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BOKF BOK Financial

Document And Entity Information

Document And Entity Information - USD ($)3 Months Ended
Mar. 31, 2019Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant NameBOK FINANCIAL CORP ET AL
Entity Central Index Key0000875357
Current Fiscal Year End Date--12-31
Entity Emerging Growth Companyfalse
Entity Small Businessfalse
Entity Current Reporting StatusYes
Entity Filer CategoryLarge Accelerated Filer
Entity Public Float $ 2,441,480,672
Entity Common Stock, Shares Outstanding71,449,982
Document Fiscal Year Focus2019
Document Fiscal Period FocusQ1
Document Type10-Q
Amendment Flagfalse
Document Period End DateMar. 31,
2019

Consolidated Statements of Earn

Consolidated Statements of Earnings (Unaudited) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Interest revenue [Abstract]
Loans $ 279,872 $ 188,091
Residential mortgage loans held for sale1,663 1,844
Trading securities18,695 7,738
Investment securities4,034 3,857
Available for sale securities56,831 45,959
Fair value option securities5,237 4,819
Restricted equity securities6,345 5,117
Interest-bearing cash and cash equivalents3,397 7,982
Total interest revenue376,074 265,407
Interest expense [Abstract]
Deposits37,417 18,219
Borrowed funds56,810 25,449
Subordinated debentures3,745 2,003
Total interest expense97,972 45,671
Net interest revenue278,102 219,736
Provision for credit losses8,000 (5,000)
Net interest revenue after provision for credit losses270,102 224,736
Total fees and commissions160,552 159,614
Other gains (losses), net2,976 (1,292)
Gain (loss) on derivatives, net4,667 (5,685)
Gain (loss) on fair value option securities, net9,665 (17,564)
Change in fair value of mortgage servicing rights(20,666)21,206
Gain (loss) on available for sale securities, net76 (290)
Total other operating revenue157,270 155,989
Other operating expense [Abstract]
Personnel169,228 139,947
Business promotion7,874 6,010
Professional fees and services16,139 10,200
Net occupancy and equipment29,521 24,046
Insurance4,839 6,593
Data processing and communications31,449 27,817
Printing, postage and supplies4,885 4,089
Net losses and operating expenses of repossessed assets1,996 7,705
Amortization of intangible assets5,191 1,300
Mortgage banking costs9,906 10,149
Other expense6,129 6,574
Total other operating expense287,157 244,430
Net income before taxes140,215 136,295
Federal and state income taxes29,950 30,948
Net income110,265 105,347
Net income attributable to non-controlling interests(347)(215)
Net income attributable to BOK Financial Corporation shareholders $ 110,612 $ 105,562
Earnings per share: [Abstract]
Basic $ 1.54 $ 1.61
Diluted $ 1.54 $ 1.61
Average shares used in computation: [Abstract]
Basic71,387,070 64,847,334
Diluted71,404,388 64,888,033
Dividends declared per share $ 0.50 $ 0.45
Brokerage and trading revenue [Member]
Total fees and commissions $ 31,617 $ 30,648
Transaction card revenue [Member]
Total fees and commissions20,738 20,990
Fiduciary and asset management revenue [Member]
Total fees and commissions43,358 41,832
Deposit service charges and fees [Member]
Total fees and commissions28,243 27,161
Mortgage banking revenue [Member]
Total fees and commissions23,834 26,025
Other revenue [Member]
Total fees and commissions $ 12,762 $ 12,958

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income $ 110,265 $ 105,347
Other comprehensive income (loss) before income taxes:
Net change in unrealized gain (loss)92,739 (97,406)
Reclassification adjustments included in earnings:
Loss (gain) on available for sale securities, net(76)290
Other comprehensive income (loss) before income taxes92,663 (97,116)
Federal and state income taxes23,609 (24,808)[1]
Other comprehensive income (loss), net of income taxes69,054 (72,308)
Comprehensive income179,319 33,039
Comprehensive income attributable to non-controlling interests(347)(215)
Comprehensive income attributable to BOK Financial Corp. shareholders $ 179,666 $ 33,254
[1]Calculated using a 25 percent blended federal and state statutory tax rate.

Consolidated Balance Sheets (Un

Consolidated Balance Sheets (Unaudited) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018
Assets [Abstract]
Cash and due from banks $ 718,297 $ 741,749
Interest-bearing cash and cash equivalents564,404 401,675
Trading securities2,140,326 1,956,923
Investment securities331,466 355,187
Available for sale securities9,025,198 8,857,120
Fair value option securities707,994 283,235
Restricted equity securities376,429 344,447
Residential mortgage loans held for sale160,157 149,221
Loans21,758,980 21,656,730
Allowance for loan losses(205,340)(207,457)
Loans, net of allowance21,553,640 21,449,273
Premises and equipment, net468,293 330,033
Receivables224,887 204,960
Goodwill1,048,091 1,049,263
Intangible assets, net129,482 134,849
Mortgage servicing rights238,193 259,254
Real estate and other repossessed assets, net of allowance17,139 17,487
Derivative contracts, net359,223 320,929
Cash surrender value of bank-owned life insurance384,174 381,608
Receivable on unsettled securities sales966,455 336,400
Other assets469,114 446,891
Total assets39,882,962 38,020,504
Deposits [Abstract]
Noninterest-bearing demand deposits10,096,552 10,414,592
Interest-bearing deposits: [Abstract]
Transaction12,476,977 12,206,576
Savings559,884 529,215
Time2,198,389 2,113,380
Total deposits25,331,802 25,263,763
Funds purchased and repurchase agreements1,439,673 1,018,411
Other borrowings7,341,093 6,124,390
Subordinated debentures275,880 275,913
Accrued interest, taxes and expense173,434 192,826
Derivative contracts, net299,698 362,306
Due on unsettled securities purchases186,401 156,370
Other liabilities303,272 183,480
Total liabilities35,351,253 33,577,459
Shareholders' equity: [Abstract]
Common stock5 5
Capital surplus1,340,323 1,334,030
Retained earnings3,447,076 3,369,654
Treasury stock(261,000)(198,995)
Accumulated other comprehensive loss(3,531)(72,585)
Total shareholders’ equity4,522,873 4,432,109
Non-controlling interests8,836 10,936
Total equity4,531,709 4,443,045
Total liabilities and equity $ 39,882,962 $ 38,020,504

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) (Unaudited) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018
Investment securities [Abstract]
Investment Securities, fair value $ 348,488 $ 367,298
Allowance for real estate and other repossessed assets $ 12,586 $ 13,665
Shareholders' equity: [Abstract]
Common stock, par value (in dollars per share) $ 0.00006 $ 0.00006
Common stock, shares authorized (in shares)2,500,000,000 2,500,000,000
Common stock, shares issued (in shares)75,762,268 75,711,492
Common stock, shares outstanding (in shares)75,762,268 75,711,492
Treasury stock, shares at cost (in shares)4,312,286 3,588,560

Consolidated Statements of Chan

Consolidated Statements of Changes in Equity (Unaudited) - USD ($) shares in Thousands, $ in ThousandsTotalCommon Stock [Member]Capital Surplus [Member]Retained Earnings [Member]Treasury Stock [Member]Accumulated Other Comprehensive Income (Loss) [Member]Total Shareholders' Equity [Member]Non-Controlling Interests [Member]
Transition adjustment for new accounting principle in period of adoption $ (2,709) $ 2,709 $ (2,709)
Balance, beginning of period, adjusted3,518,334 $ 4 $ 1,035,895 3,051,196 $ (552,845)(38,883) $ 3,495,367 $ 22,967
Balance, beginning of period (in shares) at Dec. 31, 201775,148 9,753
Balance, beginning of period at Dec. 31, 20173,518,334 $ 4 1,035,895 3,048,487 $ (552,845)(36,174)3,495,367 22,967
Net income105,347 105,562 105,562 (215)
Other comprehensive income (loss)(72,308)(72,308)(72,308)
Repurchase of common stock (in shares)83
Repurchase of common stock(7,584) $ (7,584)(7,584)
Stock options exercised (in shares)43
Stock options exercised2,274 2,274 2,274
Non-vested shares awarded, net (in shares)127
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net0
Vesting of non-vested shares (in shares)23
Vesting of non-vested shares(2,172) $ (2,172)(2,172)
Share-based compensation3,073 3,073 3,073
Cash dividends on common stock(29,183)(29,183)(29,183)
Capital calls and distributions, net(439)(439)
Balance, end of period (in shares) at Mar. 31, 201875,318 9,859
Balance, end of period at Mar. 31, 20183,517,342 $ 4 1,041,242 3,127,575 $ (562,601)(111,191)3,495,029 22,313
Transition adjustment for new accounting principle in period of adoption2,862 2,862 0 2,862
Balance, beginning of period, adjusted4,445,907 $ 5 1,334,030 3,372,516 $ (198,995)(72,585)4,434,971 10,936
Balance, beginning of period (in shares) at Dec. 31, 201875,711 3,589
Balance, beginning of period at Dec. 31, 20184,443,045 $ 5 1,334,030 3,369,654 $ (198,995)(72,585)4,432,109 10,936
Net income110,265 110,612 110,612 (347)
Other comprehensive income (loss)69,054 69,054 69,054
Repurchase of common stock (in shares)705
Repurchase of common stock(60,577) $ (60,577)(60,577)
Stock options exercised (in shares)18
Stock options exercised879 879 879
Non-vested shares awarded, net (in shares)33
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net0
Vesting of non-vested shares (in shares)18
Vesting of non-vested shares(1,428) $ (1,428)(1,428)
Share-based compensation5,414 5,414 5,414
Cash dividends on common stock(36,052)(36,052)(36,052)
Capital calls and distributions, net(1,753)(1,753)
Balance, end of period (in shares) at Mar. 31, 201975,762 4,312
Balance, end of period at Mar. 31, 2019 $ 4,531,709 $ 5 $ 1,340,323 $ 3,447,076 $ (261,000) $ (3,531) $ 4,522,873 $ 8,836

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Cash Flows From Operating Activities: [Abstract]
Net income $ 110,265 $ 105,347
Adjustments to reconcile net income to net cash used in operating activities:
Provision for credit losses8,000 (5,000)
Change in fair value of mortgage servicing rights due to market changes20,666 (21,206)
Change in the fair value of mortgage servicing rights due to principal payments6,583 7,995
Net unrealized losses (gains) from derivative contracts695 2,222
Share-based compensation5,414 3,073
Depreciation and amortization19,412 13,561
Net amortization of securities discounts and premiums4,339 6,555
Net losses (gains) on financial instruments and other losses (gains), net1,872 5,593
Net gain on mortgage loans held for sale(5,640)(7,549)
Mortgage loans originated for sale(510,527)(664,958)
Proceeds from sale of mortgage loans held for sale507,459 670,598
Capitalized mortgage servicing rights(6,188)(8,900)
Change in trading and fair value option securities(608,232)(588,588)
Change in receivables(682,957)(33,631)
Change in other assets(5,074)(4,349)
Change in accrued interest, taxes and expense(18,220)(8,749)
Change in other liabilities46,147 379,649
Net cash used in operating activities(1,105,986)(148,337)
Cash Flows From Investing Activities: [Abstract]
Proceeds from maturities or redemptions of investment securities23,227 44,031
Proceeds from maturities or redemptions of available for sale securities337,822 412,391
Purchases of available for sale securities663,193 518,361
Proceeds from sales of available for sale securities245,259 44,790
Change in amount receivable on unsettled available for sale securities transactions31,618 72,342
Loans originated, net of principal collected(97,656)(180,381)
Net payments on derivative asset contracts(33,781)(40,537)
Proceeds from disposition of assets70,379 44,620
Purchases of assets(116,692)(59,788)
Net cash used in investing activities(203,017)(180,893)
Cash Flows From Financing Activities: [Abstract]
Net change in demand deposits, transaction deposits and savings accounts(16,970)76,057
Net change in time deposits84,828 67,838
Net change in other borrowed funds1,614,995 544,157
Net proceeds on derivative liability contracts36,250 41,486
Net change in derivative margin accounts(150,722)(24,490)
Change in amount due on unsettled available for sale securities transactions(22,923)(56,774)
Issuance of common and treasury stock, net(549)102
Repurchase of common stock(60,577)(7,584)
Dividends paid(36,052)(29,183)
Net cash provided by financing activities1,448,280 611,609
Net increase in cash and cash equivalents139,277 282,379
Cash and cash equivalents at beginning of period1,143,424 2,317,054
Cash and cash equivalents at end of period1,282,701 2,599,433
Supplemental Cash Flow Information: [Abstract]
Cash paid for interest94,660 47,165
Cash paid for taxes898 1,548
Net loans and bank premises transferred to repossessed real estate and other assets1,032 2,156
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period22,970 19,332
Conveyance of other real estate owned guaranteed by U.S. government agencies $ 8,404 $ 11,817

Significant Accounting Policies

Significant Accounting Policies3 Months Ended
Mar. 31, 2019
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block] Basis of Presentation The accompanying unaudited consolidated financial statements of BOK Financial Corporation (“BOK Financial” or “the Company”) have been prepared in accordance with accounting principles for interim financial information generally accepted in the United States and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOK Financial Securities, Inc., The Milestone Group, Inc. and Cavanal Hill Investment Management Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, BOK Financial in Colorado and Arizona, Mobank, BOK Financial Mortgage and the TransFund electronic funds network. Certain reclassifications have been made to conform to the current period presentation. The financial information should be read in conjunction with BOK Financial’s 2018 Form 10-K filed with the Securities and Exchange Commission, which contains audited financial statements. Amounts presented as of December 31, 2018 have been derived from the audited financial statements included in BOK Financial’s 2018 Form 10-K but do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. Operating results for the three -month period ended March 31, 2019 are not necessarily indicative of the results that may be expected for the year ending December 31, 2019 . Newly Adopted and Pending Accounting Policies Financial Accounting Standards Board (“FASB”) FASB Accounting Standards Update No. 2016-02, Leases (Topic 842) ("ASU 2016-02") On February 25, 2016, the FASB issued ASU 2016-02 to increase transparency and comparability by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. Lessees are required to recognize an obligation for future lease payments measured on a discounted basis and a right-of-use asset. The Company adopted the new standard January 1, 2019 through a cumulative effect adjustment to retained earnings. Prior periods were not restated. BOKF elected to apply all practical expedients other than the lessee’s practical expedient to combine lease and non-lease components which would further gross up lease liability and the related right-of-use asset. The implementation of ASU 2016-02 increased the reported right-of-use asset and lease liability by $137 million . The effect on retained earnings was immaterial. FASB Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Assets Measured at Amortized Cost ("ASU 2016-13") On June 16, 2016, the FASB issued ASU 2016-13 to provide more timely recording of credit losses on loans and other financial assets measured at amortized cost, effective for the Company for annual reporting periods beginning after December 15, 2019, including interim periods within those fiscal years. The Company has established a CECL implementation team to evaluate the impact to the Company's financial statements. The CECL implementation team, overseen by the Chief Credit Officer, Chief Financial Officer, and Chief Risk Officer, has developed a project plan that incorporates input from various departments within the bank including Credit, Financial Reporting, Risk, and Information Technology among others. The Audit Committee and Credit Committee of the Board of Directors is periodically updated on project progress. Key implementation activities for 2019 include model validation and quarterly parallel runs with development of governance, control, and disclosure frameworks. The Company will adopt the standard on January 1, 2020 through a cumulative-effect adjustment to retained earnings. The impact of adoption will depend on the composition of the loan and securities portfolios as well as current and expected economic conditions at that time. FASB Accounting Standards Update No. 2019-01, Leases (Topic 842): Codification Improvements ("ASU 2019-01")

Securities

Securities3 Months Ended
Mar. 31, 2019
Marketable Securities [Abstract]
Securities [Text Block]Securities Trading Securities The fair value and net unrealized gain (loss) included in trading securities are as follows (in thousands): March 31, 2019 December 31, 2018 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) U.S. government agency debentures $ 51,576 $ 52 $ 63,765 $ 254 U.S. government agency residential mortgage-backed securities 1,952,742 12,377 1,791,584 9,966 Municipal and other tax-exempt securities 50,637 225 34,507 (1 ) Asset-backed securities 40,890 128 42,656 685 Other trading securities 44,481 116 24,411 65 Total trading securities $ 2,140,326 $ 12,898 $ 1,956,923 $ 10,969 Investment Securities The amortized cost and fair values of investment securities are as follows (in thousands): March 31, 2019 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal and other tax-exempt $ 126,544 $ 129,072 $ 2,712 $ (184 ) U.S. government agency residential mortgage-backed securities 12,106 12,388 349 (67 ) Other debt securities 192,816 207,028 15,091 (879 ) Total investment securities $ 331,466 $ 348,488 $ 18,152 $ (1,130 ) December 31, 2018 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal and other tax-exempt $ 137,296 $ 138,562 $ 1,858 $ (592 ) U.S. government agency residential mortgage-backed securities 12,612 12,770 293 (135 ) Other debt securities 205,279 215,966 12,257 (1,570 ) Total investment securities $ 355,187 $ 367,298 $ 14,408 $ (2,297 ) The amortized cost and fair values of investment securities at March 31, 2019 , by contractual maturity, are as shown in the following table (dollars in thousands): Less than One Year One to Five Years Six to Ten Years Over Ten Years Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 52,230 $ 105,189 $ 136,731 $ 25,210 $ 319,360 5.23 Fair value 52,406 108,571 149,919 25,204 336,100 Residential mortgage-backed securities: Amortized cost $ 12,106 2 Fair value 12,388 Total investment securities: Amortized cost $ 331,466 Fair value 348,488 1 Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty. 2 The average expected lives of residential mortgage-backed securities were 4.7 years based upon current prepayment assumptions. Available for Sale Securities The amortized cost and fair value of available for sale securities are as follows (in thousands): March 31, 2019 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 1,880 $ 1,878 $ — $ (2 ) Municipal and other tax-exempt 2,365 2,447 82 — Mortgage-backed securities: Residential agency 6,056,710 6,040,086 35,131 (51,755 ) Residential non-agency 33,305 47,958 14,653 — Commercial agency 2,933,046 2,932,357 17,022 (17,711 ) Other debt securities 500 472 — (28 ) Total available for sale securities $ 9,027,806 $ 9,025,198 $ 66,888 $ (69,496 ) December 31, 2018 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 496 $ 493 $ — $ (3 ) Municipal and other tax-exempt 2,782 2,864 82 — Mortgage-backed securities: Residential agency 5,886,323 5,804,708 16,149 (97,764 ) Residential non-agency 40,948 59,736 18,788 — Commercial agency 2,986,297 2,953,889 7,955 (40,363 ) Other debt securities 35,545 35,430 12 (127 ) Total available for sale securities $ 8,952,391 $ 8,857,120 $ 42,986 $ (138,257 ) The amortized cost and fair values of available for sale securities at March 31, 2019 , by contractual maturity, are as shown in the following table (dollars in thousands): Less than One Year One to Five Years Six to Ten Years Over Ten Years Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 94,933 $ 983,438 $ 1,467,481 $ 391,939 $ 2,937,791 7.30 Fair value 94,398 976,737 1,473,499 392,520 2,937,154 Residential mortgage-backed securities: Amortized cost $ 6,090,015 2 Fair value 6,088,044 Total available-for-sale securities: Amortized cost $ 9,027,806 Fair value 9,025,198 1 Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty. 2 The average expected lives of mortgage-backed securities were 4.1 years based upon current prepayment assumptions. Sales of available for sale securities resulted in gains and losses as follows (in thousands): Three Months Ended 2019 2018 Proceeds $ 245,259 $ 44,790 Gross realized gains 5,298 193 Gross realized losses (5,222 ) (483 ) Related federal and state income tax expense (benefit) 19 (74 ) The fair value of debt securities pledged as collateral for repurchase agreements, public trust funds on deposit and for other purposes, as required by law was $10.3 billion at March 31, 2019 and $9.1 billion at December 31, 2018 . The secured parties do not have the right to sell or repledge these securities. Temporarily Impaired Securities as of March 31, 2019 (in thousands): Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Investment: Municipal and other tax-exempt 50 $ 234 $ 1 $ 52,434 $ 183 $ 52,668 $ 184 U.S. government agency residential mortgage-backed securities 2 — — 5,468 67 5,468 67 Other debt securities 30 25 1 16,932 878 16,957 879 Total investment securities 82 $ 259 $ 2 $ 74,834 $ 1,128 $ 75,093 $ 1,130 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for sale: U.S. Treasury 1 $ — $ — $ 495 $ 2 $ 495 $ 2 Mortgage-backed securities: Residential agency 244 300,369 1,016 3,251,359 50,739 3,551,728 51,755 Commercial agency 169 432,254 833 1,590,803 16,878 2,023,057 17,711 Other debt securities 1 — — 472 28 472 28 Total available for sale securities 415 $ 732,623 $ 1,849 $ 4,843,129 $ 67,647 $ 5,575,752 $ 69,496 Temporarily Impaired Securities as of December 31, 2018 (In thousands) Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Investment: Municipal and other tax-exempt 72 $ 18,255 $ 69 $ 66,141 $ 523 $ 84,396 $ 592 U.S. government agency residential mortgage-backed securities 2 — — 5,633 135 5,633 135 Other debt securities 72 13,372 64 23,028 1,506 36,400 1,570 Total investment securities 146 $ 31,627 $ 133 $ 94,802 $ 2,164 $ 126,429 $ 2,297 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for sale: U.S. Treasury 1 $ — $ — $ 493 $ 3 $ 493 $ 3 Mortgage-backed securities: Residential agency 289 510,824 1,158 3,641,370 96,606 4,152,194 97,764 Commercial agency 197 179,258 394 1,969,504 39,969 2,148,762 40,363 Other debt securities 3 9,982 63 20,436 64 30,418 127 Total available for sale securities 490 $ 700,064 $ 1,615 $ 5,631,803 $ 136,642 $ 6,331,867 $ 138,257 Based on evaluations of impaired securities as of March 31, 2019

Derivatives

Derivatives3 Months Ended
Mar. 31, 2019
Derivative Instrument Detail [Abstract]
Derivatives [Text Block]Derivatives Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are reported in earnings as they occur. Credit risk is also considered in determining fair value. Deterioration in the credit rating of customer or other counterparties reduced the fair value of asset contracts. Deterioration of our credit rating could decrease the fair value of our derivative liabilities. When bilateral netting agreements or similar arrangements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract type by counterparty basis. Derivative contracts may require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured. None of these derivative contracts have been designated as hedging instruments for accounting purposes. Customer Risk Management Programs BOK Financial offers programs to permit its customers to manage various risks, including fluctuations in energy, cattle and other agricultural products, interest rates and foreign exchange rates with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by borrowers to modify interest rate terms of their loans or to-be-announced securities used by mortgage banking customers to hedge their loan production. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize the risk of changes in commodity prices, interest rates or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in Other operating revenue – Brokerage and trading revenue in the Consolidated Statements of Earnings. Internal Risk Management Programs BOK Financial may use derivative contracts in managing its interest rate sensitivity, as part of its economic hedge of the change in the fair value of mortgage servicing rights and to mitigate the market risk of holding trading securities. Changes in the fair value of derivative instruments used in managing interest rate sensitivity and as part of the economic hedge of changes in the fair value of mortgage servicing rights are included in Other operating revenue – Gain (loss) on derivatives, net in the Consolidated Statements of Earnings. Changes in the fair value of derivative instruments used to mitigate the market risk of holding trading securities are included in Other operating revenue – Brokerage and trading revenue. As discussed in Note 6 , certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets. See Note 6 for additional discussion of notional, fair value and impact on earnings of these contracts. The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at March 31, 2019 (in thousands): Assets Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 11,338,256 $ 91,727 $ (33,983 ) $ 57,744 $ — $ 57,744 Interest rate swaps 2,047,117 36,602 (8,296 ) 28,306 (593 ) 27,713 Energy contracts 1,501,876 123,485 (84,482 ) 39,003 (10,130 ) 28,873 Agricultural contracts 23,660 2,696 (64 ) 2,632 — 2,632 Foreign exchange contracts 224,741 223,329 — 223,329 — 223,329 Equity option contracts 86,944 3,140 — 3,140 (930 ) 2,210 Total customer risk management programs 15,222,594 480,979 (126,825 ) 354,154 (11,653 ) 342,501 Internal risk management programs 25,928,716 132,974 (116,252 ) 16,722 — 16,722 Total derivative contracts $ 41,151,310 $ 613,953 $ (243,077 ) $ 370,876 $ (11,653 ) $ 359,223 Liabilities Notional¹ Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 11,140,756 $ 89,929 $ (33,983 ) $ 55,946 $ (55,879 ) $ 67 Interest rate swaps 2,047,117 36,644 (8,296 ) 28,348 (14,345 ) 14,003 Energy contracts 1,433,137 119,097 (84,482 ) 34,615 (4,608 ) 30,007 Agricultural contracts 23,636 2,662 (64 ) 2,598 — 2,598 Foreign exchange contracts 219,893 218,400 — 218,400 (414 ) 217,986 Equity option contracts 86,944 3,140 — 3,140 — 3,140 Total customer risk management programs 14,951,483 469,872 (126,825 ) 343,047 (75,246 ) 267,801 Internal risk management programs 27,041,772 151,686 (116,252 ) 35,434 (3,537 ) 31,897 Total derivative contracts $ 41,993,255 $ 621,558 $ (243,077 ) $ 378,481 $ (78,783 ) $ 299,698 1 Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract. The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2018 (in thousands): Assets Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 10,671,151 $ 92,231 $ (26,787 ) $ 65,444 $ — $ 65,444 Interest rate swaps 1,924,131 36,112 (6,688 ) 29,424 (7,934 ) 21,490 Energy contracts 1,472,209 206,418 (60,983 ) 145,435 (106,752 ) 38,683 Agricultural contracts 21,210 842 (201 ) 641 — 641 Foreign exchange contracts 184,990 183,759 — 183,759 — 183,759 Equity option contracts 89,085 2,021 — 2,021 (648 ) 1,373 Total customer risk management programs 14,362,776 521,383 (94,659 ) 426,724 (115,334 ) 311,390 Internal risk management programs 15,909,988 50,410 (40,871 ) 9,539 — 9,539 Total derivative contracts $ 30,272,764 $ 571,793 $ (135,530 ) $ 436,263 $ (115,334 ) $ 320,929 Liabilities Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 10,558,151 $ 90,388 $ (26,787 ) $ 63,601 $ (63,596 ) $ 5 Interest rate swaps 1,924,131 36,288 (6,688 ) 29,600 (4,110 ) 25,490 Energy contracts 1,434,247 202,494 (60,983 ) 141,511 (1,490 ) 140,021 Agricultural contracts 21,214 812 (201 ) 611 — 611 Foreign exchange contracts 177,423 175,922 — 175,922 — 175,922 Equity option contracts 89,085 2,021 — 2,021 — 2,021 Total customer risk management programs 14,204,251 507,925 (94,659 ) 413,266 (69,196 ) 344,070 Internal risk management programs 19,634,642 66,422 (40,871 ) 25,551 (7,315 ) 18,236 Total derivative contracts $ 33,838,893 $ 574,347 $ (135,530 ) $ 438,817 $ (76,511 ) $ 362,306 1 Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract. The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands): Three Months Ended March 31, 2019 March 31, 2018 Brokerage and Trading Revenue Gain (Loss) on Derivatives, Net Brokerage and Trading Revenue Gain (Loss)on Derivatives, Net Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 5,700 $ — $ 6,819 $ — Interest rate swaps 593 — 756 — Energy contracts 226 — 3,140 — Agricultural contracts 4 — 15 — Foreign exchange contracts 154 — 176 — Equity option contracts — — — — Total customer risk management programs 6,677 — 10,906 — Internal risk management programs (7,295 ) 4,667 (1,883 ) (5,685 ) Total derivative contracts $ (618 ) $ 4,667 $ 9,023 $ (5,685 )

Loans and Allowances for Credit

Loans and Allowances for Credit Losses3 Months Ended
Mar. 31, 2019
Loans Receivable, Net [Abstract]
Loans [Text Block]Loans and Allowances for Credit Losses Loans Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows. Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management’s judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower’s financial condition or a sustained period of performance. Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). All TDRs are classified as nonaccruing, excluding loans guaranteed by U.S. government agencies. Modifications generally consist of extension of payment terms or interest rate concessions and may result either voluntarily through negotiations with the borrower or involuntarily through court order. Generally, principal and accrued but unpaid interest is not voluntarily forgiven. Performing loans may be renewed under the current collateral value, debt service ratio and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in other gains (losses), net in the Statements of Earnings. All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a TDR. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral value and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days , based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status. Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff. Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. Guaranteed loans are considered impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. The original principal guarantee remains; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in TDRs in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors. Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk. Portfolio segments of the loan portfolio are as follows (in thousands): March 31, 2019 December 31, 2018 Fixed Rate Variable Rate Non-accrual Total Fixed Rate Variable Rate Non-accrual Total Commercial $ 3,336,747 $ 10,534,870 $ 90,358 $ 13,961,975 $ 2,251,188 $ 11,285,049 $ 99,841 $ 13,636,078 Commercial real estate 1,004,692 3,574,451 21,508 4,600,651 1,477,274 3,265,918 21,621 4,764,813 Residential mortgage 1,777,510 374,701 40,409 2,192,620 1,830,224 358,254 41,555 2,230,033 Personal 160,472 842,960 302 1,003,734 190,687 834,889 230 1,025,806 Total $ 6,279,421 $ 15,326,982 $ 152,577 $ 21,758,980 $ 5,749,373 $ 15,744,110 $ 163,247 $ 21,656,730 Accruing loans past due (90 days) 1 $ 610 $ 1,338 1 Excludes residential mortgage loans guaranteed by agencies of the U.S. government Credit Commitments Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At March 31, 2019 , outstanding commitments totaled $12 billion . Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans. The amount of collateral obtained, if deemed necessary, is based upon management’s credit evaluation of the borrower. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At March 31, 2019 , outstanding standby letters of credit totaled $720 million . Allowances for Credit Losses BOK Financial maintains an allowance for loan losses and an accrual for off-balance sheet credit risk. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees. As discussed in greater detail in Note 6 , the Company also has separate accruals for off-balance sheet credit risk related to residential mortgage loans previously sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representations and warranties. The appropriateness of the allowance for loan losses and accrual for off-balance sheet credit losses (collectively "allowance for credit losses") is assessed by management based on an ongoing quarterly evaluation of the probable estimated losses inherent in the portfolio, including probable losses on both outstanding loans and unused commitments. The allowance for loan losses consists of specific allowances attributed to impaired loans that have not yet been charged down to amounts we expect to recover, general allowances for unimpaired loans based on estimated loss rates by loan class and nonspecific allowances based on general economic conditions, risk concentration and related factors. There have been no material changes in the approach or techniques utilized in developing the allowance for loan losses and the accrual for off-balance sheet credit losses for the three months ended March 31, 2019 . Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements. Internally risk graded loans are evaluated individually for impairment. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on evaluation of the borrowers' ability to repay. Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded. Non-risk graded loans are identified as impaired based on performance status. Generally, non-risk graded loans 90 days or more past due or modified in a TDR or in bankruptcy are considered to be impaired. Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans’ initial effective interest rate or the fair value of collateral for certain collateral dependent loans. Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs. Appraised values are on an "as-is" basis and are generally not adjusted by the Company. Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined. Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows under current market conditions. Collateral values and available cash resources that support impaired loans are evaluated quarterly. Historical statistics may be used as a practical way to estimate impairment in limited situations, such as when a collateral dependent loan is identified as impaired at the end of a reporting period, until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed. Estimates of future cash flows and collateral values require significant judgments and may be volatile. General allowances for unimpaired loans are based on estimated loss rates by loan class. The gross loss rate for each loan class is determined by the greater of the current gross loss rate based on the most recent twelve months or a ten-year gross loss rate. Recoveries are not directly considered in the estimation of loss rates. Recoveries generally do not follow predictable patterns and are not received until well after the charge-off date as a result of protracted legal actions. For risk graded loans, gross loss rates are adjusted for changes in risk grading. For each loan class, the current weighted average risk grade is compared to the long-term average risk grade. This comparison determines whether credit risk in each loan class is increasing or decreasing. Loss rates are adjusted upward or downward in proportion to changes in average risk grading. General allowances for unimpaired loans also consider inherent risks identified for each loan class. Inherent risks consider loss rates that most appropriately represent the current credit cycle and other factors attributable to specific loan classes which have not yet been represented in the gross loss rates or risk grading. These factors include changes in commodity prices or engineering imprecision, which may affect the value of reserves that secure our energy loan portfolio, construction risk that may affect commercial real estate loans, changes in regulations and public policy that may disproportionately impact health care loans and changes in loan products. Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or loan class. These factors include trends in the economy of our primary lending areas, concentrations in large balance loans and other relevant factors. An accrual for off-balance sheet credit losses is included in Other liabilities in the Consolidated Balance Sheets. The appropriateness of this accrual is determined in the same manner as the allowance for loan losses. A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate allowance for credit losses. Recoveries of loans previously charged off are added to the allowance when received. The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2019 is summarized as follows (in thousands): Commercial Commercial Real Estate Residential Mortgage Personal Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 102,226 $ 60,026 $ 17,964 $ 9,473 $ 17,768 $ 207,457 Provision for loan losses 11,108 (2,004 ) (2,408 ) (137 ) 1,410 7,969 Loans charged off (10,468 ) — (42 ) (1,265 ) — (11,775 ) Recoveries 711 112 154 712 — 1,689 Ending balance $ 103,577 $ 58,134 $ 15,668 $ 8,783 $ 19,178 $ 205,340 Allowance for off-balance sheet credit losses: Beginning balance $ 1,655 $ 52 $ 52 $ 31 $ — $ 1,790 Provision for off-balance sheet credit losses 70 (4 ) (5 ) (30 ) — 31 Ending balance $ 1,725 $ 48 $ 47 $ 1 $ — $ 1,821 Total provision for credit losses $ 11,178 $ (2,008 ) $ (2,413 ) $ (167 ) $ 1,410 $ 8,000 The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2018 is summarized as follows (in thousands): Commercial Commercial Real Estate Residential Mortgage Personal Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 124,269 $ 56,621 $ 18,451 $ 9,124 $ 22,217 $ 230,682 Provision for loan losses (3,111 ) 266 (162 ) (152 ) (2,242 ) (5,401 ) Loans charged off (1,563 ) — (100 ) (1,227 ) — (2,890 ) Recoveries 488 183 242 663 — 1,576 Ending balance $ 120,083 $ 57,070 $ 18,431 $ 8,408 $ 19,975 $ 223,967 Allowance for off-balance sheet credit losses: Beginning balance $ 3,644 $ 45 $ 43 $ 2 $ — $ 3,734 Provision for off-balance sheet credit losses 383 (1 ) 19 — — 401 Ending balance $ 4,027 $ 44 $ 62 $ 2 $ — $ 4,135 Total provision for credit losses $ (2,728 ) $ 265 $ (143 ) $ (152 ) $ (2,242 ) $ (5,000 ) The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2019 is as follows (in thousands): Collectively Measured for Impairment Individually Measured for Impairment Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,871,617 $ 100,034 $ 90,358 $ 3,543 $ 13,961,975 $ 103,577 Commercial real estate 4,579,143 58,134 21,508 — 4,600,651 58,134 Residential mortgage 2,152,211 15,668 40,409 — 2,192,620 15,668 Personal 1,003,432 8,783 302 — 1,003,734 8,783 Total 21,606,403 182,619 152,577 3,543 21,758,980 186,162 Nonspecific allowance — — — — — 19,178 Total $ 21,606,403 $ 182,619 $ 152,577 $ 3,543 $ 21,758,980 $ 205,340 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2018 is as follows (in thousands): Collectively Measured for Impairment Individually Measured for Impairment Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,536,237 $ 93,494 $ 99,841 $ 8,732 $ 13,636,078 $ 102,226 Commercial real estate 4,743,192 60,026 21,621 — 4,764,813 60,026 Residential mortgage 2,188,478 17,964 41,555 — 2,230,033 17,964 Personal 1,025,576 9,473 230 — 1,025,806 9,473 Total 21,493,483 180,957 163,247 8,732 21,656,730 189,689 Nonspecific allowance — — — — — 17,768 Total $ 21,493,483 $ 180,957 $ 163,247 $ 8,732 $ 21,656,730 $ 207,457 Credit Quality Indicators The Company utilizes loan class and risk grading as primary credit quality indicators. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most residential mortgage and consumer loans are small, homogeneous pools that are not risk graded. The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2019 is as follows (in thousands): Internally Risk Graded Non-Graded Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,931,425 $ 102,646 $ 30,550 $ 931 $ 13,961,975 $ 103,577 Commercial real estate 4,600,651 58,134 — — 4,600,651 58,134 Residential mortgage 275,875 3,176 1,916,745 12,492 2,192,620 15,668 Personal 912,343 6,627 91,391 2,156 1,003,734 8,783 Total 19,720,294 170,583 2,038,686 15,579 21,758,980 186,162 Nonspecific allowance — — — — — 19,178 Total $ 19,720,294 $ 170,583 $ 2,038,686 $ 15,579 $ 21,758,980 $ 205,340 The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2018 is as follows (in thousands): Internally Risk Graded Non-Graded Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,586,654 $ 101,303 $ 49,424 $ 923 $ 13,636,078 $ 102,226 Commercial real estate 4,764,813 60,026 — — 4,764,813 60,026 Residential mortgage 505,046 3,310 1,724,987 14,654 2,230,033 17,964 Personal 948,890 6,633 76,916 2,840 1,025,806 9,473 Total 19,805,403 171,272 1,851,327 18,417 21,656,730 189,689 Nonspecific allowance — — — — — 17,768 Total $ 19,805,403 $ 171,272 $ 1,851,327 $ 18,417 $ 21,656,730 $ 207,457 Loans are considered to be performing if they are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers' ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of “pass.” Performing loans also include past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors' programs. Other loans especially mentioned are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. The risk grading process identified certain loans that have a well-defined weakness (e.g. inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for “substandard.” Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans were not placed in nonaccruing status. Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This is substantially the same criteria used to determine whether a loan is impaired and includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines. The following table summarizes the Company’s loan portfolio at March 31, 2019 by the risk grade categories (in thousands): Internally Risk Graded Non-Graded Performing Pass Other Loans Especially Mentioned Accruing Substandard Nonaccrual Performing Nonaccrual Total Commercial: Energy $ 3,549,167 $ 39,285 $ 81,315 $ 35,332 $ — $ — $ 3,705,099 Services 3,189,490 60,361 28,157 9,555 — — 3,287,563 Wholesale/retail 1,675,248 21,100 9,127 1,425 — — 1,706,900 Manufacturing 677,497 34,033 21,296 9,548 — — 742,374 Healthcare 2,869,515 13,748 13,854 18,768 — — 2,915,885 Public finance 803,083 — — — — — 803,083 Other commercial and industrial 744,082 3,190 7,580 15,669 30,489 61 801,071 Total commercial 13,508,082 171,717 161,329 90,297 30,489 61 13,961,975 Commercial real estate: Residential construction and land development 149,336 — — 350 — — 149,686 Retail 857,698 11,549 1,279 20,159 — — 890,685 Office 1,024,892 4,219 3,192 855 — — 1,033,158 Multifamily 1,203,220 7,136 2 — — — 1,210,358 Industrial 767,757 — — — — — 767,757 Other commercial real estate 546,942 1,071 850 144 — — 549,007 Total commercial real estate 4,549,845 23,975 5,323 21,508 — — 4,600,651 Residential mortgage: Permanent mortgage 272,741 — 2,225 909 800,578 22,028 1,098,481 Permanent mortgages guaranteed by U.S. government agencies — — — — 186,362 6,946 193,308 Home equity — — — — 890,305 10,526 900,831 Total residential mortgage 272,741 — 2,225 909 1,877,245 39,500 2,192,620 Personal 912,187 47 33 76 91,165 226 1,003,734 Total $ 19,242,855 $ 195,739 $ 168,910 $ 112,790 $ 1,998,899 $ 39,787 $ 21,758,980 The following table summarizes the Company’s loan portfolio at December 31, 2018 by the risk grade categories (in thousands): Internally Risk Graded Non-Graded Performing Pass Other Loans Especially Mentioned Accruing Substandard Nonaccrual Performing Nonaccrual Total Commercial: Energy $ 3,414,039 $ 42,176 $ 86,624 $ 47,494 $ — $ — $ 3,590,333 Services 3,167,203 49,761 32,661 8,567 — — 3,258,192 Wholesale/retail 1,593,902 18,809 7,131 1,316 — — 1,621,158 Manufacturing 668,438 30,934 22,230 8,919 — — 730,521 Healthcare 2,730,121 14,920 37,698 16,538 — — 2,799,277 Public finance 804,550 — — — — — 804,550 Other commercial and industrial 756,815 1,266 7,588 16,954 49,371 53 832,047 Total commercial 13,135,068 157,866 193,932 99,788 49,371 53 13,636,078 Commercial real estate: Residential construction and land development 148,234 — — 350 — — 148,584 Retail 885,588 11,926 1,289 20,279 — — 919,082 Office 1,059,334 10,532 3,054 — — — 1,072,920 Multifamily 1,287,471 281 12 301 — — 1,288,065 Industrial 776,898 — 1,208 — — — 778,106 Other commercial real estate 555,301 1,188 876 691 — — 558,056 Total commercial real estate 4,712,826 23,927 6,439 21,621 — — 4,764,813 Residential mortgage: Permanent mortgage 269,678 52 9,730 1,991 819,199 21,960 1,122,610 Permanent mortgages guaranteed by U.S. government agencies — — — — 183,734 7,132 190,866 Home equity 223,298 — 296 — 682,491 10,472 916,557 Total residential mortgage 492,976 52 10,026 1,991 1,685,424 39,564 2,230,033 Personal 944,256 115 4,443 76 76,762 154 1,025,806 Total $ 19,285,126 $ 181,960 $ 214,840 $ 123,476 $ 1,811,557 $ 39,771 $ 21,656,730 Impaired Loans Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This generally includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools. A summary of impaired loans at March 31, 2019 follows (in thousands): As of For the March 31, 2019 Three Months Ended Recorded Investment March 31, 2019 Unpaid Principal Balance Total With No With Allowance Related Allowance Average Recorded Interest Income Recognized Commercial: Energy $ 72,615 $ 35,332 $ 31,332 $ 4,000 $ 675 $ 45,627 $ — Services 13,744 9,555 9,529 26 26 7,378 — Wholesale/retail 1,642 1,425 1,142 283 101 1,047 — Manufacturing 1 9,697 9,548 9,307 241 241 8,851 — Healthcare 30,189 18,768 15,270 3,498 2,500 14,926 — Public finance — — — — — — — Other commercial and industrial 25,899 15,730 15,730 — — 16,215 — Total commercial 153,786 90,358 82,310 8,048 3,543 94,044 — Commercial real estate: Residential construction and land development 1,306 350 350 — — 350 — Retail 20,491 20,159 20,159 — — 20,219 — Office 855 855 855 — — 427 — Multifamily — — — — — 151 — Industrial — — — — — — — Other commercial real estate 305 144 144 — — 418 — Total commercial real estate 22,957 21,508 21,508 — — 21,565 — Residential mortgage: Permanent mortgage 27,658 22,937 22,937 — — 23,444 298 Permanent mortgage guaranteed by U.S. government agencies 2 198,882 193,308 193,308 — — 196,407 1,905 Home equity 12,279 10,526 10,526 — — 10,499 — Total residential mortgage 238,819 226,771 226,771 — — 230,350 2,203 Personal 358 302 302 — — 266 — Total $ 415,920 $ 338,939 $ 330,891 $ 8,048 $ 3,543 $ 346,225 $ 2,203 1 Impaired manufacturing sector loans included $4.7 million of loans from an affiliated entity, with no allowance as the fair value of the collateral exceeded the outstanding principal balance at March 31, 2019 . 2 All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2019 , the majority were accruing based on the guarantee by U.S. government agencies. Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered. A summary of impaired loans at December 31, 2018 follows (in thousands): Recorded Investment Unpaid Principal Balance Total With No Allowance With Allowance Related Allowance Commercial: Energy $ 79,675 $ 47,494 $ 18,639 $ 28,855 $ 5,362 Services 13,437 8,567 8,489 78 74 Wholesale/retail 1,722 1,316 1,015 301 101 Manufacturing 10,055 8,919 8,673 246 246 Healthcare 24,319 16,538 10,563 5,975 2,949 Public finance — — — — — Other commercial and industrial 26,955 17,007 17,007 — — Total commercial 156,163 99,841 64,386 35,455 8,732 Commercial real estate: Residential construction and land development 1,306 350 350 — — Retail 27,680 20,279 20,279 — — Office — — — — — Multifamily 301 301 301 — — Industrial — — — — — Other commercial real estate 851 691 691 — — Total commercial real estate 30,138 21,621 21,621 — — Residential mortgage: Permanent mortgage 28,716 23,951 23,951 — — Permanent mortgage guaranteed by U.S. government agencies 1 196,296 190,866 190,866 — — Home equity 12,196 10,472 10,472 — — Total residential mortgage 237,208 225,289 225,289 — — Personal 278 230 230 — — Total $ 423,787 $ 346,981 $ 311,526 $ 35,455 $ 8,732 1 All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2018 , the majority were accruing based on the guarantee by U.S. government agencies. Troubled Debt Restructurings At March 31, 2019 the Company had $159 million in troubled debt restructurings (TDRs), of which $92 million were accruing residential mortgage loans guaranteed by U.S. government agencies. Approximately $81 million of TDRs were performing in accordance with the modified terms. At December 31, 2018 , the Company had $166 million in TDRs, of which $86 million were accruing residential mortgage loans guaranteed by U.S. government agencies. Approximately $71 million of TDRs were performing in accordance with the modified terms. TDRs generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. During the three months ended March 31, 2019 , $18 million of loans were restructured. During the three months ended March 31, 2018 , $37 million of loans were restructured. Nonaccrual & Past Due Loans Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans. A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2019 is as follows (in thousands): Past Due Current 30 to 59 Days 60 to 89 Days 90 Days or More Nonaccrual Total Commercial: Energy $ 3,669,767 $ — $ — $ — $ 35,332 $ 3,705,099 Services 3,257,230 20,214 442 122 9,555 3,287,563 Wholesale/retail 1,704,415 833 227 — 1,425 1,706,900 Manufacturing 732,644 182 — — 9,548 742,374 Healthcare 2,888,579 7,837 701 — 18,768 2,915,885 Public finance 803,083 — — — — 803,083 Other commercial and industrial 782,507 2,695 — 139 15,730 801,071 Total commercial 13,838,225 31,761 1,370 261 90,358 13,961,975 Commercial real estate: Residential construction and land development 143,184 6,152 — — 350 149,686 Retail 870,526 — — — 20,159 890,685 Office 1,032,239 — 64 — 855 1,033,158 Multifamily 1,209,726 283 — 349 — 1,210,358 Industrial 767,757 — — — — 767,757 Other commercial real estate 547,563 1,187 113 — 144 549,007 Total commercial real estate 4,570,995 7,622 177 349 21,508 4,600,651 Residential mortgage: Permanent mortgage 1,070,150 5,394 — — 22,937 1,098,481 Permanent mortgages guaranteed by U.S. government agencies 47,639 38,748 — 99,975 6,946 193,308 Home equity 886,019 4,118 168 — 10,526 900,831 Total residential mortgage 2,003,808 48,260 168 99,975 40,409 2,192,620 Personal 1,003,069 347 16 — 302 1,003,734 Total $ 21,416,097 $ 87,990 $ 1,731 $ 100,585 $ 152,577 $ 21,758,980 A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2018 is as follows (in thousands): Past Due Current 30 to 59 Days 60 to 89 Days 90 Days or More Nonaccrual Total Commercial: Energy $ 3,542,839 $ — $ — $ — $ 47,494 $ 3,590,333 Services 3,237,578 6,009 6,038 — 8,567 3,258,192 Wholesale/retail 1,619,290 515 37 — 1,316 1,621,158 Manufacturing 721,204 392 6 — 8,919 730,521 Healthcare 2,781,944 241 — 554 16,538 2,799,277 Public finance 804,550 — — — — 804,550 Other commercial and industrial 814,489 518 25 8 17,007 832,047 Total commercial 13,521,894 7,675 6,106 562 99,841 13,636,078 Commercial real estate: Residential construction and land development 147,705 249 280 — 350 148,584 Retail 884,424 14,379 — — 20,279 919,082 Office 1,072,920 — — — — 1,072,920 Multifamily 1,287,483 281 — — 301 1,288,065 Industrial 776,898 1,208 — — — 778,106 Other commercial real estate 556,239 412 — 714 691 558,056 Total commercial real estate 4,725,669 16,529 280 714 21,621 4,764,813 Residential mortgage: Permanent mortgage 1,095,097 3,196 366 — 23,951 1,122,610 Permanent mortgages guaranteed by U.S. government agencies 37,459 24,369 16,345 105,561 7,132 190,866 Home equity 904,572 1,102 352 59 10,472 916,557 Total residential mortgage 2,037,128 28,667 17,063 105,620 41,555 2,230,033 Personal 1,024,298 479 796 3 230 1,025,806 Total $ 21,308,989 $ 53,350 $ 24,245 $ 106,899 $ 163,247 $ 21,656,730

Leasing Leasing

Leasing Leasing3 Months Ended
Mar. 31, 2019
Leases [Abstract]
Leases of Lessee Disclosure [Text Block]Leasing Effective January 1, 2019, premises and equipment included right-of-use assets for leased office space and facilities. Leases are at market rates at inception and may contain escalations based on consumer price index or similar benchmarks and options to renew at then market rates. Renewal options, variable lease payments and residual value guarantees are included in the measurement of right-of-use assets when certain conditions are met. Lease component cash flows are discounted at the applicable FHLB advance rate. Right-of-use assets initially recognized in the first quarter of 2019 were $137 million . The following represents a summary of operating lease activities (dollars in thousands): March 31, 2019 Operating lease cost recognized as occupancy and equipment expense $ 6,419 Operating cash flows from operating leases 5,914 Weighted-average remaining lease term 10.1 years Weighted-average discount rate operating leases 3.50 % At March 31, 2019 , un-discounted operating lease liabilities are scheduled to mature as follows: $30.2 million in 2019, $28.4 million in 2020, $25.1 million in 2021, $17.7 million in 2022, $15.3 million in 2023 and $97.6 million thereafter. Operating expense and short term lease costs total $2.4 million for the three months ended March 31, 2019.

Mortgage Banking Activities

Mortgage Banking Activities3 Months Ended
Mar. 31, 2019
Mortgage Banking [Abstract]
Mortgage Banking Activities [Text Block]Mortgage Banking Activities Residential Mortgage Loan Production The Company originates, markets and services conventional and government-sponsored residential mortgage loans. Generally, conforming fixed rate residential mortgage loans are held for sale in the secondary market and non-conforming and adjustable-rate residential mortgage loans are retained for investment. Residential mortgage loans originated for sale by the Company are carried at fair value based on sales commitments and market quotes. Changes in the fair value of mortgage loans held for sale are included in Other operating revenue – Mortgage banking revenue. Residential mortgage loans held for sale also includes the fair value of residential mortgage loan commitments and forward sales commitments, which are considered derivative contracts that have not been designated as hedging instruments for accounting purposes. The volume of mortgage loans originated for sale and secondary market prices are the primary drivers of originating and marketing revenue. Residential mortgage loan commitments are generally outstanding for 60 to 90 days, which represents the typical period from commitment to originate a residential mortgage loan to when the closed loan is sold to an investor. Residential mortgage loan commitments are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales of residential mortgage-backed securities and forward sales contracts. These latter contracts set the price for loans that will be delivered in the next 60 to 90 days. The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loan commitments and forward contract sales and their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands): March 31, 2019 December 31, 2018 Unpaid Principal Balance/ Notional Fair Value Unpaid Principal Balance/ Notional Fair Value Residential mortgage loans held for sale $ 153,818 $ 155,679 $ 145,057 $ 146,971 Residential mortgage loan commitments 263,434 8,091 160,848 5,378 Forward sales contracts 376,411 (3,613 ) 274,000 (3,128 ) $ 160,157 $ 149,221 No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of March 31, 2019 or December 31, 2018 . No credit losses were recognized on residential mortgage loans held for sale for the three month period ended March 31, 2019 and 2018 . Mortgage banking revenue was as follows (in thousands): Three Months Ended 2019 2018 Production revenue: Net realized gains on sale of mortgage loans $ 5,693 $ 8,918 Net change in unrealized gain on mortgage loans held for sale (53 ) (1,369 ) Net change in the fair value of mortgage loan commitments 2,713 2,074 Net change in the fair value of forward sales contracts (485 ) (171 ) Total production revenue 7,868 9,452 Servicing revenue 15,966 16,573 Total mortgage banking revenue $ 23,834 $ 26,025 Production revenue includes gain (loss) on residential mortgage loans held for sale and changes in the fair value of derivative contracts not designated as hedging instruments for accounting purposes related to residential mortgage loan commitments and forward sales contracts. Servicing revenue includes servicing fee income and late charges on loans serviced for others. Residential Mortgage Servicing Mortgage servicing rights may be originated or purchased. Both originated and purchased mortgage servicing rights are initially recognized at fair value. The Company has elected to carry all mortgage servicing rights at fair value. Changes in the fair value are recognized in earnings as they occur. The unpaid principal balance of loans serviced for others is the primary driver of servicing revenue. The following represents a summary of mortgage servicing rights (dollars in thousands): March 31, 2019 December 31, 2018 Number of residential mortgage loans serviced for others 131,636,000 132,463,000 Outstanding principal balance of residential mortgage loans serviced for others $ 21,544,295 $ 21,658,335 Weighted average interest rate 4.00 % 3.99 % Remaining term (in months) 292 293 The following represents activity in capitalized mortgage servicing rights (in thousands): Three Months Ended 2019 2018 Beginning Balance $ 259,254 $ 252,867 Additions, net 6,188 8,900 Change in fair value due to principal payments (6,583 ) (7,995 ) Change in fair value due to market assumption changes (20,666 ) 21,206 Ending Balance $ 238,193 $ 274,978 Changes in the fair value of mortgage servicing rights due to market assumption changes are included in Other operating revenue in the Consolidated Statements of Earnings. Changes in fair value due to principal payments are included in Mortgage banking costs. Mortgage servicing rights are not traded in active markets. Fair value is determined by discounting the projected net cash flows. Significant market assumptions used to determine fair value based on significant unobservable inputs were as follows: March 31, 2019 December 31, 2018 Discount rate – risk-free rate plus a market premium 9.83% 9.90% Prepayment rate - based upon loan interest rate, original term and loan type 8.14% - 16.02% 8.05% - 15.74% Loan servicing costs – annually per loan based upon loan type: Performing loans $68 - $94 $67 - $93 Delinquent loans $150 - $500 $150 - $500 Loans in foreclosure $1,000 - $4,000 $1,000 - $4,000 Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life 2.29% 2.57% Primary/secondary mortgage rate spread 105 bps 105 bps

Commitments and Contingent Liab

Commitments and Contingent Liabilities3 Months Ended
Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities [Text Block]Commitments and Contingent Liabilities Litigation Contingencies On June 24, 2015, BOKF, NA received a complaint alleging that an employee had colluded with a bond issuer and an individual in misusing revenues pledged to municipal bonds for which BOKF, NA served as trustee under the bond indenture. The Company conducted an investigation and concluded that employees in one of its Corporate Trust offices had, with respect to a single group of affiliated bond issuances, violated Company policies and procedures by waiving financial covenants, granting forbearances and accepting without disclosure to the bondholders, debt service payments from sources other than pledged revenues. The relationship manager was terminated. The Company reported the circumstances to, and cooperated with an investigation by, the Securities and Exchange Commission ("SEC"). On December 28, 2015, in an action brought by the SEC, the United States District Court for the District of New Jersey entered a judgment against the principals involved in issuing the bonds, precluding the principals from denying the alleged violations of the federal securities laws and requiring the principals to pay all outstanding principal, accrued interest, and other amounts required under the bond documents (now estimated to be approximately $40 million , less the value of the facilities securing repayment of the bonds), subject to oversight by a court appointed monitor. The obligation of the principal to pay all principal and interest on the bonds is non-dischargeable in bankruptcy. On September 7, 2016, BOKF, NA agreed, and the SEC entered, a consent order finding that BOKF, NA had violated Section 17(a) of the Securities Act of 1933 and Section 10(b) of the Securities Exchange Act and requiring BOKF, NA to disgorge $1,067,721 of fees and pay a civil penalty of $600,000 . BOKF, NA disgorged the fees and paid the penalty. On August 26, 2016, BOKF, NA was sued in the United States District Court for New Jersey by two bondholders in a putative class action on behalf of all holders of the bonds alleging BOKF, NA participated in the fraudulent sale of securities by the principals. On September 14, 2016, BOKF, NA was sued in the District Court of Tulsa County, Oklahoma by 19 bondholders alleging BOKF, NA participated in the fraudulent sale of securities by the principals. Two separate small groups of bondholders have filed arbitration complaints with the Financial Institutions Regulatory Association respecting the bonds and other bonds for which BOKF, NA served as indenture trustee. Management has been advised by counsel that BOKF, NA has valid defenses to the claims. The time by which the principal must perform the Court ordered payment plan currently expires on June 20, 2019. BOKF, NA expects the Court ordered payment plan to be continued from time to time until the principals complete the payment of the bonds, though there is no assurance that it will be. No loss is probable at this time and no provision for loss has been made. If the payment plan does not result in payment of the bonds, a loss could become probable. A reasonable estimate cannot be made at this time though the amount could be material to the Company. On March 5, 2018, BOKF, NA was sued in the Fulton, Georgia County District Court by the administratrix of a deceased resident who had sued for and obtained a judgment for wrongful death against one of the operators of a nursing home financed by one of the bonds which are the subject of the litigation discussed above. The judgment is alleged to total approximately $8 million in principal and interest at this time. Plaintiff alleges that BOKF, in its capacity as indenture trustee for the bonds, colluded with the borrower and others to defraud creditors of the nursing home by misleading the public about the solvency of the nursing home. Plaintiff alleges that this conduct has prevented her from collecting on her judgment. BOKF, NA is advised by counsel that BOKF, NA has valid defenses to the plaintiffs’ claims and no loss is probable. On March 14, 2017, BOKF, NA was sued in the United States District Court for the Northern District of Oklahoma by bondholders in a second putative class action representing a different set of municipal securities. The bondholders in this second action allege two individuals purchased facilities from the principals who are the subject of the SEC New Jersey proceedings by means of the fraudulent sale of $60 million of municipal securities for which BOKF, NA also served as indenture trustee. The bondholders allege BOKF, NA failed to disclose that the seller of the purchased facilities had engaged in the conduct complained of in the New Jersey action. BOKF, NA properly performed all duties as indenture trustee of this second set of municipal securities, timely commenced proceedings against the issuer of the securities when default occurred, is cooperating with the SEC in actions against the two principals, is not a target of the SEC proceedings, and has been advised by counsel that BOKF, NA has valid defenses to the claims of these bondholders. Management is advised by counsel that a loss is not probable and that the loss, if any, cannot be reasonably estimated. On March 7, 2017, a plaintiff filed a putative class action in the United States District Court for the Northern District of Texas alleging an extended overdraft fee charged by BOKF, NA is interest and exceeds permitted rates. This action makes the same allegations as a putative class action that was dismissed by the United States District Court for the Northern District of Oklahoma on October 19, 2015. On August 22, 2018, a plaintiff filed a second putative class action in the United States District Court for New Mexico making the same allegations as the Texas action. On September 18, 2018, the District Court dismissed the Texas action. Management is advised by counsel that a loss is not probable in the New Mexico action or the Texas action and that the loss, if any, cannot be reasonably estimated. On July 6, 2018, a plaintiff served a petition in a putative class action in the Oklahoma District Court for Tulsa County Oklahoma alleging BOKF NA breached its Demand Deposit Agreements by charging overdraft and not sufficient funds fees to deposit accounts on the day of the transaction triggering the fee and by the bank's debit hold process causing overdraft fees. Management is advised by counsel that a loss is not probable and that the loss, if any, cannot be reasonably estimated. In the ordinary course of business, BOK Financial and its subsidiaries are subject to legal actions and complaints. Management believes, based upon the opinion of counsel, that the actions and liability or loss, if any, resulting from the final outcomes of the proceedings, will not have a material effect on the Company’s financial condition, results of operations or cash flows. Alternative Investment Commitments The Company sponsors two private equity funds and invests in several tax credit entities and other funds as permitted by banking regulations. Consolidation of these investments is based on the variable interest model. At March 31, 2019 , the Company has $232 million in interests in various alternative investments generally consisting of unconsolidated limited partnership interests in entities for which investment return is in the form of low income housing tax credits or other investments in merchant banking activities. This investment balance also includes $67 million of unfunded commitments included in Other liabilities on the Consolidated Balance Sheets.

Shareholders' Equity

Shareholders' Equity3 Months Ended
Mar. 31, 2019
Stockholders' Equity Note [Abstract]
Shareholders' Equity [Text Block]Shareholders' Equity On April 30, 2019 , the Company declared a quarterly cash dividend of $0.50 per common share payable on or about May 28, 2019 to shareholders of record as of May 13, 2019 . Dividends declared were $0.50 per share during the three months ended March 31, 2019 and $0.45 per share during the three months ended March 31, 2018 . Accumulated Other Comprehensive Income (Loss) AOCI includes unrealized gains and losses on available for sale ("AFS") securities and non-credit related unrealized losses on AFS securities for which an other-than-temporary impairment has been recorded in earnings. Unrealized losses on employee benefit plans will be reclassified into income as pension plan costs are recognized over the remaining service period of plan participants. Gains and losses in AOCI are net of deferred income taxes. A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands): Unrealized Gain (Loss) on Available for Sale Securities Employee Benefit Plans Total Balance, December 31, 2017 $ (35,385 ) $ (789 ) $ (36,174 ) Transition adjustment for net unrealized gains on equity securities (2,709 ) — (2,709 ) Net change in unrealized gain (loss) (97,406 ) — (97,406 ) Reclassification adjustments included in earnings: Loss on available for sale securities, net 290 — 290 Other comprehensive income (loss), before income taxes (97,116 ) — (97,116 ) Federal and state income taxes 1 (24,808 ) — (24,808 ) Other comprehensive income (loss), net of income taxes (72,308 ) — (72,308 ) Balance, March 31, 2018 $ (110,402 ) $ (789 ) $ (111,191 ) Balance, December 31, 2018 $ (70,999 ) $ (1,586 ) $ (72,585 ) Net change in unrealized gain (loss) 92,739 — 92,739 Reclassification adjustments included in earnings: Gain on available for sale securities, net (76 ) — (76 ) Other comprehensive income (loss), before income taxes 92,663 — 92,663 Federal and state income taxes 1 23,609 — 23,609 Other comprehensive income (loss), net of income taxes 69,054 — 69,054 Balance, March 31, 2019 $ (1,945 ) $ (1,586 ) $ (3,531 ) 1

Earnings Per Share

Earnings Per Share3 Months Ended
Mar. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]Earnings Per Share (In thousands, except share and per share amounts) Three Months Ended 2019 2018 Numerator: Net income attributable to BOK Financial Corp. shareholders $ 110,612 $ 105,562 Less: Earnings allocated to participating securities 828 1,022 Numerator for basic earnings per share – income available to common shareholders 109,784 104,540 Effect of reallocating undistributed earnings of participating securities — — Numerator for diluted earnings per share – income available to common shareholders $ 109,784 $ 104,540 Denominator: Weighted average shares outstanding $ 71,926,041 $ 65,479,482 Less: Participating securities included in weighted average shares outstanding 538,971 632,148 Denominator for basic earnings per common share 71,387,070 64,847,334 Dilutive effect of employee stock compensation plans 1 17,318 40,699 Denominator for diluted earnings per common share $ 71,404,388 $ 64,888,033 Basic earnings per share $ 1.54 $ 1.61 Diluted earnings per share $ 1.54 $ 1.61 1 Excludes employee stock options with exercise prices greater than current market price. — —

Reportable Segments

Reportable Segments3 Months Ended
Mar. 31, 2019
Segment Reporting [Abstract]
Reportable Segments [Text Block]Reportable Segments Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2019 is as follows (in thousands): Commercial Consumer Wealth Management Funds Management and Other 1 BOK Financial Consolidated Net interest revenue from external sources $ 204,209 $ 21,595 $ 21,486 $ 30,812 $ 278,102 Net interest revenue (expense) from internal sources (52,562 ) 29,507 6,770 16,285 — Net interest revenue 151,647 51,102 28,256 47,097 278,102 Provision for credit losses 11,245 1,085 (119 ) (4,211 ) 8,000 Net interest revenue after provision for credit losses 140,402 50,017 28,375 51,308 270,102 Other operating revenue 37,612 42,748 73,414 3,496 157,270 Other operating expense 50,177 53,506 61,507 121,967 287,157 Net direct contribution 127,837 39,259 40,282 (67,163 ) 140,215 Gain (loss) on financial instruments, net 18 14,097 — (14,115 ) — Change in fair value of mortgage servicing rights — (20,666 ) — 20,666 — Gain (loss) on repossessed assets, net (346 ) 103 — 243 — Corporate expense allocations 10,148 11,883 8,360 (30,391 ) — Net income before taxes 117,361 20,910 31,922 (29,978 ) 140,215 Federal and state income taxes 31,218 5,326 8,203 (14,797 ) 29,950 Net income 86,143 15,584 23,719 (15,181 ) 110,265 Net income attributable to non-controlling interests — — — (347 ) (347 ) Net income attributable to BOK Financial Corp. shareholders $ 86,143 $ 15,584 $ 23,719 $ (14,834 ) $ 110,612 Average assets $ 19,330,249 $ 8,371,683 $ 9,312,154 $ 2,658,595 $ 39,672,681 1 CoBiz operations are included in Funds Management and Other for the first quarter of 2019. Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2018 is as follows (in thousands): Commercial Consumer Wealth Management Funds Management and Other BOK Financial Consolidated Net interest revenue from external sources $ 160,414 $ 21,753 $ 15,407 $ 22,162 $ 219,736 Net interest revenue (expense) from internal sources (28,343 ) 15,224 9,932 3,187 — Net interest revenue 132,071 36,977 25,339 25,349 219,736 Provision for credit losses 627 1,300 (48 ) (6,879 ) (5,000 ) Net interest revenue after provision for credit losses 131,444 35,677 25,387 32,228 224,736 Other operating revenue 39,676 44,947 74,766 (3,400 ) 155,989 Other operating expense 48,370 54,695 64,942 76,423 244,430 Net direct contribution 122,750 25,929 35,211 (47,595 ) 136,295 Gain (loss) on financial instruments, net 7 (23,262 ) — 23,255 — Change in fair value of mortgage servicing rights — 21,206 — (21,206 ) — Gain (loss) on repossessed assets, net (4,166 ) (108 ) — 4,274 — Corporate expense allocations 10,603 11,188 8,815 (30,606 ) — Net income before taxes 107,988 12,577 26,396 (10,666 ) 136,295 Federal and state income taxes 28,741 3,203 6,787 (7,783 ) 30,948 Net income 79,247 9,374 19,609 (2,883 ) 105,347 Net income attributable to non-controlling interests — — — (215 ) (215 ) Net income (loss) attributable to BOK Financial Corp. shareholders $ 79,247 $ 9,374 $ 19,609 $ (2,668 ) $ 105,562 Average assets $ 17,793,820 $ 8,468,101 $ 8,095,794 $ (632,763 ) $ 33,724,952

Fees and Commissions Revenue Fe

Fees and Commissions Revenue Fees and Commissions Revenue3 Months Ended
Mar. 31, 2019
Revenue from Contract with Customer [Abstract]
Fees and Commissions Revenue [Text Block]Fees and Commissions Revenue Fees and commissions revenue is generated through the sales of products, consisting primarily of financial instruments, and the performance of services for customers under contractual obligations. Revenue from providing services for customers is recognized at the time services are provided in an amount that reflects the consideration we expect to be entitled to for those services. Revenue is recognized based on the application of five steps: • Identify the contract with a customer • Identify the performance obligations in the contract • Determine the transaction price • Allocate the transaction price to the performance obligations in the contract • Recognize revenue when (or as) the Company satisfies a performance obligation For contracts with multiple performance obligations, individual performance obligations are accounted for separately if the customer can benefit from the good or service on its own or with other resources readily available to the customer and the promise to transfer goods and services to the customer is separately identifiable in the contract. The transaction price is allocated to the performance obligations based on relative standalone selling prices. Revenue is recognized on a gross basis whenever we have primary responsibility and risk in providing the services or products to our customers and have discretion in establishing the price for the services or products. Revenue is recognized on a net basis whenever we act as an agent for products or services of others. Brokerage and trading revenue includes revenues from trading, customer hedging, retail brokerage and investment banking. Trading revenue includes net realized and unrealized gains primarily related to sales of securities to institutional customers and related derivative contracts. Customer hedging revenue includes realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs including credit valuation adjustments, as necessary. We offer commodity, interest rate, foreign exchange and equity derivatives to our customers. These customer contracts are offset with contracts with selected counterparties and exchanges to minimize changes in market risk from changes in commodity prices, interest rates or foreign exchange rates. Retail brokerage revenue represents fees and commissions earned on sales of fixed income securities, annuities, mutual funds and other financial instruments to retail customers. Investment banking revenue includes fees earned upon completion of underwriting and financial advisory services. Investment banking revenue also includes fees earned in conjunction with loan syndications. Insurance brokerage revenues represents fees and commissions earned on placement of insurance products with carriers for property and casualty and health coverage. Transaction card revenue includes merchant discount fees and electronic funds transfer network fees, net of interchange fees paid to card issuers and assessments paid to card networks. Merchant discount fees represent fees paid by customers for account management and electronic processing of card transactions. Merchant discount fees are recognized at the time the customer’s transactions are processed or other services are performed. The Company also maintains the TransFund electronic funds transfer network for the benefit of its members, which includes the Bank. Electronic funds transfer fees are recognized as electronic transactions processed on behalf of its members. Fiduciary and asset management revenue includes fees from asset management, custody, recordkeeping, investment advisory and administration services. Revenue is recognized on an accrual basis at the time the services are performed and may be based on either the fair value of the account or the service provided. Deposit service charges and fees include commercial account service charges, overdraft fees, check card fee revenue and automated service charge and other deposit service fees. Fees are recognized at least quarterly in accordance with published deposit account agreements and disclosure statements for retail accounts or contractual agreements for commercial accounts. Item charges for overdraft or non-sufficient funds items are recognized as items are presented for payment. Account balance charges and activity fees are accrued monthly and collected in arrears. Commercial account activity fees may be offset by an earnings credit based on account balances. Check card fees represent interchange fees paid by a merchant bank for transactions processed from cards issued by the Company. Check card fees are recognized when transactions are processed. Mortgage banking revenue includes revenues recognized in conjunction with the origination, marketing and servicing of conventional and government-sponsored residential mortgage loans. Mortgage production revenue includes net realized gains (losses) on sales of residential mortgage loans in the secondary market and the net change in unrealized gains (losses) on residential mortgage loans held for sale. Mortgage production revenue also includes changes in the fair value of derivative contracts not designated as hedging instruments related to residential mortgage loan commitments and forward sales contracts. Mortgage servicing revenue includes servicing fee income and late charges on loans serviced for others. Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2019 . Commercial Consumer Wealth Management Funds Management & Other 3 Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 12,920 $ — $ 12,920 $ 12,920 $ — Customer hedging revenue 1,575 — 5,728 (626 ) 6,677 6,677 — Retail brokerage revenue — — 4,074 (52 ) 4,022 — 4,022 Insurance brokerage revenue — — 379 3,729 4,108 — 4,108 Investment banking revenue 1,389 — 2,501 — 3,890 1,229 2,661 Brokerage and trading revenue 2,964 — 25,602 3,051 31,617 20,826 10,791 TransFund EFT network revenue 17,654 958 (17 ) 1 18,596 — 18,596 Merchant services revenue 1,925 14 — 123 2,062 — 2,062 Corporate card revenue 80 — — — 80 — 80 Transaction card revenue 19,659 972 (17 ) 124 20,738 — 20,738 Personal trust revenue — — 19,574 — 19,574 — 19,574 Corporate trust revenue — — 6,201 — 6,201 — 6,201 Institutional trust & retirement plan services revenue — — 11,107 — 11,107 — 11,107 Investment management services and other — — 4,801 1,675 6,476 — 6,476 Fiduciary and asset management revenue — — 41,683 1,675 43,358 — 43,358 Commercial account service charge revenue 10,062 387 527 1,807 12,783 — 12,783 Overdraft fee revenue 74 8,395 27 (236 ) 8,260 — 8,260 Check card revenue — 4,992 — 164 5,156 — 5,156 Automated service charge and other deposit fee revenue 158 1,665 177 44 2,044 — 2,044 Deposit service charges and fees 10,294 15,439 731 1,779 28,243 — 28,243 Mortgage production revenue — 7,868 — — 7,868 7,868 — Mortgage servicing revenue — 16,445 — (479 ) 15,966 15,966 — Mortgage banking revenue — 24,313 — (479 ) 23,834 23,834 — Other revenue 5,129 2,097 5,257 279 12,762 8,720 4,042 Total fees and commissions revenue $ 38,046 $ 42,821 $ 73,256 $ 6,429 $ 160,552 $ 53,380 $ 107,172 1 Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance. 2 In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers. 3 CoBiz operations are included in Funds Management and Other for the first quarter of 2019. Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2018 . Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 10,394 $ — $ 10,394 $ 10,394 $ — Customer hedging revenue 2,022 — 6,965 1,920 10,907 10,907 — Retail brokerage revenue — — 4,697 (98 ) 4,599 — 4,599 Insurance brokerage revenue — — 155 — 155 — 155 Investment banking revenue 1,061 — 3,532 — 4,593 1,061 3,532 Brokerage and trading revenue 3,083 — 25,743 1,822 30,648 22,362 8,286 TransFund EFT network revenue 18,202 987 (19 ) 1 19,171 — 19,171 Merchant services revenue 1,804 15 — — 1,819 — 1,819 Corporate card revenue — — — — — — — Transaction card revenue 20,006 1,002 (19 ) 1 20,990 — 20,990 Personal trust revenue — — 20,100 — 20,100 — 20,100 Corporate trust revenue — — 5,641 — 5,641 — 5,641 Institutional trust & retirement plan services revenue — — 11,450 — 11,450 — 11,450 Investment management services and other — — 4,689 (48 ) 4,641 — 4,641 Fiduciary and asset management revenue — — 41,880 (48 ) 41,832 — 41,832 Commercial account service charge revenue 10,944 359 605 — 11,908 — 11,908 Overdraft fee revenue 90 8,484 34 4 8,612 — 8,612 Check card revenue — 4,918 — — 4,918 — 4,918 Automated service charge and other deposit fee revenue 37 1,659 26 1 1,723 — 1,723 Deposit service charges and fees 11,071 15,420 665 5 27,161 — 27,161 Mortgage production revenue — 9,452 — — 9,452 9,452 — Mortgage servicing revenue — 17,027 — (454 ) 16,573 16,573 — Mortgage banking revenue — 26,479 — (454 ) 26,025 26,025 — Other revenue 5,857 2,062 6,538 (1,499 ) 12,958 8,984 3,974 Total fees and commissions revenue $ 40,017 $ 44,963 $ 74,807 $ (173 ) $ 159,614 $ 57,371 $ 102,243 1 Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance. 2 In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.

Fair Value Measurements

Fair Value Measurements3 Months Ended
Mar. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Measurements [Text Block]Fair Value Measurements Fair value is defined by applicable accounting guidance as the price to sell an asset or transfer a liability in an orderly transaction between market participants in the principal market for the given asset or liability at the measurement date based on market conditions at that date. An orderly transaction assumes exposure to the market for a customary period for marketing activities prior to the measurement date and not a forced liquidation or distressed sale. Certain assets and liabilities are recorded in the Company’s financial statements at fair value. Some are recorded on a recurring basis and some on a non-recurring basis. For some assets and liabilities, observable market transactions and market information might be available. For other assets and liabilities, observable market transactions and market information might not be available. A hierarchy for fair value has been established which categorizes into three levels the inputs to valuation techniques used to measure fair value. The three levels are as follows: Quoted Prices in Active Markets for Identical Assets or Liabilities (Level 1) - Fair value is based on unadjusted quoted prices in active markets for identical assets or liabilities. Significant Other Observable Inputs (Level 2) - Fair value is based on significant other observable inputs which are generally determined based on a single price for each financial instrument provided to us by an applicable third-party pricing service and is based on one or more of the following: • Quoted prices for similar, but not identical, assets or liabilities in active markets; • Quoted prices for identical or similar assets or liabilities in inactive markets; • Inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks and default rates; • Other inputs derived from or corroborated by observable market inputs. Significant Unobservable Inputs (Level 3) - Fair value is based upon model-based valuation techniques for which at least one significant assumption is not observable in the market. Transfers between levels are recognized as of the end of the reporting period. There were no transfers in or out of quoted prices in active markets for identical instruments to significant other observable inputs or significant unobservable inputs during the three months ended March 31, 2019 and 2018 , respectively. Transfers between significant other observable inputs and significant unobservable inputs during the three months ended March 31, 2019 and 2018 are included in the summary of changes in recurring fair values measured using unobservable inputs. The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values. Management has evaluated the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments and discounted cash flows to establish a basis for reliance on the pricing service values. Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values. Based on all observable inputs, management may adjust prices obtained from third-party pricing services to more appropriately reflect the prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market. No significant adjustments were made to prices provided by third-party pricing services at March 31, 2019 or December 31, 2018 . Assets and Liabilities Measured at Fair Value on a Recurring Basis The fair value of financial assets and liabilities measured on a recurring basis was as follows as of March 31, 2019 (in thousands): Total Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Trading securities: U.S. government agency debentures $ 51,576 $ — $ 51,576 $ — U.S. government agency residential mortgage-backed securities 1,952,742 — 1,952,742 — Municipal and other tax-exempt securities 50,637 — 50,637 — Asset-backed securities 40,890 — 40,890 — Other trading securities 44,481 — 44,481 — Total trading securities 2,140,326 — 2,140,326 — Available for sale securities: U.S. Treasury 1,878 1,878 — — Municipal and other tax-exempt securities 2,447 — 2,447 — Residential agency mortgage-backed securities 6,040,086 — 6,040,086 — Residential non-agency mortgage-backed securities 47,958 — 47,958 — Commercial agency mortgage-backed securities 2,932,357 — 2,932,357 — Other debt securities 472 — — 472 Total available for sale securities 9,025,198 1,878 9,022,848 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 707,994 — 707,994 — Residential mortgage loans held for sale 160,157 — 144,381 15,776 Mortgage servicing rights 1 238,193 — — 238,193 Derivative contracts, net of cash collateral 2 359,223 4,720 354,503 — Liabilities: Derivative contracts, net of cash collateral 2 299,698 — 299,698 — 1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6 , Mortgage Banking Activities. 2 See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate and agricultural derivative contacts, net of cash margin. Derivative contacts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate and energy derivative contracts, fully offset by cash margin. The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2018 (in thousands): Total Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Assets: Trading securities: U.S. government agency debentures $ 63,765 $ — $ 63,765 $ — U.S. government agency residential mortgage-backed securities 1,791,584 — 1,791,584 — Municipal and other tax-exempt securities 34,507 — 34,507 — Asset-backed securities 42,656 — 42,656 — Other trading securities 24,411 — 24,411 — Total trading securities 1,956,923 — 1,956,923 — Available for sale securities: U.S. Treasury 493 493 — — Municipal and other tax-exempt securities 2,864 — 2,864 — Residential agency mortgage-backed securities 5,804,708 — 5,804,708 — Residential non-agency mortgage-backed securities 59,736 — 59,736 — Commercial agency mortgage-backed securities 2,953,889 — 2,953,889 — Other debt securities 35,430 — 34,958 472 Total available for sale securities 8,857,120 493 8,856,155 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 283,235 — 283,235 — Residential mortgage loans held for sale 149,221 — 134,014 15,207 Mortgage servicing rights 1 259,254 — — 259,254 Derivative contracts, net of cash collateral 2 320,929 44,074 276,855 — Liabilities: Derivative contracts, net of cash collateral 2 362,306 — 362,306 — 1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6 , Mortgage Banking Activities. 2 See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate contracts, fully offset by cash margin. Following is a description of the Company's valuation methodologies used for assets and liabilities measured on a recurring basis: Securities The fair values of trading, available for sale and fair value option securities are based on quoted prices for identical instruments in active markets, when available. If quoted prices for identical instruments are not available, fair values are based on significant other observable inputs such as quoted prices of comparable instruments or interest rates and credit spreads, yield curves, volatilities, prepayment speeds and loss severities. The fair value of certain available for sale municipal and other debt securities may be based on significant unobservable inputs. These significant unobservable inputs include limited observed trades, projected cash flows, current credit rating of the issuers and, when applicable, the insurers of the debt and observed trades of similar debt. Discount rates are primarily based on references to interest rate spreads on comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies adjusted for a lack of trading volume. Significant unobservable inputs are developed by investment securities professionals involved in the active trading of similar securities. A summary of significant inputs used to value these securities follows. A management committee composed of senior members from the Company's Capital Markets, Risk Management and Finance departments assesses the appropriateness of these inputs quarterly. Derivatives All derivative instruments are carried on the balance sheet at fair value. Fair values for exchange-traded contracts are based on quoted prices. Fair values for over-the-counter interest rate, commodity and foreign exchange contracts are based on valuations provided either by third-party dealers in the contracts, quotes provided by independent pricing services, or a third-party provided pricing model that uses significant other observable market inputs. Credit risk is considered in determining the fair value of derivative instruments. Management determines fair value adjustments based on various risk factors including but not limited to current fair value, probability of default and loss given default. We also consider our own credit risk in determining the fair value of derivative contracts. Changes in our credit rating would affect the fair value of our derivative liabilities. In the event of a credit downgrade, the fair value of our derivative liabilities would increase. Residential Mortgage Loans Held for Sale Residential mortgage loans held for sale are carried on the balance sheet at fair value. The fair values of residential mortgage loans held for sale are based upon quoted market prices of such loans sold in securitization transactions, including related unfunded loan commitments and forward sales contracts. The fair value of mortgage loans that were unable to be sold to U.S. government agencies were determined using quoted prices of loans that are sold in securitization transactions with a liquidity discount applied. The following represents the changes for the three months ended March 31, 2019 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands): Available for Sale Securities Municipal and other tax-exempt securities Other debt securities Residential mortgage loans held for sale Balance, December 31, 2018 $ — $ 472 $ 15,207 Transfer to Level 3 from Level 2 1 — — 982 Purchases — — — Proceeds from sales — — (381 ) Redemptions and distributions — — — Gain (loss) recognized in earnings: Mortgage banking revenue — — (32 ) Other comprehensive income (loss): Net change in unrealized gain (loss) — — — Balance, March 31, 2019 $ — $ 472 $ 15,776 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards. The following represents the changes for the three months ended March 31, 2018 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands): Available for Sale Securities Municipal and other tax-exempt securities Other debt securities Residential mortgage loans held for sale Balance, December 31, 2017 $ 4,802 $ 472 $ 12,299 Transfer to Level 3 from Level 2 1 — — 2,156 Purchases — — — Proceeds from sales — — (324 ) Redemptions and distributions (3,045 ) — — Gain (loss) recognized in earnings: Mortgage banking revenue — — (260 ) Other comprehensive income (loss): Net change in unrealized gain (loss) 134 — — Balance, March 31, 2018 $ 1,891 $ 472 $ 13,871 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards. A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of March 31, 2019 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Available for sale securities – Other debt securities 472 Discounted cash flows 1 Interest rate spread 6.83%-6.83% (6.83%) 3 94.39%-94.39% (94.39%) 2 Residential mortgage loans held for sale 15,766 Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Liquidity discount applied to the market value of mortgage loans qualifying for sale to U.S. government agencies. 92.40% 1 Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume. 2 Represents fair value as a percentage of par value. 3 Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent . A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of December 31, 2018 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Available for sale securities – Other debt securities 472 Discounted cash flows 1 Interest rate spread 7.88%-7.88% (7.88%) 3 94.44%-94.44% (94.44%) 2 Residential mortgage loans held for sale 15,207 Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Liquidity discount applied to the market value of mortgage loans qualifying for sale to U.S. government agencies. 92.38% 1 Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume 2 Represents fair value as a percentage of par value. 3 Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent . Fair Value of Assets and Liabilities Measured on a Non-Recurring Basis Assets measured at fair value on a non-recurring basis include collateral for certain impaired loans and real property and other assets acquired to satisfy loans, which are based primarily on comparisons to completed sales of similar assets. The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at March 31, 2019 for which the fair value was adjusted during the three months ended March 31, 2019 : Fair Value Adjustments for the Carrying Value at March 31, 2019 Three Months Ended Quoted Prices in Active Markets for Identical Instruments Significant Other Observable Inputs Significant Unobservable Inputs Gross charge-offs against allowance for loan losses Net losses and expenses of repossessed assets, net Impaired loans $ — $ — $ 9,712 $ 9,581 $ — Real estate and other repossessed assets — 2,688 144 — 434 The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at March 31, 2018 for which the fair value was adjusted during the three months ended March 31, 2018 : Fair Value Adjustments for the Carrying Value at March 31, 2018 Three Months Ended Quoted Prices in Active Markets for Identical Instruments Significant Other Observable Inputs Significant Unobservable Inputs Gross charge-offs against allowance for loan losses Net losses and expenses of repossessed assets, net Impaired loans $ — $ 32 $ 410 $ 497 $ — Real estate and other repossessed assets — 863 7,094 — 5,192 The fair value of collateral-dependent impaired loans secured by real estate and real estate and other repossessed assets and the related fair value adjustments are generally based on unadjusted third-party appraisals. Our appraisal review policies require appraised values to be supported by observed inputs derived principally from or corroborated by observable market data. Appraisals that are not based on observable inputs or that require significant adjustments or fair value measurements that are not based on third-party appraisals are considered to be based on significant unobservable inputs. Non-recurring fair value measurements of collateral-dependent impaired loans and real estate and other repossessed assets based on significant unobservable inputs are generally due to estimates of current fair values between appraisal dates. Significant unobservable inputs include listing prices for the same or comparable assets, uncorroborated expert opinions or management's knowledge of the collateral or industry. Non-recurring fair value measurements of collateral dependent loans secured by mineral rights are generally determined by our internal staff of engineers on projected cash flows under current market conditions and are based on significant unobservable inputs. Projected cash flows are discounted according to risk characteristics of the underlying oil and gas properties. Assets are evaluated to demonstrate with reasonable certainty that crude oil, natural gas and natural gas liquids can be recovered from known oil and gas reservoirs under existing economic and operating conditions at current prices with existing conventional equipment, operating methods and costs. Significant unobservable inputs are developed by asset management and workout professionals and approved by senior Credit Administration executives. A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of March 31, 2019 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Impaired loans $ 9,712 Discounted cash flows Management knowledge of industry and non-real estate collateral including but not limited to recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs 14% - 74% (31%) 1 Real estate and other repossessed assets 144 Appraised value, as adjusted Marketability adjustments off appraised value 2 75% - 85% (79%) 1 Represents fair value as a percentage of the unpaid principal balance. 2 Marketability adjustments include consideration of estimated costs to sell which is approximately 10% of the fair value. A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2018 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Impaired loans $ 17,401 Discounted cash flows Management knowledge of industry and non-real estate collateral including but not limited to recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs 35% - 80% (50%) 1 Real estate and other repossessed assets 6,366 Discounted cash flows Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs N/A 1 Represents fair value as a percentage of the unpaid principal balance. Fair Value of Financial Instruments The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of March 31, 2019 (dollars in thousands): Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Cash and due from banks $ 718,297 $ 718,297 $ 718,297 $ — $ — Interest-bearing cash and cash equivalents 564,404 564,404 564,404 — — Trading securities: U.S. government agency debentures 51,576 51,576 — 51,576 — U.S. government agency residential mortgage-backed securities 1,952,742 1,952,742 — 1,952,742 — Municipal and other tax-exempt securities 50,637 50,637 — 50,637 — Asset-backed securities 40,890 40,890 — 40,890 — Other trading securities 44,481 44,481 — 44,481 — Total trading securities 2,140,326 2,140,326 — 2,140,326 — Investment securities: Municipal and other tax-exempt securities 126,544 129,072 — 129,072 — U.S. government agency residential mortgage-backed securities 12,106 12,388 — 12,388 — Other debt securities 192,816 207,028 — 8,209 198,819 Total investment securities 331,466 348,488 — 149,669 198,819 Available for sale securities: U.S. Treasury 1,878 1,878 1,878 — — Municipal and other tax-exempt securities 2,447 2,447 — 2,447 — Residential agency mortgage-backed securities 6,040,086 6,040,086 — 6,040,086 — Residential non-agency mortgage-backed securities 47,958 47,958 — 47,958 — Commercial agency mortgage-backed securities 2,932,357 2,932,357 — 2,932,357 — Other debt securities 472 472 — — 472 Total available for sale securities 9,025,198 9,025,198 1,878 9,022,848 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 707,994 707,994 — 707,994 — Residential mortgage loans held for sale 160,157 160,157 — 144,381 15,776 Loans: Commercial 13,961,975 13,886,769 — — 13,886,769 Commercial real estate 4,600,651 4,589,189 — — 4,589,189 Residential mortgage 2,192,620 2,196,914 — — 2,196,914 Personal 1,003,734 1,001,193 — — 1,001,193 Total loans 21,758,980 21,674,065 — — 21,674,065 Allowance for loan losses (205,340 ) — — — — Loans, net of allowance 21,553,640 21,674,065 — — 21,674,065 Mortgage servicing rights 238,193 238,193 — — 238,193 Derivative instruments with positive fair value, net of cash collateral 359,223 359,223 4,720 354,503 — Deposits with no stated maturity 23,133,413 23,133,413 — — 23,133,413 Time deposits 2,198,389 2,181,872 — — 2,181,872 Other borrowed funds 8,780,766 8,750,845 — — 8,750,845 Subordinated debentures 275,880 273,656 — 273,656 — Derivative instruments with negative fair value, net of cash collateral 299,698 299,698 — 299,698 — The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2018 (dollars in thousands): Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Cash and due from banks $ 741,749 $ 741,749 $ 741,749 $ — $ — Interest-bearing cash and cash equivalents 401,675 401,675 401,675 — — Trading securities: U.S. government agency debentures 63,765 63,765 — 63,765 — U.S. government agency residential mortgage-backed securities 1,791,584 1,791,584 — 1,791,584 — Municipal and other tax-exempt securities 34,507 34,507 — 34,507 — Asset-backed securities 42,656 42,656 — 42,656 — Other trading securities 24,411 24,411 — 24,411 — Total trading securities 1,956,923 1,956,923 — 1,956,923 — Investment securities: Municipal and other tax-exempt securities 137,296 138,562 — 138,562 — U.S. government agency residential mortgage-backed securities 12,612 12,770 — 12,770 — Other debt securities 205,279 215,966 — 7,905 208,061 Total investment securities 355,187 367,298 — 159,237 208,061 Available for sale securities: U.S. Treasury 493 493 493 — — Municipal and other tax-exempt securities 2,864 2,864 — 2,864 — Residential agency mortgage-backed securities 5,804,708 5,804,708 — 5,804,708 — Residential non-agency mortgage-backed securities 59,736 59,736 — 59,736 — Commercial agency mortgage-backed securities 2,953,889 2,953,889 — 2,953,889 — Other debt securities 35,430 35,430 — 34,958 472 Total available for sale securities 8,857,120 8,857,120 493 8,856,155 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 283,235 283,235 — 283,235 — Residential mortgage loans held for sale 149,221 149,221 — 134,014 15,207 Loans: Commercial 13,636,078 13,526,162 — — 13,526,162 Commercial real estate 4,764,813 4,713,747 — — 4,713,747 Residential mortgage 2,230,033 2,213,951 — — 2,213,951 Personal 1,025,806 1,024,368 — — 1,024,368 Total loans 21,656,730 21,478,228 — — 21,478,228 Allowance for loan losses (207,457 ) — — — — Loans, net of allowance 21,449,273 21,478,228 — — 21,478,228 Mortgage servicing rights 259,254 259,254 — — 259,254 Derivative instruments with positive fair value, net of cash collateral 320,929 320,929 44,074 276,855 — Deposits with no stated maturity 23,150,383 23,150,383 — — 23,150,383 Time deposits 2,113,380 2,073,538 — — 2,073,538 Other borrowed funds 7,142,801 7,071,953 — — 7,071,953 Subordinated debentures 275,913 261,977 — 261,977 — Derivative instruments with negative fair value, net of cash collateral 362,306 362,306 — 362,306 — Because no market exists for certain of these financial instruments and management does not intend to sell these financial instruments, the fair values shown in the tables above may not represent values at which the respective financial instruments could be sold individually or in the aggregate at the given reporting date. Fair Value Election

Federal and State Income Taxes

Federal and State Income Taxes Federal and State Income Taxes3 Months Ended
Mar. 31, 2019
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]Federal and State Income Taxes The Tax Cuts and Jobs Act (the "Tax Reform Act") enacted on December 22, 2017, reduced the federal corporate income tax rate from 35% to 21% beginning January 1, 2018. We completed our accounting during 2018 for uncertainties that resulted from the Tax Reform Act. Adjustments to provisional amounts related to the Tax Reform Act were recognized during 2018. The reconciliation of income attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands): Three Months Ended 2019 2018 Amount: Federal statutory tax $ 29,445 $ 28,622 Tax exempt revenue (2,757 ) (1,812 ) Effect of state income taxes, net of federal benefit 3,851 3,657 Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (1,608 ) (1,458 ) Share-based compensation (529 ) (1,620 ) Implementation of Tax Reform Act — 1,895 Other, net 1,548 1,664 Total income tax expense $ 29,950 $ 30,948 Three Months Ended 2019 2018 Percent of pretax income: Federal statutory tax 21.0 % 21.0 % Tax exempt revenue (2.0 ) (1.3 ) Effect of state income taxes, net of federal benefit 2.7 2.7 Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (1.1 ) (1.1 ) Share-based compensation (0.4 ) (1.2 ) Implementation of Tax Reform Act — 1.4 Other, net 1.2 1.2 Total 21.4 % 22.7 %

Subsequent Events

Subsequent Events3 Months Ended
Mar. 31, 2019
Subsequent Events [Abstract]
Subsequent Events [Text Block]Subsequent Events The Company evaluated events from the date of the consolidated financial statements on March 31, 2019

Significant Accounting Polici_2

Significant Accounting Policies (Policies)3 Months Ended
Mar. 31, 2019
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]The accompanying unaudited consolidated financial statements of BOK Financial Corporation (“BOK Financial” or “the Company”) have been prepared in accordance with accounting principles for interim financial information generally accepted in the United States and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.
Principles of Consolidation [Policy Text Block]The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOK Financial Securities, Inc., The Milestone Group, Inc. and Cavanal Hill Investment Management Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, BOK Financial in Colorado and Arizona, Mobank, BOK Financial Mortgage and the TransFund electronic funds network.
Reclassification, Policy [Policy Text Block]Certain reclassifications have been made to conform to the current period presentation.
Newly Adopted and Pending Accounting Policies [Policy Text Block]Newly Adopted and Pending Accounting Policies Financial Accounting Standards Board (“FASB”) FASB Accounting Standards Update No. 2016-02, Leases (Topic 842) ("ASU 2016-02") On February 25, 2016, the FASB issued ASU 2016-02 to increase transparency and comparability by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. Lessees are required to recognize an obligation for future lease payments measured on a discounted basis and a right-of-use asset. The Company adopted the new standard January 1, 2019 through a cumulative effect adjustment to retained earnings. Prior periods were not restated. BOKF elected to apply all practical expedients other than the lessee’s practical expedient to combine lease and non-lease components which would further gross up lease liability and the related right-of-use asset. The implementation of ASU 2016-02 increased the reported right-of-use asset and lease liability by $137 million . The effect on retained earnings was immaterial. FASB Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Assets Measured at Amortized Cost ("ASU 2016-13") On June 16, 2016, the FASB issued ASU 2016-13 to provide more timely recording of credit losses on loans and other financial assets measured at amortized cost, effective for the Company for annual reporting periods beginning after December 15, 2019, including interim periods within those fiscal years. The Company has established a CECL implementation team to evaluate the impact to the Company's financial statements. The CECL implementation team, overseen by the Chief Credit Officer, Chief Financial Officer, and Chief Risk Officer, has developed a project plan that incorporates input from various departments within the bank including Credit, Financial Reporting, Risk, and Information Technology among others. The Audit Committee and Credit Committee of the Board of Directors is periodically updated on project progress. Key implementation activities for 2019 include model validation and quarterly parallel runs with development of governance, control, and disclosure frameworks. The Company will adopt the standard on January 1, 2020 through a cumulative-effect adjustment to retained earnings. The impact of adoption will depend on the composition of the loan and securities portfolios as well as current and expected economic conditions at that time. FASB Accounting Standards Update No. 2019-01, Leases (Topic 842): Codification Improvements ("ASU 2019-01")
Derivatives, Policy [Policy Text Block]Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are reported in earnings as they occur. Credit risk is also considered in determining fair value. Deterioration in the credit rating of customer or other counterparties reduced the fair value of asset contracts. Deterioration of our credit rating could decrease the fair value of our derivative liabilities. When bilateral netting agreements or similar arrangements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract type by counterparty basis. Derivative contracts may require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured. None of these derivative contracts have been designated as hedging instruments for accounting purposes. Customer Risk Management Programs BOK Financial offers programs to permit its customers to manage various risks, including fluctuations in energy, cattle and other agricultural products, interest rates and foreign exchange rates with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by borrowers to modify interest rate terms of their loans or to-be-announced securities used by mortgage banking customers to hedge their loan production. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize the risk of changes in commodity prices, interest rates or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in Other operating revenue – Brokerage and trading revenue in the Consolidated Statements of Earnings. Internal Risk Management Programs BOK Financial may use derivative contracts in managing its interest rate sensitivity, as part of its economic hedge of the change in the fair value of mortgage servicing rights and to mitigate the market risk of holding trading securities. Changes in the fair value of derivative instruments used in managing interest rate sensitivity and as part of the economic hedge of changes in the fair value of mortgage servicing rights are included in Other operating revenue – Gain (loss) on derivatives, net in the Consolidated Statements of Earnings. Changes in the fair value of derivative instruments used to mitigate the market risk of holding trading securities are included in Other operating revenue – Brokerage and trading revenue. As discussed in Note 6 , certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets. See Note 6 for additional discussion of notional, fair value and impact on earnings of these contracts.
Loans and Allowances for Credit Losses, Loans [Policy Text Block]Loans Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows. Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management’s judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower’s financial condition or a sustained period of performance. Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). All TDRs are classified as nonaccruing, excluding loans guaranteed by U.S. government agencies. Modifications generally consist of extension of payment terms or interest rate concessions and may result either voluntarily through negotiations with the borrower or involuntarily through court order. Generally, principal and accrued but unpaid interest is not voluntarily forgiven. Performing loans may be renewed under the current collateral value, debt service ratio and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in other gains (losses), net in the Statements of Earnings. All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a TDR. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral value and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days , based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status. Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff. Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. Guaranteed loans are considered impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. The original principal guarantee remains; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in TDRs in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors.
Loans and Allowances for Credit Losses, Allowances for Credit Losses [Policy Text Block]Allowances for Credit Losses BOK Financial maintains an allowance for loan losses and an accrual for off-balance sheet credit risk. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees. As discussed in greater detail in Note 6 , the Company also has separate accruals for off-balance sheet credit risk related to residential mortgage loans previously sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representations and warranties. The appropriateness of the allowance for loan losses and accrual for off-balance sheet credit losses (collectively "allowance for credit losses") is assessed by management based on an ongoing quarterly evaluation of the probable estimated losses inherent in the portfolio, including probable losses on both outstanding loans and unused commitments. The allowance for loan losses consists of specific allowances attributed to impaired loans that have not yet been charged down to amounts we expect to recover, general allowances for unimpaired loans based on estimated loss rates by loan class and nonspecific allowances based on general economic conditions, risk concentration and related factors. There have been no material changes in the approach or techniques utilized in developing the allowance for loan losses and the accrual for off-balance sheet credit losses for the three months ended March 31, 2019 . Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements. Internally risk graded loans are evaluated individually for impairment. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on evaluation of the borrowers' ability to repay. Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded. Non-risk graded loans are identified as impaired based on performance status. Generally, non-risk graded loans 90 days or more past due or modified in a TDR or in bankruptcy are considered to be impaired. Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans’ initial effective interest rate or the fair value of collateral for certain collateral dependent loans. Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs. Appraised values are on an "as-is" basis and are generally not adjusted by the Company. Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined. Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows under current market conditions. Collateral values and available cash resources that support impaired loans are evaluated quarterly. Historical statistics may be used as a practical way to estimate impairment in limited situations, such as when a collateral dependent loan is identified as impaired at the end of a reporting period, until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed. Estimates of future cash flows and collateral values require significant judgments and may be volatile. General allowances for unimpaired loans are based on estimated loss rates by loan class. The gross loss rate for each loan class is determined by the greater of the current gross loss rate based on the most recent twelve months or a ten-year gross loss rate. Recoveries are not directly considered in the estimation of loss rates. Recoveries generally do not follow predictable patterns and are not received until well after the charge-off date as a result of protracted legal actions. For risk graded loans, gross loss rates are adjusted for changes in risk grading. For each loan class, the current weighted average risk grade is compared to the long-term average risk grade. This comparison determines whether credit risk in each loan class is increasing or decreasing. Loss rates are adjusted upward or downward in proportion to changes in average risk grading. General allowances for unimpaired loans also consider inherent risks identified for each loan class. Inherent risks consider loss rates that most appropriately represent the current credit cycle and other factors attributable to specific loan classes which have not yet been represented in the gross loss rates or risk grading. These factors include changes in commodity prices or engineering imprecision, which may affect the value of reserves that secure our energy loan portfolio, construction risk that may affect commercial real estate loans, changes in regulations and public policy that may disproportionately impact health care loans and changes in loan products. Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or loan class. These factors include trends in the economy of our primary lending areas, concentrations in large balance loans and other relevant factors. An accrual for off-balance sheet credit losses is included in Other liabilities in the Consolidated Balance Sheets. The appropriateness of this accrual is determined in the same manner as the allowance for loan losses.
Lessee, Leases [Policy Text Block]Effective January 1, 2019, premises and equipment included right-of-use assets for leased office space and facilities. Leases are at market rates at inception and may contain escalations based on consumer price index or similar benchmarks and options to renew at then market rates. Renewal options, variable lease payments and residual value guarantees are included in the measurement of right-of-use assets when certain conditions are met. Lease component cash flows are discounted at the applicable FHLB advance rate.
Revenue Recognition, Policy [Policy Text Block]Fees and commissions revenue is generated through the sales of products, consisting primarily of financial instruments, and the performance of services for customers under contractual obligations. Revenue from providing services for customers is recognized at the time services are provided in an amount that reflects the consideration we expect to be entitled to for those services. Revenue is recognized based on the application of five steps: • Identify the contract with a customer • Identify the performance obligations in the contract • Determine the transaction price • Allocate the transaction price to the performance obligations in the contract • Recognize revenue when (or as) the Company satisfies a performance obligation For contracts with multiple performance obligations, individual performance obligations are accounted for separately if the customer can benefit from the good or service on its own or with other resources readily available to the customer and the promise to transfer goods and services to the customer is separately identifiable in the contract. The transaction price is allocated to the performance obligations based on relative standalone selling prices. Revenue is recognized on a gross basis whenever we have primary responsibility and risk in providing the services or products to our customers and have discretion in establishing the price for the services or products. Revenue is recognized on a net basis whenever we act as an agent for products or services of others. Brokerage and trading revenue includes revenues from trading, customer hedging, retail brokerage and investment banking. Trading revenue includes net realized and unrealized gains primarily related to sales of securities to institutional customers and related derivative contracts. Customer hedging revenue includes realized and unrealized changes in the fair value of derivative contracts held for customer risk management programs including credit valuation adjustments, as necessary. We offer commodity, interest rate, foreign exchange and equity derivatives to our customers. These customer contracts are offset with contracts with selected counterparties and exchanges to minimize changes in market risk from changes in commodity prices, interest rates or foreign exchange rates. Retail brokerage revenue represents fees and commissions earned on sales of fixed income securities, annuities, mutual funds and other financial instruments to retail customers. Investment banking revenue includes fees earned upon completion of underwriting and financial advisory services. Investment banking revenue also includes fees earned in conjunction with loan syndications. Insurance brokerage revenues represents fees and commissions earned on placement of insurance products with carriers for property and casualty and health coverage. Transaction card revenue includes merchant discount fees and electronic funds transfer network fees, net of interchange fees paid to card issuers and assessments paid to card networks. Merchant discount fees represent fees paid by customers for account management and electronic processing of card transactions. Merchant discount fees are recognized at the time the customer’s transactions are processed or other services are performed. The Company also maintains the TransFund electronic funds transfer network for the benefit of its members, which includes the Bank. Electronic funds transfer fees are recognized as electronic transactions processed on behalf of its members. Fiduciary and asset management revenue includes fees from asset management, custody, recordkeeping, investment advisory and administration services. Revenue is recognized on an accrual basis at the time the services are performed and may be based on either the fair value of the account or the service provided. Deposit service charges and fees include commercial account service charges, overdraft fees, check card fee revenue and automated service charge and other deposit service fees. Fees are recognized at least quarterly in accordance with published deposit account agreements and disclosure statements for retail accounts or contractual agreements for commercial accounts. Item charges for overdraft or non-sufficient funds items are recognized as items are presented for payment. Account balance charges and activity fees are accrued monthly and collected in arrears. Commercial account activity fees may be offset by an earnings credit based on account balances. Check card fees represent interchange fees paid by a merchant bank for transactions processed from cards issued by the Company. Check card fees are recognized when transactions are processed.

Securities (Tables)

Securities (Tables)3 Months Ended
Mar. 31, 2019
Marketable Securities [Abstract]
Trading Securities, [Table Text Block]The fair value and net unrealized gain (loss) included in trading securities are as follows (in thousands): March 31, 2019 December 31, 2018 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) U.S. government agency debentures $ 51,576 $ 52 $ 63,765 $ 254 U.S. government agency residential mortgage-backed securities 1,952,742 12,377 1,791,584 9,966 Municipal and other tax-exempt securities 50,637 225 34,507 (1 ) Asset-backed securities 40,890 128 42,656 685 Other trading securities 44,481 116 24,411 65 Total trading securities $ 2,140,326 $ 12,898 $ 1,956,923 $ 10,969
Investment Securities (Held-to-Maturity) [Table Text Block]The amortized cost and fair values of investment securities are as follows (in thousands): March 31, 2019 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal and other tax-exempt $ 126,544 $ 129,072 $ 2,712 $ (184 ) U.S. government agency residential mortgage-backed securities 12,106 12,388 349 (67 ) Other debt securities 192,816 207,028 15,091 (879 ) Total investment securities $ 331,466 $ 348,488 $ 18,152 $ (1,130 ) December 31, 2018 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal and other tax-exempt $ 137,296 $ 138,562 $ 1,858 $ (592 ) U.S. government agency residential mortgage-backed securities 12,612 12,770 293 (135 ) Other debt securities 205,279 215,966 12,257 (1,570 ) Total investment securities $ 355,187 $ 367,298 $ 14,408 $ (2,297 ) The amortized cost and fair values of investment securities at March 31, 2019 , by contractual maturity, are as shown in the following table (dollars in thousands): Less than One Year One to Five Years Six to Ten Years Over Ten Years Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 52,230 $ 105,189 $ 136,731 $ 25,210 $ 319,360 5.23 Fair value 52,406 108,571 149,919 25,204 336,100 Residential mortgage-backed securities: Amortized cost $ 12,106 2 Fair value 12,388 Total investment securities: Amortized cost $ 331,466 Fair value 348,488 1 Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty. 2 The average expected lives of residential mortgage-backed securities were 4.7 years based upon current prepayment assumptions.
Available For Sale Securities [Table Text Block]The amortized cost and fair value of available for sale securities are as follows (in thousands): March 31, 2019 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 1,880 $ 1,878 $ — $ (2 ) Municipal and other tax-exempt 2,365 2,447 82 — Mortgage-backed securities: Residential agency 6,056,710 6,040,086 35,131 (51,755 ) Residential non-agency 33,305 47,958 14,653 — Commercial agency 2,933,046 2,932,357 17,022 (17,711 ) Other debt securities 500 472 — (28 ) Total available for sale securities $ 9,027,806 $ 9,025,198 $ 66,888 $ (69,496 ) December 31, 2018 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 496 $ 493 $ — $ (3 ) Municipal and other tax-exempt 2,782 2,864 82 — Mortgage-backed securities: Residential agency 5,886,323 5,804,708 16,149 (97,764 ) Residential non-agency 40,948 59,736 18,788 — Commercial agency 2,986,297 2,953,889 7,955 (40,363 ) Other debt securities 35,545 35,430 12 (127 ) Total available for sale securities $ 8,952,391 $ 8,857,120 $ 42,986 $ (138,257 ) The amortized cost and fair values of available for sale securities at March 31, 2019 , by contractual maturity, are as shown in the following table (dollars in thousands): Less than One Year One to Five Years Six to Ten Years Over Ten Years Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 94,933 $ 983,438 $ 1,467,481 $ 391,939 $ 2,937,791 7.30 Fair value 94,398 976,737 1,473,499 392,520 2,937,154 Residential mortgage-backed securities: Amortized cost $ 6,090,015 2 Fair value 6,088,044 Total available-for-sale securities: Amortized cost $ 9,027,806 Fair value 9,025,198 1 Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty. 2 The average expected lives of mortgage-backed securities were 4.1 years based upon current prepayment assumptions. Sales of available for sale securities resulted in gains and losses as follows (in thousands): Three Months Ended 2019 2018 Proceeds $ 245,259 $ 44,790 Gross realized gains 5,298 193 Gross realized losses (5,222 ) (483 ) Related federal and state income tax expense (benefit) 19 (74 )
Schedule of Unrealized Loss on Investments [Table Text Block]Temporarily Impaired Securities as of March 31, 2019 (in thousands): Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Investment: Municipal and other tax-exempt 50 $ 234 $ 1 $ 52,434 $ 183 $ 52,668 $ 184 U.S. government agency residential mortgage-backed securities 2 — — 5,468 67 5,468 67 Other debt securities 30 25 1 16,932 878 16,957 879 Total investment securities 82 $ 259 $ 2 $ 74,834 $ 1,128 $ 75,093 $ 1,130 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for sale: U.S. Treasury 1 $ — $ — $ 495 $ 2 $ 495 $ 2 Mortgage-backed securities: Residential agency 244 300,369 1,016 3,251,359 50,739 3,551,728 51,755 Commercial agency 169 432,254 833 1,590,803 16,878 2,023,057 17,711 Other debt securities 1 — — 472 28 472 28 Total available for sale securities 415 $ 732,623 $ 1,849 $ 4,843,129 $ 67,647 $ 5,575,752 $ 69,496 Temporarily Impaired Securities as of December 31, 2018 (In thousands) Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Investment: Municipal and other tax-exempt 72 $ 18,255 $ 69 $ 66,141 $ 523 $ 84,396 $ 592 U.S. government agency residential mortgage-backed securities 2 — — 5,633 135 5,633 135 Other debt securities 72 13,372 64 23,028 1,506 36,400 1,570 Total investment securities 146 $ 31,627 $ 133 $ 94,802 $ 2,164 $ 126,429 $ 2,297 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for sale: U.S. Treasury 1 $ — $ — $ 493 $ 3 $ 493 $ 3 Mortgage-backed securities: Residential agency 289 510,824 1,158 3,641,370 96,606 4,152,194 97,764 Commercial agency 197 179,258 394 1,969,504 39,969 2,148,762 40,363 Other debt securities 3 9,982 63 20,436 64 30,418 127 Total available for sale securities 490 $ 700,064 $ 1,615 $ 5,631,803 $ 136,642 $ 6,331,867 $ 138,257

Derivatives (Tables)

Derivatives (Tables)3 Months Ended
Mar. 31, 2019
Derivative Instrument Detail [Abstract]
Derivative Contracts [Table Text Block]The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at March 31, 2019 (in thousands): Assets Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 11,338,256 $ 91,727 $ (33,983 ) $ 57,744 $ — $ 57,744 Interest rate swaps 2,047,117 36,602 (8,296 ) 28,306 (593 ) 27,713 Energy contracts 1,501,876 123,485 (84,482 ) 39,003 (10,130 ) 28,873 Agricultural contracts 23,660 2,696 (64 ) 2,632 — 2,632 Foreign exchange contracts 224,741 223,329 — 223,329 — 223,329 Equity option contracts 86,944 3,140 — 3,140 (930 ) 2,210 Total customer risk management programs 15,222,594 480,979 (126,825 ) 354,154 (11,653 ) 342,501 Internal risk management programs 25,928,716 132,974 (116,252 ) 16,722 — 16,722 Total derivative contracts $ 41,151,310 $ 613,953 $ (243,077 ) $ 370,876 $ (11,653 ) $ 359,223 Liabilities Notional¹ Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 11,140,756 $ 89,929 $ (33,983 ) $ 55,946 $ (55,879 ) $ 67 Interest rate swaps 2,047,117 36,644 (8,296 ) 28,348 (14,345 ) 14,003 Energy contracts 1,433,137 119,097 (84,482 ) 34,615 (4,608 ) 30,007 Agricultural contracts 23,636 2,662 (64 ) 2,598 — 2,598 Foreign exchange contracts 219,893 218,400 — 218,400 (414 ) 217,986 Equity option contracts 86,944 3,140 — 3,140 — 3,140 Total customer risk management programs 14,951,483 469,872 (126,825 ) 343,047 (75,246 ) 267,801 Internal risk management programs 27,041,772 151,686 (116,252 ) 35,434 (3,537 ) 31,897 Total derivative contracts $ 41,993,255 $ 621,558 $ (243,077 ) $ 378,481 $ (78,783 ) $ 299,698 1 Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract. The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2018 (in thousands): Assets Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 10,671,151 $ 92,231 $ (26,787 ) $ 65,444 $ — $ 65,444 Interest rate swaps 1,924,131 36,112 (6,688 ) 29,424 (7,934 ) 21,490 Energy contracts 1,472,209 206,418 (60,983 ) 145,435 (106,752 ) 38,683 Agricultural contracts 21,210 842 (201 ) 641 — 641 Foreign exchange contracts 184,990 183,759 — 183,759 — 183,759 Equity option contracts 89,085 2,021 — 2,021 (648 ) 1,373 Total customer risk management programs 14,362,776 521,383 (94,659 ) 426,724 (115,334 ) 311,390 Internal risk management programs 15,909,988 50,410 (40,871 ) 9,539 — 9,539 Total derivative contracts $ 30,272,764 $ 571,793 $ (135,530 ) $ 436,263 $ (115,334 ) $ 320,929 Liabilities Notional 1 Gross Fair Value Netting Adjustments Net Fair Value Before Cash Collateral Cash Collateral Fair Value Net of Cash Collateral Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 10,558,151 $ 90,388 $ (26,787 ) $ 63,601 $ (63,596 ) $ 5 Interest rate swaps 1,924,131 36,288 (6,688 ) 29,600 (4,110 ) 25,490 Energy contracts 1,434,247 202,494 (60,983 ) 141,511 (1,490 ) 140,021 Agricultural contracts 21,214 812 (201 ) 611 — 611 Foreign exchange contracts 177,423 175,922 — 175,922 — 175,922 Equity option contracts 89,085 2,021 — 2,021 — 2,021 Total customer risk management programs 14,204,251 507,925 (94,659 ) 413,266 (69,196 ) 344,070 Internal risk management programs 19,634,642 66,422 (40,871 ) 25,551 (7,315 ) 18,236 Total derivative contracts $ 33,838,893 $ 574,347 $ (135,530 ) $ 438,817 $ (76,511 ) $ 362,306 1 Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
Derivative Instruments, Gain (Loss) in Statement of Earnings [Table Text Block]The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands): Three Months Ended March 31, 2019 March 31, 2018 Brokerage and Trading Revenue Gain (Loss) on Derivatives, Net Brokerage and Trading Revenue Gain (Loss)on Derivatives, Net Customer risk management programs: Interest rate contracts To-be-announced residential mortgage-backed securities $ 5,700 $ — $ 6,819 $ — Interest rate swaps 593 — 756 — Energy contracts 226 — 3,140 — Agricultural contracts 4 — 15 — Foreign exchange contracts 154 — 176 — Equity option contracts — — — — Total customer risk management programs 6,677 — 10,906 — Internal risk management programs (7,295 ) 4,667 (1,883 ) (5,685 ) Total derivative contracts $ (618 ) $ 4,667 $ 9,023 $ (5,685 )

Loans and Allowances for Cred_2

Loans and Allowances for Credit Losses (Tables)3 Months Ended
Mar. 31, 2019
Loans Receivable, Net [Abstract]
Schedule of Loans by Portfolio Segment [Table Text Block]Portfolio segments of the loan portfolio are as follows (in thousands): March 31, 2019 December 31, 2018 Fixed Rate Variable Rate Non-accrual Total Fixed Rate Variable Rate Non-accrual Total Commercial $ 3,336,747 $ 10,534,870 $ 90,358 $ 13,961,975 $ 2,251,188 $ 11,285,049 $ 99,841 $ 13,636,078 Commercial real estate 1,004,692 3,574,451 21,508 4,600,651 1,477,274 3,265,918 21,621 4,764,813 Residential mortgage 1,777,510 374,701 40,409 2,192,620 1,830,224 358,254 41,555 2,230,033 Personal 160,472 842,960 302 1,003,734 190,687 834,889 230 1,025,806 Total $ 6,279,421 $ 15,326,982 $ 152,577 $ 21,758,980 $ 5,749,373 $ 15,744,110 $ 163,247 $ 21,656,730 Accruing loans past due (90 days) 1 $ 610 $ 1,338 1 Excludes residential mortgage loans guaranteed by agencies of the U.S. government
Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2019 is summarized as follows (in thousands): Commercial Commercial Real Estate Residential Mortgage Personal Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 102,226 $ 60,026 $ 17,964 $ 9,473 $ 17,768 $ 207,457 Provision for loan losses 11,108 (2,004 ) (2,408 ) (137 ) 1,410 7,969 Loans charged off (10,468 ) — (42 ) (1,265 ) — (11,775 ) Recoveries 711 112 154 712 — 1,689 Ending balance $ 103,577 $ 58,134 $ 15,668 $ 8,783 $ 19,178 $ 205,340 Allowance for off-balance sheet credit losses: Beginning balance $ 1,655 $ 52 $ 52 $ 31 $ — $ 1,790 Provision for off-balance sheet credit losses 70 (4 ) (5 ) (30 ) — 31 Ending balance $ 1,725 $ 48 $ 47 $ 1 $ — $ 1,821 Total provision for credit losses $ 11,178 $ (2,008 ) $ (2,413 ) $ (167 ) $ 1,410 $ 8,000 The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2018 is summarized as follows (in thousands): Commercial Commercial Real Estate Residential Mortgage Personal Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 124,269 $ 56,621 $ 18,451 $ 9,124 $ 22,217 $ 230,682 Provision for loan losses (3,111 ) 266 (162 ) (152 ) (2,242 ) (5,401 ) Loans charged off (1,563 ) — (100 ) (1,227 ) — (2,890 ) Recoveries 488 183 242 663 — 1,576 Ending balance $ 120,083 $ 57,070 $ 18,431 $ 8,408 $ 19,975 $ 223,967 Allowance for off-balance sheet credit losses: Beginning balance $ 3,644 $ 45 $ 43 $ 2 $ — $ 3,734 Provision for off-balance sheet credit losses 383 (1 ) 19 — — 401 Ending balance $ 4,027 $ 44 $ 62 $ 2 $ — $ 4,135 Total provision for credit losses $ (2,728 ) $ 265 $ (143 ) $ (152 ) $ (2,242 ) $ (5,000 ) The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2019 is as follows (in thousands): Collectively Measured for Impairment Individually Measured for Impairment Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,871,617 $ 100,034 $ 90,358 $ 3,543 $ 13,961,975 $ 103,577 Commercial real estate 4,579,143 58,134 21,508 — 4,600,651 58,134 Residential mortgage 2,152,211 15,668 40,409 — 2,192,620 15,668 Personal 1,003,432 8,783 302 — 1,003,734 8,783 Total 21,606,403 182,619 152,577 3,543 21,758,980 186,162 Nonspecific allowance — — — — — 19,178 Total $ 21,606,403 $ 182,619 $ 152,577 $ 3,543 $ 21,758,980 $ 205,340 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2018 is as follows (in thousands): Collectively Measured for Impairment Individually Measured for Impairment Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,536,237 $ 93,494 $ 99,841 $ 8,732 $ 13,636,078 $ 102,226 Commercial real estate 4,743,192 60,026 21,621 — 4,764,813 60,026 Residential mortgage 2,188,478 17,964 41,555 — 2,230,033 17,964 Personal 1,025,576 9,473 230 — 1,025,806 9,473 Total 21,493,483 180,957 163,247 8,732 21,656,730 189,689 Nonspecific allowance — — — — — 17,768 Total $ 21,493,483 $ 180,957 $ 163,247 $ 8,732 $ 21,656,730 $ 207,457
Schedule of Credit Quality Indicators [Table Text Block]The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2019 is as follows (in thousands): Internally Risk Graded Non-Graded Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,931,425 $ 102,646 $ 30,550 $ 931 $ 13,961,975 $ 103,577 Commercial real estate 4,600,651 58,134 — — 4,600,651 58,134 Residential mortgage 275,875 3,176 1,916,745 12,492 2,192,620 15,668 Personal 912,343 6,627 91,391 2,156 1,003,734 8,783 Total 19,720,294 170,583 2,038,686 15,579 21,758,980 186,162 Nonspecific allowance — — — — — 19,178 Total $ 19,720,294 $ 170,583 $ 2,038,686 $ 15,579 $ 21,758,980 $ 205,340 The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2018 is as follows (in thousands): Internally Risk Graded Non-Graded Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Allowance Commercial $ 13,586,654 $ 101,303 $ 49,424 $ 923 $ 13,636,078 $ 102,226 Commercial real estate 4,764,813 60,026 — — 4,764,813 60,026 Residential mortgage 505,046 3,310 1,724,987 14,654 2,230,033 17,964 Personal 948,890 6,633 76,916 2,840 1,025,806 9,473 Total 19,805,403 171,272 1,851,327 18,417 21,656,730 189,689 Nonspecific allowance — — — — — 17,768 Total $ 19,805,403 $ 171,272 $ 1,851,327 $ 18,417 $ 21,656,730 $ 207,457 Loans are considered to be performing if they are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers' ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of “pass.” Performing loans also include past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors' programs. Other loans especially mentioned are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. The risk grading process identified certain loans that have a well-defined weakness (e.g. inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for “substandard.” Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans were not placed in nonaccruing status. Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This is substantially the same criteria used to determine whether a loan is impaired and includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines. The following table summarizes the Company’s loan portfolio at March 31, 2019 by the risk grade categories (in thousands): Internally Risk Graded Non-Graded Performing Pass Other Loans Especially Mentioned Accruing Substandard Nonaccrual Performing Nonaccrual Total Commercial: Energy $ 3,549,167 $ 39,285 $ 81,315 $ 35,332 $ — $ — $ 3,705,099 Services 3,189,490 60,361 28,157 9,555 — — 3,287,563 Wholesale/retail 1,675,248 21,100 9,127 1,425 — — 1,706,900 Manufacturing 677,497 34,033 21,296 9,548 — — 742,374 Healthcare 2,869,515 13,748 13,854 18,768 — — 2,915,885 Public finance 803,083 — — — — — 803,083 Other commercial and industrial 744,082 3,190 7,580 15,669 30,489 61 801,071 Total commercial 13,508,082 171,717 161,329 90,297 30,489 61 13,961,975 Commercial real estate: Residential construction and land development 149,336 — — 350 — — 149,686 Retail 857,698 11,549 1,279 20,159 — — 890,685 Office 1,024,892 4,219 3,192 855 — — 1,033,158 Multifamily 1,203,220 7,136 2 — — — 1,210,358 Industrial 767,757 — — — — — 767,757 Other commercial real estate 546,942 1,071 850 144 — — 549,007 Total commercial real estate 4,549,845 23,975 5,323 21,508 — — 4,600,651 Residential mortgage: Permanent mortgage 272,741 — 2,225 909 800,578 22,028 1,098,481 Permanent mortgages guaranteed by U.S. government agencies — — — — 186,362 6,946 193,308 Home equity — — — — 890,305 10,526 900,831 Total residential mortgage 272,741 — 2,225 909 1,877,245 39,500 2,192,620 Personal 912,187 47 33 76 91,165 226 1,003,734 Total $ 19,242,855 $ 195,739 $ 168,910 $ 112,790 $ 1,998,899 $ 39,787 $ 21,758,980 The following table summarizes the Company’s loan portfolio at December 31, 2018 by the risk grade categories (in thousands): Internally Risk Graded Non-Graded Performing Pass Other Loans Especially Mentioned Accruing Substandard Nonaccrual Performing Nonaccrual Total Commercial: Energy $ 3,414,039 $ 42,176 $ 86,624 $ 47,494 $ — $ — $ 3,590,333 Services 3,167,203 49,761 32,661 8,567 — — 3,258,192 Wholesale/retail 1,593,902 18,809 7,131 1,316 — — 1,621,158 Manufacturing 668,438 30,934 22,230 8,919 — — 730,521 Healthcare 2,730,121 14,920 37,698 16,538 — — 2,799,277 Public finance 804,550 — — — — — 804,550 Other commercial and industrial 756,815 1,266 7,588 16,954 49,371 53 832,047 Total commercial 13,135,068 157,866 193,932 99,788 49,371 53 13,636,078 Commercial real estate: Residential construction and land development 148,234 — — 350 — — 148,584 Retail 885,588 11,926 1,289 20,279 — — 919,082 Office 1,059,334 10,532 3,054 — — — 1,072,920 Multifamily 1,287,471 281 12 301 — — 1,288,065 Industrial 776,898 — 1,208 — — — 778,106 Other commercial real estate 555,301 1,188 876 691 — — 558,056 Total commercial real estate 4,712,826 23,927 6,439 21,621 — — 4,764,813 Residential mortgage: Permanent mortgage 269,678 52 9,730 1,991 819,199 21,960 1,122,610 Permanent mortgages guaranteed by U.S. government agencies — — — — 183,734 7,132 190,866 Home equity 223,298 — 296 — 682,491 10,472 916,557 Total residential mortgage 492,976 52 10,026 1,991 1,685,424 39,564 2,230,033 Personal 944,256 115 4,443 76 76,762 154 1,025,806 Total $ 19,285,126 $ 181,960 $ 214,840 $ 123,476 $ 1,811,557 $ 39,771 $ 21,656,730
Summary of Impaired Loans [Table Text Block]Impaired Loans Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This generally includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools. A summary of impaired loans at March 31, 2019 follows (in thousands): As of For the March 31, 2019 Three Months Ended Recorded Investment March 31, 2019 Unpaid Principal Balance Total With No With Allowance Related Allowance Average Recorded Interest Income Recognized Commercial: Energy $ 72,615 $ 35,332 $ 31,332 $ 4,000 $ 675 $ 45,627 $ — Services 13,744 9,555 9,529 26 26 7,378 — Wholesale/retail 1,642 1,425 1,142 283 101 1,047 — Manufacturing 1 9,697 9,548 9,307 241 241 8,851 — Healthcare 30,189 18,768 15,270 3,498 2,500 14,926 — Public finance — — — — — — — Other commercial and industrial 25,899 15,730 15,730 — — 16,215 — Total commercial 153,786 90,358 82,310 8,048 3,543 94,044 — Commercial real estate: Residential construction and land development 1,306 350 350 — — 350 — Retail 20,491 20,159 20,159 — — 20,219 — Office 855 855 855 — — 427 — Multifamily — — — — — 151 — Industrial — — — — — — — Other commercial real estate 305 144 144 — — 418 — Total commercial real estate 22,957 21,508 21,508 — — 21,565 — Residential mortgage: Permanent mortgage 27,658 22,937 22,937 — — 23,444 298 Permanent mortgage guaranteed by U.S. government agencies 2 198,882 193,308 193,308 — — 196,407 1,905 Home equity 12,279 10,526 10,526 — — 10,499 — Total residential mortgage 238,819 226,771 226,771 — — 230,350 2,203 Personal 358 302 302 — — 266 — Total $ 415,920 $ 338,939 $ 330,891 $ 8,048 $ 3,543 $ 346,225 $ 2,203 1 Impaired manufacturing sector loans included $4.7 million of loans from an affiliated entity, with no allowance as the fair value of the collateral exceeded the outstanding principal balance at March 31, 2019 . 2 All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2019 , the majority were accruing based on the guarantee by U.S. government agencies. Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered. A summary of impaired loans at December 31, 2018 follows (in thousands): Recorded Investment Unpaid Principal Balance Total With No Allowance With Allowance Related Allowance Commercial: Energy $ 79,675 $ 47,494 $ 18,639 $ 28,855 $ 5,362 Services 13,437 8,567 8,489 78 74 Wholesale/retail 1,722 1,316 1,015 301 101 Manufacturing 10,055 8,919 8,673 246 246 Healthcare 24,319 16,538 10,563 5,975 2,949 Public finance — — — — — Other commercial and industrial 26,955 17,007 17,007 — — Total commercial 156,163 99,841 64,386 35,455 8,732 Commercial real estate: Residential construction and land development 1,306 350 350 — — Retail 27,680 20,279 20,279 — — Office — — — — — Multifamily 301 301 301 — — Industrial — — — — — Other commercial real estate 851 691 691 — — Total commercial real estate 30,138 21,621 21,621 — — Residential mortgage: Permanent mortgage 28,716 23,951 23,951 — — Permanent mortgage guaranteed by U.S. government agencies 1 196,296 190,866 190,866 — — Home equity 12,196 10,472 10,472 — — Total residential mortgage 237,208 225,289 225,289 — — Personal 278 230 230 — — Total $ 423,787 $ 346,981 $ 311,526 $ 35,455 $ 8,732 1 All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2018 , the majority were accruing based on the guarantee by U.S. government agencies.
Summary of Loans by Aging Status [Table Text Block]Nonaccrual & Past Due Loans Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans. A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2019 is as follows (in thousands): Past Due Current 30 to 59 Days 60 to 89 Days 90 Days or More Nonaccrual Total Commercial: Energy $ 3,669,767 $ — $ — $ — $ 35,332 $ 3,705,099 Services 3,257,230 20,214 442 122 9,555 3,287,563 Wholesale/retail 1,704,415 833 227 — 1,425 1,706,900 Manufacturing 732,644 182 — — 9,548 742,374 Healthcare 2,888,579 7,837 701 — 18,768 2,915,885 Public finance 803,083 — — — — 803,083 Other commercial and industrial 782,507 2,695 — 139 15,730 801,071 Total commercial 13,838,225 31,761 1,370 261 90,358 13,961,975 Commercial real estate: Residential construction and land development 143,184 6,152 — — 350 149,686 Retail 870,526 — — — 20,159 890,685 Office 1,032,239 — 64 — 855 1,033,158 Multifamily 1,209,726 283 — 349 — 1,210,358 Industrial 767,757 — — — — 767,757 Other commercial real estate 547,563 1,187 113 — 144 549,007 Total commercial real estate 4,570,995 7,622 177 349 21,508 4,600,651 Residential mortgage: Permanent mortgage 1,070,150 5,394 — — 22,937 1,098,481 Permanent mortgages guaranteed by U.S. government agencies 47,639 38,748 — 99,975 6,946 193,308 Home equity 886,019 4,118 168 — 10,526 900,831 Total residential mortgage 2,003,808 48,260 168 99,975 40,409 2,192,620 Personal 1,003,069 347 16 — 302 1,003,734 Total $ 21,416,097 $ 87,990 $ 1,731 $ 100,585 $ 152,577 $ 21,758,980 A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2018 is as follows (in thousands): Past Due Current 30 to 59 Days 60 to 89 Days 90 Days or More Nonaccrual Total Commercial: Energy $ 3,542,839 $ — $ — $ — $ 47,494 $ 3,590,333 Services 3,237,578 6,009 6,038 — 8,567 3,258,192 Wholesale/retail 1,619,290 515 37 — 1,316 1,621,158 Manufacturing 721,204 392 6 — 8,919 730,521 Healthcare 2,781,944 241 — 554 16,538 2,799,277 Public finance 804,550 — — — — 804,550 Other commercial and industrial 814,489 518 25 8 17,007 832,047 Total commercial 13,521,894 7,675 6,106 562 99,841 13,636,078 Commercial real estate: Residential construction and land development 147,705 249 280 — 350 148,584 Retail 884,424 14,379 — — 20,279 919,082 Office 1,072,920 — — — — 1,072,920 Multifamily 1,287,483 281 — — 301 1,288,065 Industrial 776,898 1,208 — — — 778,106 Other commercial real estate 556,239 412 — 714 691 558,056 Total commercial real estate 4,725,669 16,529 280 714 21,621 4,764,813 Residential mortgage: Permanent mortgage 1,095,097 3,196 366 — 23,951 1,122,610 Permanent mortgages guaranteed by U.S. government agencies 37,459 24,369 16,345 105,561 7,132 190,866 Home equity 904,572 1,102 352 59 10,472 916,557 Total residential mortgage 2,037,128 28,667 17,063 105,620 41,555 2,230,033 Personal 1,024,298 479 796 3 230 1,025,806 Total $ 21,308,989 $ 53,350 $ 24,245 $ 106,899 $ 163,247 $ 21,656,730

Leasing Leasing (Tables)

Leasing Leasing (Tables)3 Months Ended
Mar. 31, 2019
Leases [Abstract]
Lease, Cost [Table Text Block]The following represents a summary of operating lease activities (dollars in thousands): March 31, 2019 Operating lease cost recognized as occupancy and equipment expense $ 6,419 Operating cash flows from operating leases 5,914 Weighted-average remaining lease term 10.1 years Weighted-average discount rate operating leases 3.50 %

Mortgage Banking Activities (Ta

Mortgage Banking Activities (Tables)3 Months Ended
Mar. 31, 2019
Mortgage Banking [Abstract]
Components of Residential Mortgage Loans Held For Sale [Table Text Block] March 31, 2019 December 31, 2018 Unpaid Principal Balance/ Notional Fair Value Unpaid Principal Balance/ Notional Fair Value Residential mortgage loans held for sale $ 153,818 $ 155,679 $ 145,057 $ 146,971 Residential mortgage loan commitments 263,434 8,091 160,848 5,378 Forward sales contracts 376,411 (3,613 ) 274,000 (3,128 ) $ 160,157 $ 149,221
Mortgage Banking Revenue [Table Text Block]Mortgage banking revenue was as follows (in thousands): Three Months Ended 2019 2018 Production revenue: Net realized gains on sale of mortgage loans $ 5,693 $ 8,918 Net change in unrealized gain on mortgage loans held for sale (53 ) (1,369 ) Net change in the fair value of mortgage loan commitments 2,713 2,074 Net change in the fair value of forward sales contracts (485 ) (171 ) Total production revenue 7,868 9,452 Servicing revenue 15,966 16,573 Total mortgage banking revenue $ 23,834 $ 26,025
Summary of Mortgage Servicing Rights [Table Text Block]The following represents a summary of mortgage servicing rights (dollars in thousands): March 31, 2019 December 31, 2018 Number of residential mortgage loans serviced for others 131,636,000 132,463,000 Outstanding principal balance of residential mortgage loans serviced for others $ 21,544,295 $ 21,658,335 Weighted average interest rate 4.00 % 3.99 % Remaining term (in months) 292 293
Activity in Capitalized Mortgage Servicing Rights [Table Text Block]The following represents activity in capitalized mortgage servicing rights (in thousands): Three Months Ended 2019 2018 Beginning Balance $ 259,254 $ 252,867 Additions, net 6,188 8,900 Change in fair value due to principal payments (6,583 ) (7,995 ) Change in fair value due to market assumption changes (20,666 ) 21,206 Ending Balance $ 238,193 $ 274,978
Assumptions to Value Mortgage Servicing Rights [Table Text Block]Mortgage servicing rights are not traded in active markets. Fair value is determined by discounting the projected net cash flows. Significant market assumptions used to determine fair value based on significant unobservable inputs were as follows: March 31, 2019 December 31, 2018 Discount rate – risk-free rate plus a market premium 9.83% 9.90% Prepayment rate - based upon loan interest rate, original term and loan type 8.14% - 16.02% 8.05% - 15.74% Loan servicing costs – annually per loan based upon loan type: Performing loans $68 - $94 $67 - $93 Delinquent loans $150 - $500 $150 - $500 Loans in foreclosure $1,000 - $4,000 $1,000 - $4,000 Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life 2.29% 2.57% Primary/secondary mortgage rate spread 105 bps 105 bps

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)3 Months Ended
Mar. 31, 2019
Stockholders' Equity Note [Abstract]
Accumulated Other Comprehensive Income (Loss) [Table Text Block]A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands): Unrealized Gain (Loss) on Available for Sale Securities Employee Benefit Plans Total Balance, December 31, 2017 $ (35,385 ) $ (789 ) $ (36,174 ) Transition adjustment for net unrealized gains on equity securities (2,709 ) — (2,709 ) Net change in unrealized gain (loss) (97,406 ) — (97,406 ) Reclassification adjustments included in earnings: Loss on available for sale securities, net 290 — 290 Other comprehensive income (loss), before income taxes (97,116 ) — (97,116 ) Federal and state income taxes 1 (24,808 ) — (24,808 ) Other comprehensive income (loss), net of income taxes (72,308 ) — (72,308 ) Balance, March 31, 2018 $ (110,402 ) $ (789 ) $ (111,191 ) Balance, December 31, 2018 $ (70,999 ) $ (1,586 ) $ (72,585 ) Net change in unrealized gain (loss) 92,739 — 92,739 Reclassification adjustments included in earnings: Gain on available for sale securities, net (76 ) — (76 ) Other comprehensive income (loss), before income taxes 92,663 — 92,663 Federal and state income taxes 1 23,609 — 23,609 Other comprehensive income (loss), net of income taxes 69,054 — 69,054 Balance, March 31, 2019 $ (1,945 ) $ (1,586 ) $ (3,531 ) 1 Calculated using a 25 percent blended federal and state statutory tax rate.

Earnings Per Share (Tables)

Earnings Per Share (Tables)3 Months Ended
Mar. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share [Table Text Block](In thousands, except share and per share amounts) Three Months Ended 2019 2018 Numerator: Net income attributable to BOK Financial Corp. shareholders $ 110,612 $ 105,562 Less: Earnings allocated to participating securities 828 1,022 Numerator for basic earnings per share – income available to common shareholders 109,784 104,540 Effect of reallocating undistributed earnings of participating securities — — Numerator for diluted earnings per share – income available to common shareholders $ 109,784 $ 104,540 Denominator: Weighted average shares outstanding $ 71,926,041 $ 65,479,482 Less: Participating securities included in weighted average shares outstanding 538,971 632,148 Denominator for basic earnings per common share 71,387,070 64,847,334 Dilutive effect of employee stock compensation plans 1 17,318 40,699 Denominator for diluted earnings per common share $ 71,404,388 $ 64,888,033 Basic earnings per share $ 1.54 $ 1.61 Diluted earnings per share $ 1.54 $ 1.61 1 Excludes employee stock options with exercise prices greater than current market price. — —

Reportable Segments (Tables)

Reportable Segments (Tables)3 Months Ended
Mar. 31, 2019
Segment Reporting [Abstract]
Reportable Segments [Table Text Block]Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2019 is as follows (in thousands): Commercial Consumer Wealth Management Funds Management and Other 1 BOK Financial Consolidated Net interest revenue from external sources $ 204,209 $ 21,595 $ 21,486 $ 30,812 $ 278,102 Net interest revenue (expense) from internal sources (52,562 ) 29,507 6,770 16,285 — Net interest revenue 151,647 51,102 28,256 47,097 278,102 Provision for credit losses 11,245 1,085 (119 ) (4,211 ) 8,000 Net interest revenue after provision for credit losses 140,402 50,017 28,375 51,308 270,102 Other operating revenue 37,612 42,748 73,414 3,496 157,270 Other operating expense 50,177 53,506 61,507 121,967 287,157 Net direct contribution 127,837 39,259 40,282 (67,163 ) 140,215 Gain (loss) on financial instruments, net 18 14,097 — (14,115 ) — Change in fair value of mortgage servicing rights — (20,666 ) — 20,666 — Gain (loss) on repossessed assets, net (346 ) 103 — 243 — Corporate expense allocations 10,148 11,883 8,360 (30,391 ) — Net income before taxes 117,361 20,910 31,922 (29,978 ) 140,215 Federal and state income taxes 31,218 5,326 8,203 (14,797 ) 29,950 Net income 86,143 15,584 23,719 (15,181 ) 110,265 Net income attributable to non-controlling interests — — — (347 ) (347 ) Net income attributable to BOK Financial Corp. shareholders $ 86,143 $ 15,584 $ 23,719 $ (14,834 ) $ 110,612 Average assets $ 19,330,249 $ 8,371,683 $ 9,312,154 $ 2,658,595 $ 39,672,681 1 CoBiz operations are included in Funds Management and Other for the first quarter of 2019. Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2018 is as follows (in thousands): Commercial Consumer Wealth Management Funds Management and Other BOK Financial Consolidated Net interest revenue from external sources $ 160,414 $ 21,753 $ 15,407 $ 22,162 $ 219,736 Net interest revenue (expense) from internal sources (28,343 ) 15,224 9,932 3,187 — Net interest revenue 132,071 36,977 25,339 25,349 219,736 Provision for credit losses 627 1,300 (48 ) (6,879 ) (5,000 ) Net interest revenue after provision for credit losses 131,444 35,677 25,387 32,228 224,736 Other operating revenue 39,676 44,947 74,766 (3,400 ) 155,989 Other operating expense 48,370 54,695 64,942 76,423 244,430 Net direct contribution 122,750 25,929 35,211 (47,595 ) 136,295 Gain (loss) on financial instruments, net 7 (23,262 ) — 23,255 — Change in fair value of mortgage servicing rights — 21,206 — (21,206 ) — Gain (loss) on repossessed assets, net (4,166 ) (108 ) — 4,274 — Corporate expense allocations 10,603 11,188 8,815 (30,606 ) — Net income before taxes 107,988 12,577 26,396 (10,666 ) 136,295 Federal and state income taxes 28,741 3,203 6,787 (7,783 ) 30,948 Net income 79,247 9,374 19,609 (2,883 ) 105,347 Net income attributable to non-controlling interests — — — (215 ) (215 ) Net income (loss) attributable to BOK Financial Corp. shareholders $ 79,247 $ 9,374 $ 19,609 $ (2,668 ) $ 105,562 Average assets $ 17,793,820 $ 8,468,101 $ 8,095,794 $ (632,763 ) $ 33,724,952

Fees and Commissions Revenue _2

Fees and Commissions Revenue Fees and Commissions Rvenue (Tables)3 Months Ended
Mar. 31, 2019
Revenue from Contract with Customer [Abstract]
Disaggregation of Fees and Commissions Revenue [Table Text Block]Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2019 . Commercial Consumer Wealth Management Funds Management & Other 3 Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 12,920 $ — $ 12,920 $ 12,920 $ — Customer hedging revenue 1,575 — 5,728 (626 ) 6,677 6,677 — Retail brokerage revenue — — 4,074 (52 ) 4,022 — 4,022 Insurance brokerage revenue — — 379 3,729 4,108 — 4,108 Investment banking revenue 1,389 — 2,501 — 3,890 1,229 2,661 Brokerage and trading revenue 2,964 — 25,602 3,051 31,617 20,826 10,791 TransFund EFT network revenue 17,654 958 (17 ) 1 18,596 — 18,596 Merchant services revenue 1,925 14 — 123 2,062 — 2,062 Corporate card revenue 80 — — — 80 — 80 Transaction card revenue 19,659 972 (17 ) 124 20,738 — 20,738 Personal trust revenue — — 19,574 — 19,574 — 19,574 Corporate trust revenue — — 6,201 — 6,201 — 6,201 Institutional trust & retirement plan services revenue — — 11,107 — 11,107 — 11,107 Investment management services and other — — 4,801 1,675 6,476 — 6,476 Fiduciary and asset management revenue — — 41,683 1,675 43,358 — 43,358 Commercial account service charge revenue 10,062 387 527 1,807 12,783 — 12,783 Overdraft fee revenue 74 8,395 27 (236 ) 8,260 — 8,260 Check card revenue — 4,992 — 164 5,156 — 5,156 Automated service charge and other deposit fee revenue 158 1,665 177 44 2,044 — 2,044 Deposit service charges and fees 10,294 15,439 731 1,779 28,243 — 28,243 Mortgage production revenue — 7,868 — — 7,868 7,868 — Mortgage servicing revenue — 16,445 — (479 ) 15,966 15,966 — Mortgage banking revenue — 24,313 — (479 ) 23,834 23,834 — Other revenue 5,129 2,097 5,257 279 12,762 8,720 4,042 Total fees and commissions revenue $ 38,046 $ 42,821 $ 73,256 $ 6,429 $ 160,552 $ 53,380 $ 107,172 1 Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance. 2 In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers. 3 CoBiz operations are included in Funds Management and Other for the first quarter of 2019. Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2018 . Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 10,394 $ — $ 10,394 $ 10,394 $ — Customer hedging revenue 2,022 — 6,965 1,920 10,907 10,907 — Retail brokerage revenue — — 4,697 (98 ) 4,599 — 4,599 Insurance brokerage revenue — — 155 — 155 — 155 Investment banking revenue 1,061 — 3,532 — 4,593 1,061 3,532 Brokerage and trading revenue 3,083 — 25,743 1,822 30,648 22,362 8,286 TransFund EFT network revenue 18,202 987 (19 ) 1 19,171 — 19,171 Merchant services revenue 1,804 15 — — 1,819 — 1,819 Corporate card revenue — — — — — — — Transaction card revenue 20,006 1,002 (19 ) 1 20,990 — 20,990 Personal trust revenue — — 20,100 — 20,100 — 20,100 Corporate trust revenue — — 5,641 — 5,641 — 5,641 Institutional trust & retirement plan services revenue — — 11,450 — 11,450 — 11,450 Investment management services and other — — 4,689 (48 ) 4,641 — 4,641 Fiduciary and asset management revenue — — 41,880 (48 ) 41,832 — 41,832 Commercial account service charge revenue 10,944 359 605 — 11,908 — 11,908 Overdraft fee revenue 90 8,484 34 4 8,612 — 8,612 Check card revenue — 4,918 — — 4,918 — 4,918 Automated service charge and other deposit fee revenue 37 1,659 26 1 1,723 — 1,723 Deposit service charges and fees 11,071 15,420 665 5 27,161 — 27,161 Mortgage production revenue — 9,452 — — 9,452 9,452 — Mortgage servicing revenue — 17,027 — (454 ) 16,573 16,573 — Mortgage banking revenue — 26,479 — (454 ) 26,025 26,025 — Other revenue 5,857 2,062 6,538 (1,499 ) 12,958 8,984 3,974 Total fees and commissions revenue $ 40,017 $ 44,963 $ 74,807 $ (173 ) $ 159,614 $ 57,371 $ 102,243 1 Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance. 2 In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)3 Months Ended
Mar. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Assets And Liabilities Measured On A Recurring Basis [Table Text Block]The fair value of financial assets and liabilities measured on a recurring basis was as follows as of March 31, 2019 (in thousands): Total Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Trading securities: U.S. government agency debentures $ 51,576 $ — $ 51,576 $ — U.S. government agency residential mortgage-backed securities 1,952,742 — 1,952,742 — Municipal and other tax-exempt securities 50,637 — 50,637 — Asset-backed securities 40,890 — 40,890 — Other trading securities 44,481 — 44,481 — Total trading securities 2,140,326 — 2,140,326 — Available for sale securities: U.S. Treasury 1,878 1,878 — — Municipal and other tax-exempt securities 2,447 — 2,447 — Residential agency mortgage-backed securities 6,040,086 — 6,040,086 — Residential non-agency mortgage-backed securities 47,958 — 47,958 — Commercial agency mortgage-backed securities 2,932,357 — 2,932,357 — Other debt securities 472 — — 472 Total available for sale securities 9,025,198 1,878 9,022,848 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 707,994 — 707,994 — Residential mortgage loans held for sale 160,157 — 144,381 15,776 Mortgage servicing rights 1 238,193 — — 238,193 Derivative contracts, net of cash collateral 2 359,223 4,720 354,503 — Liabilities: Derivative contracts, net of cash collateral 2 299,698 — 299,698 — 1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6 , Mortgage Banking Activities. 2 See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate and agricultural derivative contacts, net of cash margin. Derivative contacts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate and energy derivative contracts, fully offset by cash margin. The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2018 (in thousands): Total Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Assets: Trading securities: U.S. government agency debentures $ 63,765 $ — $ 63,765 $ — U.S. government agency residential mortgage-backed securities 1,791,584 — 1,791,584 — Municipal and other tax-exempt securities 34,507 — 34,507 — Asset-backed securities 42,656 — 42,656 — Other trading securities 24,411 — 24,411 — Total trading securities 1,956,923 — 1,956,923 — Available for sale securities: U.S. Treasury 493 493 — — Municipal and other tax-exempt securities 2,864 — 2,864 — Residential agency mortgage-backed securities 5,804,708 — 5,804,708 — Residential non-agency mortgage-backed securities 59,736 — 59,736 — Commercial agency mortgage-backed securities 2,953,889 — 2,953,889 — Other debt securities 35,430 — 34,958 472 Total available for sale securities 8,857,120 493 8,856,155 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 283,235 — 283,235 — Residential mortgage loans held for sale 149,221 — 134,014 15,207 Mortgage servicing rights 1 259,254 — — 259,254 Derivative contracts, net of cash collateral 2 320,929 44,074 276,855 — Liabilities: Derivative contracts, net of cash collateral 2 362,306 — 362,306 — 1 A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6 , Mortgage Banking Activities. 2 See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate contracts, fully offset by cash margin.
Fair Value Assets Measured On Recurring Basis, Significant Unobservable Inputs [Table Text Block]The following represents the changes for the three months ended March 31, 2019 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands): Available for Sale Securities Municipal and other tax-exempt securities Other debt securities Residential mortgage loans held for sale Balance, December 31, 2018 $ — $ 472 $ 15,207 Transfer to Level 3 from Level 2 1 — — 982 Purchases — — — Proceeds from sales — — (381 ) Redemptions and distributions — — — Gain (loss) recognized in earnings: Mortgage banking revenue — — (32 ) Other comprehensive income (loss): Net change in unrealized gain (loss) — — — Balance, March 31, 2019 $ — $ 472 $ 15,776 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards. The following represents the changes for the three months ended March 31, 2018 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands): Available for Sale Securities Municipal and other tax-exempt securities Other debt securities Residential mortgage loans held for sale Balance, December 31, 2017 $ 4,802 $ 472 $ 12,299 Transfer to Level 3 from Level 2 1 — — 2,156 Purchases — — — Proceeds from sales — — (324 ) Redemptions and distributions (3,045 ) — — Gain (loss) recognized in earnings: Mortgage banking revenue — — (260 ) Other comprehensive income (loss): Net change in unrealized gain (loss) 134 — — Balance, March 31, 2018 $ 1,891 $ 472 $ 13,871 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
Fair Value Inputs, Fair Value Measured On a Recurring Basis, Quantitative Information [Table Text Block]A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of March 31, 2019 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Available for sale securities – Other debt securities 472 Discounted cash flows 1 Interest rate spread 6.83%-6.83% (6.83%) 3 94.39%-94.39% (94.39%) 2 Residential mortgage loans held for sale 15,766 Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Liquidity discount applied to the market value of mortgage loans qualifying for sale to U.S. government agencies. 92.40% 1 Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume. 2 Represents fair value as a percentage of par value. 3 Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent . A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of December 31, 2018 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Available for sale securities – Other debt securities 472 Discounted cash flows 1 Interest rate spread 7.88%-7.88% (7.88%) 3 94.44%-94.44% (94.44%) 2 Residential mortgage loans held for sale 15,207 Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Liquidity discount applied to the market value of mortgage loans qualifying for sale to U.S. government agencies. 92.38% 1 Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume 2 Represents fair value as a percentage of par value. 3 Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent
Fair Value Assets Measured on Nonrecurring Basis [Table Text Block]The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at March 31, 2019 for which the fair value was adjusted during the three months ended March 31, 2019 : Fair Value Adjustments for the Carrying Value at March 31, 2019 Three Months Ended Quoted Prices in Active Markets for Identical Instruments Significant Other Observable Inputs Significant Unobservable Inputs Gross charge-offs against allowance for loan losses Net losses and expenses of repossessed assets, net Impaired loans $ — $ — $ 9,712 $ 9,581 $ — Real estate and other repossessed assets — 2,688 144 — 434 The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at March 31, 2018 for which the fair value was adjusted during the three months ended March 31, 2018 : Fair Value Adjustments for the Carrying Value at March 31, 2018 Three Months Ended Quoted Prices in Active Markets for Identical Instruments Significant Other Observable Inputs Significant Unobservable Inputs Gross charge-offs against allowance for loan losses Net losses and expenses of repossessed assets, net Impaired loans $ — $ 32 $ 410 $ 497 $ — Real estate and other repossessed assets — 863 7,094 — 5,192
Fair Value Inputs, Fair Value Measured On a Nonrecurring Basis, Quantitative Information [Table Text Block]A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of March 31, 2019 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Impaired loans $ 9,712 Discounted cash flows Management knowledge of industry and non-real estate collateral including but not limited to recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs 14% - 74% (31%) 1 Real estate and other repossessed assets 144 Appraised value, as adjusted Marketability adjustments off appraised value 2 75% - 85% (79%) 1 Represents fair value as a percentage of the unpaid principal balance. 2 Marketability adjustments include consideration of estimated costs to sell which is approximately 10% of the fair value. A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2018 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) Impaired loans $ 17,401 Discounted cash flows Management knowledge of industry and non-real estate collateral including but not limited to recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs 35% - 80% (50%) 1 Real estate and other repossessed assets 6,366 Discounted cash flows Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs N/A 1
Fair Value of Financial Instruments [Table Text Block]The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of March 31, 2019 (dollars in thousands): Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Cash and due from banks $ 718,297 $ 718,297 $ 718,297 $ — $ — Interest-bearing cash and cash equivalents 564,404 564,404 564,404 — — Trading securities: U.S. government agency debentures 51,576 51,576 — 51,576 — U.S. government agency residential mortgage-backed securities 1,952,742 1,952,742 — 1,952,742 — Municipal and other tax-exempt securities 50,637 50,637 — 50,637 — Asset-backed securities 40,890 40,890 — 40,890 — Other trading securities 44,481 44,481 — 44,481 — Total trading securities 2,140,326 2,140,326 — 2,140,326 — Investment securities: Municipal and other tax-exempt securities 126,544 129,072 — 129,072 — U.S. government agency residential mortgage-backed securities 12,106 12,388 — 12,388 — Other debt securities 192,816 207,028 — 8,209 198,819 Total investment securities 331,466 348,488 — 149,669 198,819 Available for sale securities: U.S. Treasury 1,878 1,878 1,878 — — Municipal and other tax-exempt securities 2,447 2,447 — 2,447 — Residential agency mortgage-backed securities 6,040,086 6,040,086 — 6,040,086 — Residential non-agency mortgage-backed securities 47,958 47,958 — 47,958 — Commercial agency mortgage-backed securities 2,932,357 2,932,357 — 2,932,357 — Other debt securities 472 472 — — 472 Total available for sale securities 9,025,198 9,025,198 1,878 9,022,848 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 707,994 707,994 — 707,994 — Residential mortgage loans held for sale 160,157 160,157 — 144,381 15,776 Loans: Commercial 13,961,975 13,886,769 — — 13,886,769 Commercial real estate 4,600,651 4,589,189 — — 4,589,189 Residential mortgage 2,192,620 2,196,914 — — 2,196,914 Personal 1,003,734 1,001,193 — — 1,001,193 Total loans 21,758,980 21,674,065 — — 21,674,065 Allowance for loan losses (205,340 ) — — — — Loans, net of allowance 21,553,640 21,674,065 — — 21,674,065 Mortgage servicing rights 238,193 238,193 — — 238,193 Derivative instruments with positive fair value, net of cash collateral 359,223 359,223 4,720 354,503 — Deposits with no stated maturity 23,133,413 23,133,413 — — 23,133,413 Time deposits 2,198,389 2,181,872 — — 2,181,872 Other borrowed funds 8,780,766 8,750,845 — — 8,750,845 Subordinated debentures 275,880 273,656 — 273,656 — Derivative instruments with negative fair value, net of cash collateral 299,698 299,698 — 299,698 — The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2018 (dollars in thousands): Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs Cash and due from banks $ 741,749 $ 741,749 $ 741,749 $ — $ — Interest-bearing cash and cash equivalents 401,675 401,675 401,675 — — Trading securities: U.S. government agency debentures 63,765 63,765 — 63,765 — U.S. government agency residential mortgage-backed securities 1,791,584 1,791,584 — 1,791,584 — Municipal and other tax-exempt securities 34,507 34,507 — 34,507 — Asset-backed securities 42,656 42,656 — 42,656 — Other trading securities 24,411 24,411 — 24,411 — Total trading securities 1,956,923 1,956,923 — 1,956,923 — Investment securities: Municipal and other tax-exempt securities 137,296 138,562 — 138,562 — U.S. government agency residential mortgage-backed securities 12,612 12,770 — 12,770 — Other debt securities 205,279 215,966 — 7,905 208,061 Total investment securities 355,187 367,298 — 159,237 208,061 Available for sale securities: U.S. Treasury 493 493 493 — — Municipal and other tax-exempt securities 2,864 2,864 — 2,864 — Residential agency mortgage-backed securities 5,804,708 5,804,708 — 5,804,708 — Residential non-agency mortgage-backed securities 59,736 59,736 — 59,736 — Commercial agency mortgage-backed securities 2,953,889 2,953,889 — 2,953,889 — Other debt securities 35,430 35,430 — 34,958 472 Total available for sale securities 8,857,120 8,857,120 493 8,856,155 472 Fair value option securities – U.S. government agency residential mortgage-backed securities 283,235 283,235 — 283,235 — Residential mortgage loans held for sale 149,221 149,221 — 134,014 15,207 Loans: Commercial 13,636,078 13,526,162 — — 13,526,162 Commercial real estate 4,764,813 4,713,747 — — 4,713,747 Residential mortgage 2,230,033 2,213,951 — — 2,213,951 Personal 1,025,806 1,024,368 — — 1,024,368 Total loans 21,656,730 21,478,228 — — 21,478,228 Allowance for loan losses (207,457 ) — — — — Loans, net of allowance 21,449,273 21,478,228 — — 21,478,228 Mortgage servicing rights 259,254 259,254 — — 259,254 Derivative instruments with positive fair value, net of cash collateral 320,929 320,929 44,074 276,855 — Deposits with no stated maturity 23,150,383 23,150,383 — — 23,150,383 Time deposits 2,113,380 2,073,538 — — 2,073,538 Other borrowed funds 7,142,801 7,071,953 — — 7,071,953 Subordinated debentures 275,913 261,977 — 261,977 — Derivative instruments with negative fair value, net of cash collateral 362,306 362,306 — 362,306 —

Federal and State Income Taxe_2

Federal and State Income Taxes Federal and State Income Taxes (Tables)3 Months Ended
Mar. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]The reconciliation of income attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands): Three Months Ended 2019 2018 Amount: Federal statutory tax $ 29,445 $ 28,622 Tax exempt revenue (2,757 ) (1,812 ) Effect of state income taxes, net of federal benefit 3,851 3,657 Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (1,608 ) (1,458 ) Share-based compensation (529 ) (1,620 ) Implementation of Tax Reform Act — 1,895 Other, net 1,548 1,664 Total income tax expense $ 29,950 $ 30,948 Three Months Ended 2019 2018 Percent of pretax income: Federal statutory tax 21.0 % 21.0 % Tax exempt revenue (2.0 ) (1.3 ) Effect of state income taxes, net of federal benefit 2.7 2.7 Utilization of tax credits, net of proportional amortization of low-income housing limited partnership investments (1.1 ) (1.1 ) Share-based compensation (0.4 ) (1.2 ) Implementation of Tax Reform Act — 1.4 Other, net 1.2 1.2 Total 21.4 % 22.7 %

Significant Accounting Polici_3

Significant Accounting Policies Loans and Allowance for Credit Losses (Details)3 Months Ended
Mar. 31, 2019
Loans and Allowance for Credit Losses [Abstract]
Loans, Number of Days Past Due for a Non-Risk Graded Loan to be Placed on Nonaccruing Status90 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Placed on Nonaccruing Status60 days
Loans and Allowances for Credit Losses, Minimum No of Days After Which Past Due Non-Risk Graded Loans Are Charged Off60 days
Loans and Allowances for Credit Losses, Maximum No of Days After Which Past Due Non-Risk Graded Loans Are Charged Off180 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Charged Off60 days

Significant Accounting Polici_4

Significant Accounting Policies Newly Adopted and Pending Accounting Pronouncements (Details) $ in MillionsJan. 01, 2019USD ($)
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Operating Lease, Right-of-Use Asset $ 137

Trading Securities (Details)

Trading Securities (Details) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018
Schedule of Trading Securities [Line Items]
Trading securities $ 2,140,326 $ 1,956,923
Trading Securities, Net Unrealized Gain (Loss)12,898 10,969
U.S. government agency debentures [Member]
Schedule of Trading Securities [Line Items]
Trading securities51,576 63,765
Trading Securities, Net Unrealized Gain (Loss)52 254
Residential agency mortgage-backed securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities1,952,742 1,791,584
Trading Securities, Net Unrealized Gain (Loss)12,377 9,966
Municipal and other tax-exempt securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities50,637 34,507
Trading Securities, Net Unrealized Gain (Loss)225 (1)
Asset-backed securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities40,890 42,656
Trading Securities, Net Unrealized Gain (Loss)128 685
Other debt securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities44,481 24,411
Trading Securities, Net Unrealized Gain (Loss) $ 116 $ 65

Investment (Held-to-Maturity) S

Investment (Held-to-Maturity) Securities (Details) $ in Thousands3 Months Ended
Mar. 31, 2019USD ($)Dec. 31, 2018USD ($)
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investments Securities, Amortized Cost $ 331,466 $ 355,187
Investment Securities, fair value348,488 367,298
Investment Securities, Gross Unrealized Gain18,152 14,408
Investment Securities, Gross Unrealized Loss(1,130)(2,297)
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investments Securities, Debt Maturities, Amortized Cost331,466 355,187
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, Fair Value $ 348,488 $ 367,298
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions82 146
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 259 $ 31,627
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value74,834 94,802
Investment Securities, Continuous Unrealized Loss Position, Fair Value75,093 126,429
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss2 133
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss1,128 2,164
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss1,130 2,297
Fixed Maturity Securities [Member]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value52,230
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value105,189
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value136,731
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value25,210
Investment Securities, Debt Maturities, Single Maturity Date, Net Carrying Value319,360
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, Less Than One Year, Fair Value52,406
Investment Securities, Debt Maturities, One to Five Years, Fair Value108,571
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value149,919
Investment Securities, Debt Maturities, Over Ten Years, Fair Value25,204
Investment Securities, Debt Maturities, Single Maturity Date, Fair Value $ 336,100
Investment Securities, Debt Maturities, Weighted Average Maturity[1]5.23
Municipal and other tax-exempt securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investments Securities, Amortized Cost $ 126,544 137,296
Investment Securities, fair value129,072 138,562
Investment Securities, Gross Unrealized Gain2,712 1,858
Investment Securities, Gross Unrealized Loss(184)(592)
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investments Securities, Debt Maturities, Amortized Cost126,544 137,296
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, Fair Value $ 129,072 $ 138,562
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions50 72
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 234 $ 18,255
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value52,434 66,141
Investment Securities, Continuous Unrealized Loss Position, Fair Value52,668 84,396
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss1 69
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss183 523
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss184 592
Other debt securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investments Securities, Amortized Cost192,816 205,279
Investment Securities, fair value207,028 215,966
Investment Securities, Gross Unrealized Gain15,091 12,257
Investment Securities, Gross Unrealized Loss(879)(1,570)
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investments Securities, Debt Maturities, Amortized Cost192,816 205,279
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, Fair Value $ 207,028 $ 215,966
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions30 72
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 25 $ 13,372
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value16,932 23,028
Investment Securities, Continuous Unrealized Loss Position, Fair Value16,957 36,400
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss1 64
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss878 1,506
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss879 1,570
Residential agency mortgage-backed securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investments Securities, Amortized Cost12,106 12,612
Investment Securities, fair value12,388 12,770
Investment Securities, Gross Unrealized Gain349 293
Investment Securities, Gross Unrealized Loss(67)(135)
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investment Securities, Debt Maturities, without Single Maturity Date, Net Carrying Value12,106
Investments Securities, Debt Maturities, Amortized Cost12,106 12,612
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, without Single Maturity Date, Fair Value12,388
Investment Securities, Debt Maturities, Fair Value $ 12,388 $ 12,770
Investment Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities4 years 8 months 12 days
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions2 2
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value5,468 5,633
Investment Securities, Continuous Unrealized Loss Position, Fair Value5,468 5,633
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss0 0
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss67 135
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 67 $ 135
[1]Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.

Available for Sale Securities (

Available for Sale Securities (Details) $ in Thousands3 Months Ended
Mar. 31, 2019USD ($)Mar. 31, 2018USD ($)Dec. 31, 2018USD ($)
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 9,027,806 $ 8,952,391
Available for sale securities9,025,198 8,857,120
Available-for-sale Securities, Gross Unrealized Gain66,888 42,986
Available-for-sale Securities, Gross Unrealized Loss(69,496)(138,257)
Pledged Assets Separately Reported, Securities Pledged as Collateral, at Fair Value10,300,000 $ 9,100,000
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Proceeds from sales of available for sale securities245,259 $ 44,790
Available-for-sale Securities, Gross realized gains5,298 193
Available-for-sale Securities, Gross realized losses(5,222)(483)
Available-for-sale Securities, Related federal and state income tax expense $ 19 $ (74)
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions415 490
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 732,623 $ 700,064
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value4,843,129 5,631,803
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value5,575,752 6,331,867
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss1,849 1,615
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss67,647 136,642
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss69,496 138,257
Fixed Maturity Securities [Member]
Debt Securities, Available-for-sale, Maturity, Amortized Cost, Rolling Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis94,933
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis983,438
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis1,467,481
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis391,939
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost2,937,791
Debt Securities, Available-for-sale, Maturity, Fair Value, Rolling Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value94,398
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value976,737
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value1,473,499
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value392,520
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value $ 2,937,154
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity7.30
U.S. Treasury [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 1,880 496
Available for sale securities1,878 493
Available-for-sale Securities, Gross Unrealized Gain0 0
Available-for-sale Securities, Gross Unrealized Loss $ (2) $ (3)
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions1 1
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value495 493
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value495 493
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss2 3
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss2 3
Municipal and other tax-exempt securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost2,365 2,782
Available for sale securities2,447 2,864
Available-for-sale Securities, Gross Unrealized Gain82 82
Available-for-sale Securities, Gross Unrealized Loss0 0
Commercial mortgage-backed securities guaranteed by U.S. government agencies [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost2,933,046 2,986,297
Available for sale securities2,932,357 2,953,889
Available-for-sale Securities, Gross Unrealized Gain17,022 7,955
Available-for-sale Securities, Gross Unrealized Loss $ (17,711) $ (40,363)
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions169 197
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 432,254 $ 179,258
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value1,590,803 1,969,504
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value2,023,057 2,148,762
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss833 394
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss16,878 39,969
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss17,711 40,363
Other debt securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost500 35,545
Available for sale securities472 35,430
Available-for-sale Securities, Gross Unrealized Gain0 12
Available-for-sale Securities, Gross Unrealized Loss $ (28) $ (127)
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions1 3
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 9,982
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value472 20,436
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value472 30,418
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss0 63
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss28 64
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss28 127
Residential Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Maturity, Amortized Cost, Rolling Maturity [Abstract]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost6,090,015
Debt Securities, Available-for-sale, Maturity, Fair Value, Rolling Maturity [Abstract]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value $ 6,088,044
Available-for-sale Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities4 years 1 month 6 days
Residential agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 6,056,710 5,886,323
Available for sale securities6,040,086 5,804,708
Available-for-sale Securities, Gross Unrealized Gain35,131 16,149
Available-for-sale Securities, Gross Unrealized Loss $ (51,755) $ (97,764)
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions244 289
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 300,369 $ 510,824
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value3,251,359 3,641,370
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value3,551,728 4,152,194
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss1,016 1,158
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss50,739 96,606
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss51,755 97,764
Residential non-agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost33,305 40,948
Available for sale securities47,958 59,736
Available-for-sale Securities, Gross Unrealized Gain14,653 18,788
Available-for-sale Securities, Gross Unrealized Loss $ 0 $ 0

Derivatives, Fair Value of Deri

Derivatives, Fair Value of Derivatives Contracts (Details) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018
Derivative Assets, Fair Value, Net [Abstract]
Derviative contracts, net of cash collateral, Assets, Fair value $ 359,223 $ 320,929
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Fair Value, Net of Cash Collateral299,698 362,306
Not Designated as Hedging Instrument [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional41,151,310 [1]30,272,764 [2]
Derivative Liabilities, Notional41,993,255 [1]33,838,893 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value613,953 571,793
Derivative Assets, Netting Adjustments(243,077)(135,530)
Derivative Assets, Net Fair Value Before Cash Collateral370,876 436,263
Derivative Assets, Cash Collateral(11,653)(115,334)
Derviative contracts, net of cash collateral, Assets, Fair value359,223 320,929
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value621,558 574,347
Derivative Liabilities, Netting Adjustments(243,077)(135,530)
Derivative Liabilities, Net Fair Value Before Cash Collateral378,481 438,817
Derivative Liabilities, Cash Collateral(78,783)(76,511)
Derivative Liabilities, Fair Value, Net of Cash Collateral299,698 362,306
Not Designated as Hedging Instrument [Member] | Total customer risk management programs
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional15,222,594 [1]14,362,776 [2]
Derivative Liabilities, Notional14,951,483 [1]14,204,251 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value480,979 521,383
Derivative Assets, Netting Adjustments(126,825)(94,659)
Derivative Assets, Net Fair Value Before Cash Collateral354,154 426,724
Derivative Assets, Cash Collateral(11,653)(115,334)
Derviative contracts, net of cash collateral, Assets, Fair value342,501 311,390
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value469,872 507,925
Derivative Liabilities, Netting Adjustments(126,825)(94,659)
Derivative Liabilities, Net Fair Value Before Cash Collateral343,047 413,266
Derivative Liabilities, Cash Collateral(75,246)(69,196)
Derivative Liabilities, Fair Value, Net of Cash Collateral267,801 344,070
Not Designated as Hedging Instrument [Member] | To-be-announced residential mortgage-backed securities [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional11,338,256 [1]10,671,151 [2]
Derivative Liabilities, Notional11,140,756 [1]10,558,151 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value91,727 92,231
Derivative Assets, Netting Adjustments(33,983)(26,787)
Derivative Assets, Net Fair Value Before Cash Collateral57,744 65,444
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value57,744 65,444
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value89,929 90,388
Derivative Liabilities, Netting Adjustments(33,983)(26,787)
Derivative Liabilities, Net Fair Value Before Cash Collateral55,946 63,601
Derivative Liabilities, Cash Collateral(55,879)(63,596)
Derivative Liabilities, Fair Value, Net of Cash Collateral67 5
Not Designated as Hedging Instrument [Member] | Interest rate swaps [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional2,047,117 [1]1,924,131 [2]
Derivative Liabilities, Notional2,047,117 [1]1,924,131 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value36,602 36,112
Derivative Assets, Netting Adjustments(8,296)(6,688)
Derivative Assets, Net Fair Value Before Cash Collateral28,306 29,424
Derivative Assets, Cash Collateral(593)(7,934)
Derviative contracts, net of cash collateral, Assets, Fair value27,713 21,490
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value36,644 36,288
Derivative Liabilities, Netting Adjustments(8,296)(6,688)
Derivative Liabilities, Net Fair Value Before Cash Collateral28,348 29,600
Derivative Liabilities, Cash Collateral(14,345)(4,110)
Derivative Liabilities, Fair Value, Net of Cash Collateral14,003 25,490
Not Designated as Hedging Instrument [Member] | Energy contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional1,501,876 [1]1,472,209 [2]
Derivative Liabilities, Notional1,433,137 [1]1,434,247 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value123,485 206,418
Derivative Assets, Netting Adjustments(84,482)(60,983)
Derivative Assets, Net Fair Value Before Cash Collateral39,003 145,435
Derivative Assets, Cash Collateral(10,130)(106,752)
Derviative contracts, net of cash collateral, Assets, Fair value28,873 38,683
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value119,097 202,494
Derivative Liabilities, Netting Adjustments(84,482)(60,983)
Derivative Liabilities, Net Fair Value Before Cash Collateral34,615 141,511
Derivative Liabilities, Cash Collateral(4,608)(1,490)
Derivative Liabilities, Fair Value, Net of Cash Collateral30,007 140,021
Not Designated as Hedging Instrument [Member] | Agricultural contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional23,660 [1]21,210 [2]
Derivative Liabilities, Notional23,636 [1]21,214 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value2,696 842
Derivative Assets, Netting Adjustments(64)(201)
Derivative Assets, Net Fair Value Before Cash Collateral2,632 641
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value2,632 641
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value2,662 812
Derivative Liabilities, Netting Adjustments(64)(201)
Derivative Liabilities, Net Fair Value Before Cash Collateral2,598 611
Derivative Liabilities, Cash Collateral0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral2,598 611
Not Designated as Hedging Instrument [Member] | Foreign exchange contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional224,741 [1]184,990 [2]
Derivative Liabilities, Notional219,893 [1]177,423 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value223,329 183,759
Derivative Assets, Netting Adjustments0 0
Derivative Assets, Net Fair Value Before Cash Collateral223,329 183,759
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value223,329 183,759
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value218,400 175,922
Derivative Liabilities, Netting Adjustments0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral218,400 175,922
Derivative Liabilities, Cash Collateral(414)0
Derivative Liabilities, Fair Value, Net of Cash Collateral217,986 175,922
Not Designated as Hedging Instrument [Member] | Equity option contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional86,944 [1]89,085 [2]
Derivative Liabilities, Notional86,944 [1]89,085 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value3,140 2,021
Derivative Assets, Netting Adjustments0 0
Derivative Assets, Net Fair Value Before Cash Collateral3,140 2,021
Derivative Assets, Cash Collateral(930)(648)
Derviative contracts, net of cash collateral, Assets, Fair value2,210 1,373
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value3,140 2,021
Derivative Liabilities, Netting Adjustments0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral3,140 2,021
Derivative Liabilities, Cash Collateral0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral3,140 2,021
Not Designated as Hedging Instrument [Member] | Internal risk management programs [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional25,928,716 [1]15,909,988 [2]
Derivative Liabilities, Notional27,041,772 [1]19,634,642 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value132,974 50,410
Derivative Assets, Netting Adjustments(116,252)(40,871)
Derivative Assets, Net Fair Value Before Cash Collateral16,722 9,539
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value16,722 9,539
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value151,686 66,422
Derivative Liabilities, Netting Adjustments(116,252)(40,871)
Derivative Liabilities, Net Fair Value Before Cash Collateral35,434 25,551
Derivative Liabilities, Cash Collateral(3,537)(7,315)
Derivative Liabilities, Fair Value, Net of Cash Collateral $ 31,897 $ 18,236
[1]Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
[2]Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.

Derivatives, Derivatives Instru

Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue $ (618) $ 9,023
Gain (Loss) on Derivatives, Net4,667 (5,685)
To-be-announced residential mortgage-backed securities [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue5,700 6,819
Gain (Loss) on Derivatives, Net0 0
Interest rate swaps [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue593 756
Gain (Loss) on Derivatives, Net0 0
Energy contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue226 3,140
Gain (Loss) on Derivatives, Net0 0
Agricultural contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue4 15
Gain (Loss) on Derivatives, Net0 0
Foreign exchange contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue154 176
Gain (Loss) on Derivatives, Net0 0
Equity option contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue0 0
Gain (Loss) on Derivatives, Net0 0
Total customer risk management programs
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue6,677 10,906
Gain (Loss) on Derivatives, Net0 0
Internal risk management programs [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue(7,295)(1,883)
Gain (Loss) on Derivatives, Net $ 4,667 $ (5,685)

Loans and Allowance for Credit

Loans and Allowance for Credit Losses, Loans by Portfolio Type (Details) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest $ 6,279,421 $ 5,749,373
Loans, variable rate of interest15,326,982 15,744,110
Loans, non-accrual152,577 163,247
Total21,758,980 21,656,730
Accruing loans past due (90 days)[1]610 1,338
Credit Commitments [Abstract]
Outstanding commitments to extend credit12,000,000
Commercial [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest3,336,747 2,251,188
Loans, variable rate of interest10,534,870 11,285,049
Loans, non-accrual90,358 99,841
Total13,961,975 13,636,078
Credit Commitments [Abstract]
Outstanding standby letters of credit720,000
Commercial real estate [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest1,004,692 1,477,274
Loans, variable rate of interest3,574,451 3,265,918
Loans, non-accrual21,508 21,621
Total4,600,651 4,764,813
Residential mortgage [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest1,777,510 1,830,224
Loans, variable rate of interest374,701 358,254
Loans, non-accrual40,409 41,555
Total2,192,620 2,230,033
Personal [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest160,472 190,687
Loans, variable rate of interest842,960 834,889
Loans, non-accrual302 230
Total $ 1,003,734 $ 1,025,806
[1]Excludes residential mortgage loans guaranteed by agencies of the U.S. government

Loans and Allowances for Cred_3

Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018Mar. 31, 2019Dec. 31, 2018
Allowance for loan losses [Roll Forward]
Beginning balance $ 207,457 $ 230,682
Provision for loan losses7,969 (5,401)
Loans charged off(11,775)(2,890)
Recoveries1,689 1,576
Ending balance205,340 223,967
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance1,790 3,734
Provision for off-balance sheet credit losses31 401
Ending balance1,821 4,135
Total provision for credit losses8,000 (5,000)
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment $ 21,606,403 $ 21,493,483
Individually measured for impairment, recorded investment152,577 163,247
Total21,758,980 21,656,730
Related allowance [Abstract]
Collectively measured for impairment, related allowance182,619 180,957
Individually measured for impairment, related allowance3,543 8,732
Total207,457 230,682 205,340 207,457
Commercial [Member]
Allowance for loan losses [Roll Forward]
Beginning balance102,226 124,269
Provision for loan losses11,108 (3,111)
Loans charged off(10,468)(1,563)
Recoveries711 488
Ending balance103,577 120,083
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance1,655 3,644
Provision for off-balance sheet credit losses70 383
Ending balance1,725 4,027
Total provision for credit losses11,178 (2,728)
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment13,871,617 13,536,237
Individually measured for impairment, recorded investment90,358 99,841
Total13,961,975 13,636,078
Related allowance [Abstract]
Collectively measured for impairment, related allowance100,034 93,494
Individually measured for impairment, related allowance3,543 8,732
Total103,577 124,269 103,577 102,226
Commercial real estate [Member]
Allowance for loan losses [Roll Forward]
Beginning balance60,026 56,621
Provision for loan losses(2,004)266
Loans charged off0 0
Recoveries112 183
Ending balance58,134 57,070
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance52 45
Provision for off-balance sheet credit losses(4)(1)
Ending balance48 44
Total provision for credit losses(2,008)265
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment4,579,143 4,743,192
Individually measured for impairment, recorded investment21,508 21,621
Total4,600,651 4,764,813
Related allowance [Abstract]
Collectively measured for impairment, related allowance58,134 60,026
Individually measured for impairment, related allowance0 0
Total60,026 56,621 58,134 60,026
Residential mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance17,964 18,451
Provision for loan losses(2,408)(162)
Loans charged off(42)(100)
Recoveries154 242
Ending balance15,668 18,431
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance52 43
Provision for off-balance sheet credit losses(5)19
Ending balance47 62
Total provision for credit losses(2,413)(143)
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment2,152,211 2,188,478
Individually measured for impairment, recorded investment40,409 41,555
Total2,192,620 2,230,033
Related allowance [Abstract]
Collectively measured for impairment, related allowance15,668 17,964
Individually measured for impairment, related allowance0 0
Total15,668 18,451 15,668 17,964
Personal [Member]
Allowance for loan losses [Roll Forward]
Beginning balance9,473 9,124
Provision for loan losses(137)(152)
Loans charged off(1,265)(1,227)
Recoveries712 663
Ending balance8,783 8,408
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance31 2
Provision for off-balance sheet credit losses(30)0
Ending balance1 2
Total provision for credit losses(167)(152)
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment1,003,432 1,025,576
Individually measured for impairment, recorded investment302 230
Total1,003,734 1,025,806
Related allowance [Abstract]
Collectively measured for impairment, related allowance8,783 9,473
Individually measured for impairment, related allowance0 0
Total9,473 9,124 8,783 9,473
Specific Allowance [Member]
Allowance for loan losses [Roll Forward]
Beginning balance189,689
Ending balance186,162
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment21,606,403 21,493,483
Individually measured for impairment, recorded investment152,577 163,247
Total21,758,980 21,656,730
Related allowance [Abstract]
Collectively measured for impairment, related allowance182,619 180,957
Individually measured for impairment, related allowance3,543 8,732
Total186,162 186,162 189,689
Nonspecific Allowance [Member]
Allowance for loan losses [Roll Forward]
Beginning balance17,768 22,217
Provision for loan losses1,410 (2,242)
Loans charged off0 0
Recoveries0 0
Ending balance19,178 19,975
Allowance for off-balance sheet credit losses [Roll Forward]
Beginning balance0 0
Provision for off-balance sheet credit losses0 0
Ending balance0 0
Total provision for credit losses1,410 (2,242)
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment0 0
Individually measured for impairment, recorded investment0 0
Total0 0
Related allowance [Abstract]
Collectively measured for impairment, related allowance0 0
Individually measured for impairment, related allowance0 0
Total $ 19,178 $ 22,217 $ 19,178 $ 17,768

Loans and Allowances for Cred_4

Loans and Allowances for Credit Losses, Credit Quality Indicators (Details) - USD ($) $ in ThousandsMar. 31, 2019Dec. 31, 2018Mar. 31, 2018Dec. 31, 2017
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment $ 19,720,294 $ 19,805,403
Non-Graded, Recorded Investment2,038,686 1,851,327
Total21,758,980 21,656,730
Related Allowance [Abstract]
Internally Risk Graded, Allowance170,583 171,272
Non-Graded, Allowance15,579 18,417
Total205,340 207,457 $ 223,967 $ 230,682
Commercial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment13,931,425 13,586,654
Non-Graded, Recorded Investment30,550 49,424
Total13,961,975 13,636,078
Related Allowance [Abstract]
Internally Risk Graded, Allowance102,646 101,303
Non-Graded, Allowance931 923
Total103,577 102,226 120,083 124,269
Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Total3,705,099 3,590,333
Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Total3,287,563 3,258,192
Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Total1,706,900 1,621,158
Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Total742,374 730,521
Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Total2,915,885 2,799,277
Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Total803,083 804,550
Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Total801,071 832,047
Commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment4,600,651 4,764,813
Non-Graded, Recorded Investment0 0
Total4,600,651 4,764,813
Related Allowance [Abstract]
Internally Risk Graded, Allowance58,134 60,026
Non-Graded, Allowance0 0
Total58,134 60,026 57,070 56,621
Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Total149,686 148,584
Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Total890,685 919,082
Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Total1,033,158 1,072,920
Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Total1,210,358 1,288,065
Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Total767,757 778,106
Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Total549,007 558,056
Residential mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment275,875 505,046
Non-Graded, Recorded Investment1,916,745 1,724,987
Total2,192,620 2,230,033
Related Allowance [Abstract]
Internally Risk Graded, Allowance3,176 3,310
Non-Graded, Allowance12,492 14,654
Total15,668 17,964 18,431 18,451
Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Total1,098,481 1,122,610
Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Total193,308 190,866
Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Total900,831 916,557
Personal [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment912,343 948,890
Non-Graded, Recorded Investment91,391 76,916
Total1,003,734 1,025,806
Related Allowance [Abstract]
Internally Risk Graded, Allowance6,627 6,633
Non-Graded, Allowance2,156 2,840
Total8,783 9,473 8,408 9,124
Specific Allowance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment19,720,294 19,805,403
Non-Graded, Recorded Investment2,038,686 1,851,327
Total21,758,980 21,656,730
Related Allowance [Abstract]
Internally Risk Graded, Allowance170,583 171,272
Non-Graded, Allowance15,579 18,417
Total186,162 189,689
Nonspecific Allowance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Non-Graded, Recorded Investment0 0
Total0 0
Related Allowance [Abstract]
Internally Risk Graded, Allowance0 0
Non-Graded, Allowance0 0
Total19,178 17,768 $ 19,975 $ 22,217
Performing [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment1,998,899 1,811,557
Performing [Member] | Commercial [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment30,489 49,371
Performing [Member] | Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment30,489 49,371
Performing [Member] | Commercial real estate [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment0 0
Performing [Member] | Residential mortgage [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment1,877,245 1,685,424
Performing [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment800,578 819,199
Performing [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment186,362 183,734
Performing [Member] | Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment890,305 682,491
Performing [Member] | Personal [Member]
Recorded Investment [Abstract]
Non-Graded, Recorded Investment91,165 76,762
Performing [Member] | Pass [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment19,242,855 19,285,126
Performing [Member] | Pass [Member] | Commercial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment13,508,082 13,135,068
Performing [Member] | Pass [Member] | Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment3,549,167 3,414,039
Performing [Member] | Pass [Member] | Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment3,189,490 3,167,203
Performing [Member] | Pass [Member] | Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,675,248 1,593,902
Performing [Member] | Pass [Member] | Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment677,497 668,438
Performing [Member] | Pass [Member] | Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment2,869,515 2,730,121
Performing [Member] | Pass [Member] | Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment803,083 804,550
Performing [Member] | Pass [Member] | Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment744,082 756,815
Performing [Member] | Pass [Member] | Commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment4,549,845 4,712,826
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment149,336 148,234
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment857,698 885,588
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,024,892 1,059,334
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,203,220 1,287,471
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment767,757 776,898
Performing [Member] | Pass [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment546,942 555,301
Performing [Member] | Pass [Member] | Residential mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment272,741 492,976
Performing [Member] | Pass [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment272,741 269,678
Performing [Member] | Pass [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Pass [Member] | Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 223,298
Performing [Member] | Pass [Member] | Personal [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment912,187 944,256
Performing [Member] | Other Loans Especially Mentioned [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment195,739 181,960
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment171,717 157,866
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment39,285 42,176
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment60,361 49,761
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment21,100 18,809
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment34,033 30,934
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment13,748 14,920
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment3,190 1,266
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment23,975 23,927
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment11,549 11,926
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment4,219 10,532
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment7,136 281
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,071 1,188
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 52
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 52
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Other Loans Especially Mentioned [Member] | Personal [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment47 115
Performing [Member] | Substandard [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment168,910 214,840
Performing [Member] | Substandard [Member] | Commercial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment161,329 193,932
Performing [Member] | Substandard [Member] | Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment81,315 86,624
Performing [Member] | Substandard [Member] | Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment28,157 32,661
Performing [Member] | Substandard [Member] | Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment9,127 7,131
Performing [Member] | Substandard [Member] | Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment21,296 22,230
Performing [Member] | Substandard [Member] | Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment13,854 37,698
Performing [Member] | Substandard [Member] | Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Substandard [Member] | Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment7,580 7,588
Performing [Member] | Substandard [Member] | Commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment5,323 6,439
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,279 1,289
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment3,192 3,054
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment2 12
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 1,208
Performing [Member] | Substandard [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment850 876
Performing [Member] | Substandard [Member] | Residential mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment2,225 10,026
Performing [Member] | Substandard [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment2,225 9,730
Performing [Member] | Substandard [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Performing [Member] | Substandard [Member] | Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 296
Performing [Member] | Substandard [Member] | Personal [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment33 4,443
Nonaccrual [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment112,790 123,476
Non-Graded, Recorded Investment39,787 39,771
Nonaccrual [Member] | Commercial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment90,297 99,788
Non-Graded, Recorded Investment61 53
Nonaccrual [Member] | Commercial [Member] | Energy [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment35,332 47,494
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Services [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment9,555 8,567
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Wholesale/retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment1,425 1,316
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Manufacturing [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment9,548 8,919
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Healthcare [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment18,768 16,538
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Public finance [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial [Member] | Other commercial and industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment15,669 16,954
Non-Graded, Recorded Investment61 53
Nonaccrual [Member] | Commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment21,508 21,621
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment350 350
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Retail [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment20,159 20,279
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Office [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment855 0
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Multifamily [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 301
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Industrial [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment144 691
Non-Graded, Recorded Investment0 0
Nonaccrual [Member] | Residential mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment909 1,991
Non-Graded, Recorded Investment39,500 39,564
Nonaccrual [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment909 1,991
Non-Graded, Recorded Investment22,028 21,960
Nonaccrual [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Non-Graded, Recorded Investment6,946 7,132
Nonaccrual [Member] | Residential mortgage [Member] | Home equity [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment0 0
Non-Graded, Recorded Investment10,526 10,472
Nonaccrual [Member] | Personal [Member]
Recorded Investment [Abstract]
Internally Risk Graded, Recorded Investment76 76
Non-Graded, Recorded Investment $ 226 $ 154

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses, Impaired Loans (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Dec. 31, 2018
Impaired loans [Abstract]
Impaired loans, unpaid principal balance $ 415,920 $ 423,787
Impaired loans, recorded investment, total338,939 346,981
Impaired loans, recorded investment with no related allowance330,891 311,526
Impaired loans, recorded investment with related allowance8,048 35,455
Impaired loans, related allowance3,543 8,732
Impaired loans, average recorded investment346,225
Impaired loans, interest income recognized2,203
Commercial [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance153,786 156,163
Impaired loans, recorded investment, total90,358 99,841
Impaired loans, recorded investment with no related allowance82,310 64,386
Impaired loans, recorded investment with related allowance8,048 35,455
Impaired loans, related allowance3,543 8,732
Impaired loans, average recorded investment94,044
Impaired loans, interest income recognized0
Commercial [Member] | Energy [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance72,615 79,675
Impaired loans, recorded investment, total35,332 47,494
Impaired loans, recorded investment with no related allowance31,332 18,639
Impaired loans, recorded investment with related allowance4,000 28,855
Impaired loans, related allowance675 5,362
Impaired loans, average recorded investment45,627
Impaired loans, interest income recognized0
Commercial [Member] | Services [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance13,744 13,437
Impaired loans, recorded investment, total9,555 8,567
Impaired loans, recorded investment with no related allowance9,529 8,489
Impaired loans, recorded investment with related allowance26 78
Impaired loans, related allowance26 74
Impaired loans, average recorded investment7,378
Impaired loans, interest income recognized0
Commercial [Member] | Wholesale/retail [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance1,642 1,722
Impaired loans, recorded investment, total1,425 1,316
Impaired loans, recorded investment with no related allowance1,142 1,015
Impaired loans, recorded investment with related allowance283 301
Impaired loans, related allowance101 101
Impaired loans, average recorded investment1,047
Impaired loans, interest income recognized0
Commercial [Member] | Manufacturing [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance9,697 10,055
Impaired loans, recorded investment, total9,548 8,919
Impaired loans, recorded investment with no related allowance9,307 8,673
Impaired loans, recorded investment with related allowance241 246
Impaired loans, related allowance241 246
Impaired loans, average recorded investment8,851
Impaired loans, interest income recognized0
Impaired loans, unpaid principal balance to affiliates4,700
Commercial [Member] | Healthcare [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance30,189 24,319
Impaired loans, recorded investment, total18,768 16,538
Impaired loans, recorded investment with no related allowance15,270 10,563
Impaired loans, recorded investment with related allowance3,498 5,975
Impaired loans, related allowance2,500 2,949
Impaired loans, average recorded investment14,926
Impaired loans, interest income recognized0
Commercial [Member] | Public finance [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance0 0
Impaired loans, recorded investment, total0 0
Impaired loans, recorded investment with no related allowance0 0
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment0
Commercial [Member] | Other commercial and industrial [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance25,899 26,955
Impaired loans, recorded investment, total15,730 17,007
Impaired loans, recorded investment with no related allowance15,730 17,007
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment16,215
Impaired loans, interest income recognized0
Commercial real estate [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance22,957 30,138
Impaired loans, recorded investment, total21,508 21,621
Impaired loans, recorded investment with no related allowance21,508 21,621
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment21,565
Impaired loans, interest income recognized0
Commercial real estate [Member] | Residential construction and land development [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance1,306 1,306
Impaired loans, recorded investment, total350 350
Impaired loans, recorded investment with no related allowance350 350
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment350
Impaired loans, interest income recognized0
Commercial real estate [Member] | Retail [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance20,491 27,680
Impaired loans, recorded investment, total20,159 20,279
Impaired loans, recorded investment with no related allowance20,159 20,279
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment20,219
Impaired loans, interest income recognized0
Commercial real estate [Member] | Office [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance855 0
Impaired loans, recorded investment, total855 0
Impaired loans, recorded investment with no related allowance855 0
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment427
Impaired loans, interest income recognized0
Commercial real estate [Member] | Multifamily [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance0 301
Impaired loans, recorded investment, total0 301
Impaired loans, recorded investment with no related allowance0 301
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment151
Impaired loans, interest income recognized0
Commercial real estate [Member] | Industrial [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance0 0
Impaired loans, recorded investment, total0 0
Impaired loans, recorded investment with no related allowance0 0
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment0
Impaired loans, interest income recognized0
Commercial real estate [Member] | Other commercial real estate [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance305 851
Impaired loans, recorded investment, total144 691
Impaired loans, recorded investment with no related allowance144 691
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment418
Impaired loans, interest income recognized0
Residential mortgage [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance238,819 237,208
Impaired loans, recorded investment, total226,771 225,289
Impaired loans, recorded investment with no related allowance226,771 225,289
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment230,350
Impaired loans, interest income recognized2,203
Residential mortgage [Member] | Permanent mortgage [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance27,658 28,716
Impaired loans, recorded investment, total22,937 23,951
Impaired loans, recorded investment with no related allowance22,937 23,951
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment23,444
Impaired loans, interest income recognized298
Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance198,882 196,296
Impaired loans, recorded investment, total193,308 190,866
Impaired loans, recorded investment with no related allowance193,308 190,866
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment196,407
Impaired loans, interest income recognized1,905
Residential mortgage [Member] | Home equity [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance12,279 12,196
Impaired loans, recorded investment, total10,526 10,472
Impaired loans, recorded investment with no related allowance10,526 10,472
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 0
Impaired loans, average recorded investment10,499
Impaired loans, interest income recognized0
Personal [Member]
Impaired loans [Abstract]
Impaired loans, unpaid principal balance358 278
Impaired loans, recorded investment, total302 230
Impaired loans, recorded investment with no related allowance302 230
Impaired loans, recorded investment with related allowance0 0
Impaired loans, related allowance0 $ 0
Impaired loans, average recorded investment266
Impaired loans, interest income recognized $ 0

Loans and Allowances for Cred_5

Loans and Allowances for Credit Losses, Troubled Debt Restructurings (Details) - USD ($) $ in Millions3 Months Ended
Mar. 31, 2019Mar. 31, 2018Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructuring, Recorded Investment $ 159 $ 166
Troubled Debt Restructuring, Performing in Accordance With Modified Terms81 71
Financing Receivable, Modifications, Post-Modification Recorded Investment18 $ 37
Permanent mortgages guaranteed by US government agencies [Member] | Accruing [Member] | Residential mortgage [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructuring, Recorded Investment $ 92 $ 86

Loans and Allowances for Cred_6

Loans and Allowances for Credit Losses, By Aging Category (Details) - USD ($)Mar. 31, 2019Dec. 31, 2018
Financing receivable, recorded investment, aging [Abstract]
Current $ 21,416,097,000 $ 21,308,989,000
Nonaccrual152,577,000 163,247,000
Total21,758,980,000 21,656,730,000
Commercial [Member]
Financing receivable, recorded investment, aging [Abstract]
Current13,838,225,000 13,521,894,000
Nonaccrual90,358,000 99,841,000
Total13,961,975,000 13,636,078,000
Commercial [Member] | Energy [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,669,767,000 3,542,839,000
Nonaccrual35,332,000 47,494,000
Total3,705,099,000 3,590,333,000
Commercial [Member] | Services [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,257,230,000 3,237,578,000
Nonaccrual9,555,000 8,567,000
Total3,287,563,000 3,258,192,000
Commercial [Member] | Wholesale/retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,704,415,000 1,619,290,000
Nonaccrual1,425,000 1,316,000
Total1,706,900,000 1,621,158,000
Commercial [Member] | Manufacturing [Member]
Financing receivable, recorded investment, aging [Abstract]
Current732,644,000 721,204,000
Nonaccrual9,548,000 8,919,000
Total742,374,000 730,521,000
Commercial [Member] | Healthcare [Member]
Financing receivable, recorded investment, aging [Abstract]
Current2,888,579,000 2,781,944,000
Nonaccrual18,768,000 16,538,000
Total2,915,885,000 2,799,277,000
Commercial [Member] | Public finance [Member]
Financing receivable, recorded investment, aging [Abstract]
Current803,083,000 804,550,000
Nonaccrual0 0
Total803,083,000 804,550,000
Commercial [Member] | Other commercial and industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Current782,507,000 814,489,000
Nonaccrual15,730,000 17,007,000
Total801,071,000 832,047,000
Commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current4,570,995,000 4,725,669,000
Nonaccrual21,508,000 21,621,000
Total4,600,651,000 4,764,813,000
Commercial real estate [Member] | Residential construction and land development [Member]
Financing receivable, recorded investment, aging [Abstract]
Current143,184,000 147,705,000
Nonaccrual350,000 350,000
Total149,686,000 148,584,000
Commercial real estate [Member] | Retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Current870,526,000 884,424,000
Nonaccrual20,159,000 20,279,000
Total890,685,000 919,082,000
Commercial real estate [Member] | Office [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,032,239,000 1,072,920,000
Nonaccrual855,000 0
Total1,033,158,000 1,072,920,000
Commercial real estate [Member] | Multifamily [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,209,726,000 1,287,483,000
Nonaccrual0 301,000
Total1,210,358,000 1,288,065,000
Commercial real estate [Member] | Industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Current767,757,000 776,898,000
Nonaccrual0 0
Total767,757,000 778,106,000
Commercial real estate [Member] | Other commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current547,563,000 556,239,000
Nonaccrual144,000 691,000
Total549,007,000 558,056,000
Residential mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Current2,003,808,000 2,037,128,000
Nonaccrual40,409,000 41,555,000
Total2,192,620,000 2,230,033,000
Residential mortgage [Member] | Permanent mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,070,150,000 1,095,097,000
Nonaccrual22,937,000 23,951,000
Total1,098,481,000 1,122,610,000
Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Financing receivable, recorded investment, aging [Abstract]
Current47,639,000 37,459,000
Nonaccrual6,946,000 7,132,000
Total193,308,000 190,866,000
Residential mortgage [Member] | Home equity [Member]
Financing receivable, recorded investment, aging [Abstract]
Current886,019,000 904,572,000
Nonaccrual10,526,000 10,472,000
Total900,831,000 916,557,000
Personal [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,003,069,000 1,024,298,000
Nonaccrual302,000 230,000
Total1,003,734,000 1,025,806,000
30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due87,990,000 53,350,000
30 to 59 Days [Member] | Commercial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due31,761,000 7,675,000
30 to 59 Days [Member] | Commercial [Member] | Energy [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
30 to 59 Days [Member] | Commercial [Member] | Services [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due20,214,000 6,009,000
30 to 59 Days [Member] | Commercial [Member] | Wholesale/retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due833,000 515,000
30 to 59 Days [Member] | Commercial [Member] | Manufacturing [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due182,000 392,000
30 to 59 Days [Member] | Commercial [Member] | Healthcare [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due7,837,000 241,000
30 to 59 Days [Member] | Commercial [Member] | Public finance [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
30 to 59 Days [Member] | Commercial [Member] | Other commercial and industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due2,695,000 518,000
30 to 59 Days [Member] | Commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due7,622,000 16,529,000
30 to 59 Days [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due6,152,000 249,000
30 to 59 Days [Member] | Commercial real estate [Member] | Retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 14,379,000
30 to 59 Days [Member] | Commercial real estate [Member] | Office [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
30 to 59 Days [Member] | Commercial real estate [Member] | Multifamily [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due283,000 281,000
30 to 59 Days [Member] | Commercial real estate [Member] | Industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 1,208,000
30 to 59 Days [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due1,187,000 412,000
30 to 59 Days [Member] | Residential mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due48,260,000 28,667,000
30 to 59 Days [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due5,394,000 3,196,000
30 to 59 Days [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due38,748,000 24,369,000
30 to 59 Days [Member] | Residential mortgage [Member] | Home equity [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due4,118,000 1,102,000
30 to 59 Days [Member] | Personal [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due347,000 479,000
60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due1,731,000 24,245,000
60 to 89 Days [Member] | Commercial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due1,370,000 6,106,000
60 to 89 Days [Member] | Commercial [Member] | Energy [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
60 to 89 Days [Member] | Commercial [Member] | Services [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due442,000 6,038,000
60 to 89 Days [Member] | Commercial [Member] | Wholesale/retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due227,000 37,000
60 to 89 Days [Member] | Commercial [Member] | Manufacturing [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 6,000
60 to 89 Days [Member] | Commercial [Member] | Healthcare [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due701,000 0
60 to 89 Days [Member] | Commercial [Member] | Public finance [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
60 to 89 Days [Member] | Commercial [Member] | Other commercial and industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 25,000
60 to 89 Days [Member] | Commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due177,000 280,000
60 to 89 Days [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 280,000
60 to 89 Days [Member] | Commercial real estate [Member] | Retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
60 to 89 Days [Member] | Commercial real estate [Member] | Office [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due64,000 0
60 to 89 Days [Member] | Commercial real estate [Member] | Multifamily [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
60 to 89 Days [Member] | Commercial real estate [Member] | Industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
60 to 89 Days [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due113,000 0
60 to 89 Days [Member] | Residential mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due168,000 17,063,000
60 to 89 Days [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 366,000
60 to 89 Days [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 16,345,000
60 to 89 Days [Member] | Residential mortgage [Member] | Home equity [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due168,000 352,000
60 to 89 Days [Member] | Personal [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due16,000 796,000
90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due100,585,000 106,899,000
90 Days or More [Member] | Commercial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due261,000 562,000
90 Days or More [Member] | Commercial [Member] | Energy [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial [Member] | Services [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due122,000 0
90 Days or More [Member] | Commercial [Member] | Wholesale/retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial [Member] | Manufacturing [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial [Member] | Healthcare [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 554,000
90 Days or More [Member] | Commercial [Member] | Public finance [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial [Member] | Other commercial and industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due139,000 8,000
90 Days or More [Member] | Commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due349,000 714,000
90 Days or More [Member] | Commercial real estate [Member] | Residential construction and land development [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial real estate [Member] | Retail [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial real estate [Member] | Office [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial real estate [Member] | Multifamily [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due349,000 0
90 Days or More [Member] | Commercial real estate [Member] | Industrial [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Commercial real estate [Member] | Other commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 714,000
90 Days or More [Member] | Residential mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due99,975,000 105,620,000
90 Days or More [Member] | Residential mortgage [Member] | Permanent mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
90 Days or More [Member] | Residential mortgage [Member] | Permanent mortgages guaranteed by US government agencies [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due99,975,000 105,561,000
90 Days or More [Member] | Residential mortgage [Member] | Home equity [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 59,000
90 Days or More [Member] | Personal [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due $ 0 $ 3,000

Leasing Leasing (Details)

Leasing Leasing (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Jan. 01, 2019
Leases [Abstract]
Operating Lease, Right-of-Use Asset $ 137,000
Lease, Cost [Abstract]
Operating lease cost recognized as occupancy and equipment expense $ 6,419
Operating cash flows from operating leases $ 5,914
Weighted-average remaining lease term10 years 1 month 6 days
Weighted-average discount rate operating leases3.50%
Short-term Lease, Cost $ 2,400
Finance Lease Liabilities, Payments, Rolling Maturity [Abstract]
Lessee, Operating Lease, Liability, Payments, Due Next Rolling Twelve Months30,200
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Two28,400
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Three25,100
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Four17,700
Lessee, Operating Lease, Liability, Payments, Due in Rolling Year Five15,300
Lessee, Operating Lease, Liability, Payments, Due after Rolling Year Five $ 97,600

Mortgage Banking Activities, Co

Mortgage Banking Activities, Components of Loans Held For Sale (Details) - USD ($) $ in Thousands3 Months Ended12 Months Ended
Mar. 31, 2019Dec. 31, 2018
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Number of days for past due for loan to be considered nonperforming (in days)90 days90 days
Residential mortgage loans held for sale, nonperforming $ 0 $ 0
Credit losses recognized on residential mortgage loans held for sale0 0
Components of Residential Mortgage Loans Held for Sale [Abstract]
Unpaid principal balance153,818 145,057
Residential mortgage loans held for sale, Fair value155,679 146,971
Total residential mortgage loans held for sale and mortgage loan commitments, net of forward sales contracts $ 160,157 $ 149,221
Residential Mortgage Loan Commitments [Member] | Not Designated as Hedging Instrument [Member]
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
General number of days outstanding for residential mortgage commitments, minimum (in days)60 days60 days
General number of days outstanding for residential mortgage commitments, maximum (in days)90 days90 days
Components of Residential Mortgage Loans Held for Sale [Abstract]
Notional $ 263,434 $ 160,848
Derivative, Net fair value $ 8,091 $ 5,378
Forward sales contracts [Member] | Not Designated as Hedging Instrument [Member]
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
General number of days for delivery of loans, for which the price is set by forward sales contracts, minimum (in days)60 days60 days
General number of days for delivery for loans, for which the price is set by forward sales contracts, maximum (in days)90 days90 days
Components of Residential Mortgage Loans Held for Sale [Abstract]
Notional $ 376,411 $ 274,000
Derivative, Net fair value $ (3,613) $ (3,128)

Mortgage Banking Activities Mor

Mortgage Banking Activities Mortgage Banking Activities, Mortgage Banking Revenue (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Mortgage Banking Revenue [Abstract]
Net realized gains on sale of mortgage loans $ 5,693 $ 8,918
Net change in unrealized gain on mortgage loans held for sale(53)(1,369)
Net change in the fair value of mortgage loan commitments2,713 2,074
Net change in the fair value of forward sales contracts(485)(171)
Total production revenue7,868 9,452
Servicing revenue15,966 16,573
Total mortgage banking revenue $ 23,834 $ 26,025

Mortgage Banking Activities, Mo

Mortgage Banking Activities, Mortgage Servicing Rights (Details)3 Months Ended12 Months Ended
Mar. 31, 2019USD ($)Mar. 31, 2018USD ($)Dec. 31, 2018USD ($)
Summary of Mortgage Servicing Rights [Abstract]
Number of residential mortgage loans serviced for others131,636,000 132,463,000
Outstanding principal balance of residential mortgage loans serviced for others $ 21,544,295,000 $ 21,658,335,000
Weighted average interest rate4.00%3.99%
Remaining term (in months)292 months293 months
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance $ 259,254,000 $ 252,867,000 $ 252,867,000
Additions, net6,188,000 8,900,000
Change in fair value due to principal payments(6,583,000)(7,995,000)
Change in fair value due to market assumption changes(20,666,000)21,206,000
Ending balance $ 238,193,000 $ 274,978,000 $ 259,254,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rate - risk-free rate plus a market premium (in hundredths)9.83%9.90%
Prepayment rate - based upon loan interest rate, original term and loan type, minimum8.14%8.05%
Prepayment rate - based upon loan interest rate, original term and loan type, maximum16.02%15.74%
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 68 $ 67
Loan servicing costs - annually per loan based upon loan type, performing, maximum (in dollars per loan)94 93
Loan servicing costs - annually per loan based upon loan type, delinquent, minimum (in dollars per loan)150 150
Loan servicing costs - annually per loan based upon loan type, delinquent, maximum (in dollars per loan)500 500
Loan servicing costs - annually per loan based upon loan type, foreclosure, minimum (in dollars per loan)1,000 1,000
Loan servicing costs - annually per loan based upon loan type, foreclosure, maximum (in dollars per loan) $ 4,000 $ 4,000
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life (in hundredths)2.29%2.57%
Primary secondary mortgage rate spread105 105

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details)3 Months Ended
Mar. 31, 2019USD ($)
Judicial Ruling [Member] | Misuse of Revenues Pledged to Municipal Bonds [Member]
Litigation Settlement [Abstract]
Outstanding principal, accrued interest and other amounts required by bond documents $ 40,000,000
Disgorged fees1,067,721
Litigation Settlement, Amount Awarded to Other Party $ 600,000
Pending Litigation [Member] | Misuse of Revenues Pledged to Municipal Bonds [Member]
Litigation Settlement [Abstract]
Loss Contingency, Number of Plaintiffs2
Alleged total of judgment against nursing home operator $ 8,000,000
Pending Litigation [Member] | Bank Participation in Fraudulent Sale of Securities by Principals [Member]
Litigation Settlement [Abstract]
Loss Contingency, Number of Plaintiffs19
Pending Litigation [Member] | Purchase of facilities from principals subject to SEC New Jersey proceedings [Member]
Litigation Settlement [Abstract]
Outstanding principal, accrued interest and other amounts required by bond documents $ 60,000,000
Number of individuals who purchased facilities from the principals subject to SEC New Jersey proceedings2
Number of principals in SEC New Jersey proceedings2

Commitments and Contingent Li_3

Commitments and Contingent Liabilities Variable Interest Entities (Details) $ in MillionsMar. 31, 2019USD ($)
Other Assets [Member]
Variable Interest Entity [Line Items]
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net $ 232
Other Liabilities [Member]
Variable Interest Entity [Line Items]
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net $ 67

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ / shares in Units, $ in ThousandsApr. 30, 2019Mar. 31, 2019Mar. 31, 2018Dec. 31, 2018Dec. 31, 2017
Dividends declared (in dollars per share) $ 0.50 $ 0.45
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period $ (72,585) $ (36,174)
Transition adjustment for new accounting principle in period of adoption $ 2,862 $ (2,709)
Net change in unrealized gain (loss)92,739 (97,406)
Reclassification adjustments included in earnings:
Loss (gain) on available for sale securities, net(76)290
Other comprehensive income (loss), before income taxes92,663 (97,116)
Federal and state income taxes23,609 (24,808)[1]
Other comprehensive income (loss), net of income taxes69,054 (72,308)
Balance, End of Period(3,531)(111,191)
Accumulated Net Unrealized Gain (Loss) on Available for Sale Securities [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period(70,999)(35,385)
Transition adjustment for new accounting principle in period of adoption(2,709)
Net change in unrealized gain (loss)92,739 (97,406)
Reclassification adjustments included in earnings:
Loss (gain) on available for sale securities, net(76)290
Other comprehensive income (loss), before income taxes92,663 (97,116)
Federal and state income taxes23,609 (24,808)[1]
Other comprehensive income (loss), net of income taxes69,054 (72,308)
Balance, End of Period(1,945)(110,402)
Accumulated Unrealized Gain (Loss) on Employee Benefit Plans [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period(1,586)(789)
Transition adjustment for new accounting principle in period of adoption $ 0
Net change in unrealized gain (loss)0 0
Reclassification adjustments included in earnings:
Loss (gain) on available for sale securities, net0 0
Other comprehensive income (loss), before income taxes0 0
Federal and state income taxes0 0 [1]
Other comprehensive income (loss), net of income taxes0 0
Balance, End of Period $ (1,586) $ (789)
Subsequent Event [Member]
Dividends Payable, Date DeclaredApr. 30,
2019
Dividends declared (in dollars per share) $ 0.50
Dividends Payable, Date to be PaidMay 28,
2019
Dividends Payable, Date of RecordMay 13,
2019
[1]Calculated using a 25 percent blended federal and state statutory tax rate.

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Numerator: [Abstract]
Net income attributable to BOK Financial Corp. shareholders $ 110,612 $ 105,562
Less: Earnings allocated to participating securities828 1,022
Numerator for basic earnings per share – income available to common shareholders109,784 104,540
Effect of reallocating undistributed earnings of participating securities0 0
Numerator for diluted earnings per share – income available to common shareholders $ 109,784 $ 104,540
Denominator: [Abstract]
Weighted average shares outstanding (in shares)71,926,041 65,479,482
Less: Participating securities included in weighted average shares (in shares)538,971 632,148
Denominator for basic earnings per common share (in shares)71,387,070 64,847,334
Dilutive effect of employee stock compensation plans (in shares)17,318 40,699
Denominator for diluted earnings per common share (in shares)71,404,388 64,888,033
Basic earnings per share (per share) $ 1.54 $ 1.61
Diluted earnings per share (per share) $ 1.54 $ 1.61
Excludes employee stock options with exercise prices greater than current market price.0 0

Reportable Segments (Details)

Reportable Segments (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Segment Reporting Information [Line Items]
Net interest revenue from external sources $ 278,102 $ 219,736
Net interest revenue (expense) from internal sources0 0
Net interest revenue278,102 219,736
Provision for credit losses8,000 (5,000)
Net interest revenue after provision for credit losses270,102 224,736
Other operating revenue157,270 155,989
Other operating expense287,157 244,430
Net direct contribution140,215 136,295
Gain (loss) on financial instruments, net0 0
Change in fair value of mortgage servicing rights0 0
Gain (loss) on repossessed assets, net0 0
Corporate expense allocations0 0
Net income before taxes140,215 136,295
Federal and state income taxes29,950 30,948
Net income110,265 105,347
Net income attributable to non-controlling interests(347)(215)
Net income attributable to BOK Financial Corp. shareholders110,612 105,562
Average assets39,672,681 33,724,952
Operating Segments [Member] | Commercial [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources204,209 160,414
Net interest revenue (expense) from internal sources(52,562)(28,343)
Net interest revenue151,647 132,071
Provision for credit losses11,245 627
Net interest revenue after provision for credit losses140,402 131,444
Other operating revenue37,612 39,676
Other operating expense50,177 48,370
Net direct contribution127,837 122,750
Gain (loss) on financial instruments, net18 7
Change in fair value of mortgage servicing rights0 0
Gain (loss) on repossessed assets, net(346)(4,166)
Corporate expense allocations10,148 10,603
Net income before taxes117,361 107,988
Federal and state income taxes31,218 28,741
Net income86,143 79,247
Net income attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders86,143 79,247
Average assets19,330,249 17,793,820
Operating Segments [Member] | Consumer [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources21,595 21,753
Net interest revenue (expense) from internal sources29,507 15,224
Net interest revenue51,102 36,977
Provision for credit losses1,085 1,300
Net interest revenue after provision for credit losses50,017 35,677
Other operating revenue42,748 44,947
Other operating expense53,506 54,695
Net direct contribution39,259 25,929
Gain (loss) on financial instruments, net14,097 (23,262)
Change in fair value of mortgage servicing rights(20,666)21,206
Gain (loss) on repossessed assets, net103 (108)
Corporate expense allocations11,883 11,188
Net income before taxes20,910 12,577
Federal and state income taxes5,326 3,203
Net income15,584 9,374
Net income attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders15,584 9,374
Average assets8,371,683 8,468,101
Operating Segments [Member] | Wealth Management [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources21,486 15,407
Net interest revenue (expense) from internal sources6,770 9,932
Net interest revenue28,256 25,339
Provision for credit losses(119)(48)
Net interest revenue after provision for credit losses28,375 25,387
Other operating revenue73,414 74,766
Other operating expense61,507 64,942
Net direct contribution40,282 35,211
Gain (loss) on financial instruments, net0 0
Change in fair value of mortgage servicing rights0 0
Gain (loss) on repossessed assets, net0 0
Corporate expense allocations8,360 8,815
Net income before taxes31,922 26,396
Federal and state income taxes8,203 6,787
Net income23,719 19,609
Net income attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders23,719 19,609
Average assets9,312,154 8,095,794
Funds Management and Other [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources30,812 [1]22,162
Net interest revenue (expense) from internal sources16,285 [1]3,187
Net interest revenue47,097 [1]25,349
Provision for credit losses(4,211)[1](6,879)
Net interest revenue after provision for credit losses51,308 [1]32,228
Other operating revenue3,496 [1](3,400)
Other operating expense121,967 [1]76,423
Net direct contribution(67,163)[1](47,595)
Gain (loss) on financial instruments, net(14,115)[1]23,255
Change in fair value of mortgage servicing rights20,666 [1](21,206)
Gain (loss) on repossessed assets, net243 [1]4,274
Corporate expense allocations(30,391)[1](30,606)
Net income before taxes(29,978)[1](10,666)
Federal and state income taxes(14,797)[1](7,783)
Net income(15,181)[1](2,883)
Net income attributable to non-controlling interests(347)[1](215)
Net income attributable to BOK Financial Corp. shareholders(14,834)[1](2,668)
Average assets $ 2,658,595 [1] $ (632,763)
[1]CoBiz operations are included in Funds Management and Other for the first quarter of 2019.

Fees and Commissions Revenue _3

Fees and Commissions Revenue Fees and Commissions (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2019Mar. 31, 2018
Disaggregation of Revenue [Line Items]
Total fees and commissions $ 160,552 $ 159,614
Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions160,552 159,614
Fees and commission revenue not from contracts with customers[1]53,380 57,371
Fees and commissions revenue from contracts with customers[2]107,172 102,243
Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions31,617 30,648
Fees and commission revenue not from contracts with customers[1]20,826 22,362
Fees and commissions revenue from contracts with customers[2]10,791 8,286
Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,920 10,394
Fees and commission revenue not from contracts with customers[1]12,920 10,394
Fees and commissions revenue from contracts with customers[2]0 0
Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions6,677 10,907
Fees and commission revenue not from contracts with customers[1]6,677 10,907
Fees and commissions revenue from contracts with customers[2]0 0
Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,022 4,599
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]4,022 4,599
Insurance brokerage revenue [Member] [Domain]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,108 155
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers4,108 155
Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions3,890 4,593
Fees and commission revenue not from contracts with customers[1]1,229 1,061
Fees and commissions revenue from contracts with customers[2]2,661 3,532
Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions20,738 20,990
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]20,738 20,990
TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions18,596 19,171
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]18,596 19,171
Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,062 1,819
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]2,062 1,819
Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions80 0
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]80 0
Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions43,358 41,832
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]43,358 41,832
Personal trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions19,574 20,100
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]19,574 20,100
Corporate trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions6,201 5,641
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]6,201 5,641
Institutional trust & retirement plan services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions11,107 11,450
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]11,107 11,450
Investment management services and other [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions6,476 4,641
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]6,476 4,641
Deposit service charges and fees [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions28,243 27,161
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]28,243 27,161
Commercial account service charge revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,783 11,908
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]12,783 11,908
Overdraft fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions8,260 8,612
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]8,260 8,612
Check card fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions5,156 4,918
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]5,156 4,918
Automated service charge and other deposit fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,044 1,723
Fees and commission revenue not from contracts with customers[1]0 0
Fees and commissions revenue from contracts with customers[2]2,044 1,723
Mortgage banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions23,834 26,025
Fees and commission revenue not from contracts with customers[1]23,834 26,025
Fees and commissions revenue from contracts with customers[2]0 0
Mortgage production revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions7,868 9,452
Fees and commission revenue not from contracts with customers[1]7,868 9,452
Fees and commissions revenue from contracts with customers[2]0 0
Mortgage servicing revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions15,966 16,573
Fees and commission revenue not from contracts with customers[1]15,966 16,573
Fees and commissions revenue from contracts with customers[2]0 0
Other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,762 12,958
Fees and commission revenue not from contracts with customers[1]8,720 8,984
Fees and commissions revenue from contracts with customers[2]4,042 3,974
Operating Segments [Member] | Commercial [Member] | Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions38,046 40,017
Operating Segments [Member] | Commercial [Member] | Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,964 3,083
Operating Segments [Member] | Commercial [Member] | Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions1,575 2,022
Operating Segments [Member] | Commercial [Member] | Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Insurance brokerage revenue [Member] [Domain]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions1,389 1,061
Operating Segments [Member] | Commercial [Member] | Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions19,659 20,006
Operating Segments [Member] | Commercial [Member] | TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions17,654 18,202
Operating Segments [Member] | Commercial [Member] | Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions1,925