284)$(1,603)(564)%$(2,804)$2,145 $(4,949)(231)%
Mortgage loans funded for sale$173,727 $214,785 $527,136 $1,039,313 
Add: Current period end outstanding commitments49,284 55,031 49,284 75,779 
Less: Prior period end outstanding commitments55,031 71,693 45,492 171,412 
Total mortgage production volume$167,980 $198,123 $(30,143)(15)%$530,928 $943,680 $(412,752)(44)%
Mortgage loan refinances to mortgage loans funded for sale9 %8 %100  bps— %26 %(2,600) bps
Realized margin on funded mortgage loans(0.94)%(0.14)%(80) bps(0.69)%0.86 %(155) bps
Production revenue as a percentage of production volume(1.12)%(0.14)%(98) bps(0.53)%0.23 %(76) bps
Primary mortgage interest rates:
Average7.08 %6.56 %52  bps6.66 %4.90 %176  bps
Period end7.35 %6.70 %65  bps