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BOKF BOK Financial

Document And Entity Information

Document And Entity Information3 Months Ended
Mar. 31, 2021shares
Document and Entity Information [Abstract]
Entity Incorporation, State or Country CodeOK
Entity Tax Identification Number73-1373454
Entity Address, Address Line OneBoston Avenue at Second Street
Entity Address, City or TownTulsa,
Entity Address, State or ProvinceOK
Document Transition Reportfalse
Document Quarterly Reporttrue
Entity Registrant NameBOK FINANCIAL CORP
Entity Central Index Key0000875357
Current Fiscal Year End Date--12-31
Entity Emerging Growth Companyfalse
Entity Bankruptcy Proceedings, Reporting Currentfalse
Entity Small Businessfalse
Entity Current Reporting StatusYes
Entity Interactive Data CurrentYes
Entity Filer CategoryLarge Accelerated Filer
Entity Common Stock, Shares Outstanding69,557,873
Document Fiscal Year Focus2021
Document Fiscal Period FocusQ1
Document Type10-Q
Entity File Number0-19341
Amendment Flagfalse
Document Period End DateMar. 31,
2021
City Area Code918
Local Phone Number588-6000
Entity Address, Postal Zip Code74192

Consolidated Statements of Earn

Consolidated Statements of Earnings (Unaudited) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Interest revenue [Abstract]
Loans $ 197,574 $ 243,218
Residential mortgage loans held for sale1,380 1,123
Trading securities35,922 11,760
Investment securities2,726 3,121
Available for sale securities58,608 69,720
Fair value option securities496 11,708
Restricted equity securities1,359 5,894
Interest-bearing cash and cash equivalents174 2,393
Total interest revenue298,239 348,937
Interest expense [Abstract]
Deposits9,850 46,159
Borrowed funds4,622 37,785
Subordinated debentures3,347 3,633
Total interest expense17,819 87,577
Net interest revenue280,420 261,360
Provision for credit losses(25,000)93,771
Net interest revenue after provision for credit losses305,420 167,589
Total fees and commissions162,152 192,724
Other gains (losses), net(3,036)(10,741)
Gain (loss) on derivatives, net(27,650)18,420
Gain (loss) on fair value option securities, net(1,910)68,393
Change in fair value of mortgage servicing rights33,874 (88,480)
Gain on available for sale securities, net467 3
Total other operating revenue163,897 180,319
Other operating expense [Abstract]
Personnel173,010 156,181
Business promotion2,154 6,215
Charitable contributions to BOKF Foundation4,000 0
Professional fees and services11,980 12,948
Net occupancy and equipment26,662 26,061
Insurance4,620 4,980
Data processing and communications37,467 32,743
Printing, postage and supplies3,440 4,272
Net losses (gains) and operating expenses of repossessed assets(6,588)1,531
Amortization of intangible assets4,807 5,094
Mortgage banking costs13,943 10,545
Other expense7,132 8,054
Total other operating expense282,627 268,624
Net income before taxes186,690 79,284
Federal and state income taxes42,382 17,300
Net income144,308 61,984
Net loss attributable to non-controlling interests(1,752)(95)
Net income attributable to BOK Financial Corporation shareholders $ 146,060 $ 62,079
Dividends declared per share $ 0.52 $ 0.51
Earnings Per Share [Abstract]
Basic2.100.88
Diluted $ 2.10 $ 0.88
Average shares used in computation: [Abstract]
Basic69,137,375 70,123,685
Diluted69,141,710 70,130,166
Brokerage and trading revenue [Member]
Total fees and commissions $ 20,782 $ 50,779
Transaction card revenue [Member]
Total fees and commissions22,430 21,881
Fiduciary and asset management revenue [Member]
Total fees and commissions41,322 44,458
Deposit service charges and fees [Member]
Total fees and commissions24,209 26,130
Mortgage banking revenue [Member]
Total fees and commissions37,113 37,167
Other revenue [Member]
Total fees and commissions $ 16,296 $ 12,309

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income $ 144,308 $ 61,984
Other Comprehensive Income (Loss), before Tax [Abstract]
Net change in unrealized gain (loss)(150,131)297,843
Reclassification Adjustments Included in Earnings [Abstract]
Gain on available for sale securities, net(467)(3)
Other comprehensive income (loss) before income taxes(150,598)297,840
Federal and state income taxes(36,139)71,471
Other comprehensive income (loss), net of income taxes(114,459)226,369
Comprehensive income29,849 288,353
Comprehensive loss attributable to non-controlling interests(1,752)(95)
Comprehensive income attributable to BOK Financial Corp. shareholders $ 31,601 $ 288,448

Consolidated Balance Sheets (Un

Consolidated Balance Sheets (Unaudited) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Assets [Abstract]
Cash and due from banks $ 723,983 $ 798,757
Interest-bearing cash and cash equivalents695,213 381,816
Trading securities5,085,949 4,707,975
Investment securities, net of allowance226,121 244,843
Available for sale securities13,410,057 13,050,665
Fair value option securities72,498 114,982
Restricted equity securities139,614 171,391
Residential mortgage loans held for sale284,447 252,316
Loans and Leases Receivable, Gross22,533,847 23,007,520
Allowance for loan losses(352,402)(388,640)
Loans, net of allowance22,181,445 22,618,880
Premises and equipment, net555,455 551,308
Receivables250,852 245,880
Goodwill1,048,091 1,048,091
Intangible assets, net110,585 113,436
Mortgage servicing rights132,915 101,172
Real estate and other repossessed assets, net of allowance70,911 90,526
Derivative contracts, net1,289,156 810,688
Cash surrender value of bank-owned life insurance401,320 398,758
Receivable on unsettled securities sales67,759 62,386
Other assets696,142 907,218
Total assets47,442,513 46,671,088
Deposits [Abstract]
Noninterest-bearing demand deposits13,103,170 12,266,338
Interest-bearing deposits: [Abstract]
Transaction21,890,874 21,158,422
Savings854,226 751,992
Time2,004,356 1,967,128
Total deposits37,852,626 36,143,880
Funds purchased and repurchase agreements795,161 1,662,386
Other borrowings1,708,517 1,882,970
Subordinated debentures276,024 276,005
Accrued interest, taxes and expense290,328 323,667
Derivative contracts, net719,556 405,779
Due on unsettled securities purchases106,835 257,627
Other liabilities431,122 427,213
Total liabilities42,180,169 41,379,527
Shareholders' equity: [Abstract]
Common stock5 5
Capital surplus1,371,735 1,368,062
Retained earnings4,083,543 3,973,675
Treasury stock(437,230)(411,344)
Accumulated other comprehensive gain221,409 335,868
Total shareholders’ equity5,239,462 5,266,266
Non-controlling interests22,882 25,295
Total equity5,262,344 5,291,561
Total liabilities and equity $ 47,442,513 $ 46,671,088

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) (Unaudited) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Investment securities [Abstract]
Investment Securities, Fair Value $ 252,707 $ 272,431
Real estate and other repossessed assets, allowance $ (15,507) $ (15,060)
Shareholders' equity: [Abstract]
Common Stock, Par or Stated Value Per Share $ 0.00006 $ 0.00006
Common Stock, Shares Authorized2,500,000,000 2,500,000,000
Common Stock, Shares, Issued(76,244,164)(75,995,205)
Common Stock, Shares, Outstanding(76,244,164)(75,995,205)
Treasury Stock, Shares6,686,291 6,357,605

Consolidated Statements of Chan

Consolidated Statements of Changes in Equity (Unaudited) - USD ($) shares in Thousands, $ in ThousandsTotalCumulative Effect, Period of Adoption, Adjusted BalanceCumulative Effect, Period of Adoption, AdjustmentCommon Stock [Member]Common Stock [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceCapital Surplus [Member]Capital Surplus [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceRetained Earnings [Member]Retained Earnings [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceRetained Earnings [Member]Cumulative Effect, Period of Adoption, AdjustmentTreasury Stock [Member]Treasury Stock [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceAccumulated Other Comprehensive Income (Loss) [Member]Accumulated Other Comprehensive Income (Loss) [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceTotal Shareholders' Equity [Member]Total Shareholders' Equity [Member]Cumulative Effect, Period of Adoption, Adjusted BalanceTotal Shareholders' Equity [Member]Cumulative Effect, Period of Adoption, AdjustmentNon-Controlling Interests [Member]Non-Controlling Interests [Member]Cumulative Effect, Period of Adoption, Adjusted Balance
Balance, beginning of period (in shares) at Dec. 31, 201975,759 75,759 5,179 5,179
Balance, beginning of period at Dec. 31, 2019 $ 4,863,919 $ 4,817,223 $ 5 $ 5 $ 1,350,995 $ 1,350,995 $ 3,729,778 $ 3,683,082 $ (329,906) $ (329,906) $ 104,923 $ 104,923 $ 4,855,795 $ 4,809,099 $ 8,124 $ 8,124
Balance, beginning of period (Accounting Standards Update 2016-13) at Dec. 31, 2019 $ (46,696) $ (46,696) $ (46,696)
Net income61,984 62,079 62,079 (95)
Other comprehensive income (loss)226,369 226,369 226,369
Repurchase of common stock (in shares)442
Repurchase of common stock(33,380) $ (33,380)(33,380)
Stock options exercised (in shares)10
Stock options exercised586 586 586
Non-vested shares awarded, net (in shares)232
Non-vested shares awarded, net0
Vesting of non-vested shares (in shares)71
Vesting of non-vested shares(5,608) $ (5,608)(5,608)
Share-based compensation3,245 3,245 3,245
Cash dividends on common stock(36,142)(36,142)(36,142)
Capital calls and distributions, net(117)(117)
Balance, end of period (in shares) at Mar. 31, 202076,001 5,692
Balance, end of period at Mar. 31, 20205,034,160 $ 5 1,354,826 3,709,019 $ (368,894)331,292 5,026,248 7,912
Balance, beginning of period (in shares) at Dec. 31, 202075,995 6,358
Balance, beginning of period at Dec. 31, 20205,291,561 $ 5 1,368,062 3,973,675 $ (411,344)335,868 5,266,266 25,295
Net income144,308 146,060 146,060 (1,752)
Other comprehensive income (loss)(114,459)(114,459)(114,459)
Repurchase of common stock (in shares)260
Repurchase of common stock(20,071) $ (20,071)(20,071)
Stock options exercised (in shares)17
Stock options exercised949 949 949
Non-vested shares awarded, net (in shares)232
Non-vested shares awarded, net0
Vesting of non-vested shares (in shares)68
Vesting of non-vested shares(5,815) $ (5,815)(5,815)
Share-based compensation2,724 2,724 2,724
Cash dividends on common stock(36,192)(36,192)(36,192)
Capital calls and distributions, net(661)(661)
Balance, end of period (in shares) at Mar. 31, 202176,244 6,686
Balance, end of period at Mar. 31, 2021 $ 5,262,344 $ 5 $ 1,371,735 $ 4,083,543 $ (437,230) $ 221,409 $ 5,239,462 $ 22,882

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Cash Flows From Operating Activities: [Abstract]
Net income $ 144,308 $ 61,984
Adjustments to reconcile net income to net cash used in operating activities: [Abstract]
Provision for credit losses(25,000)93,771
Change in fair value of mortgage servicing rights due to market assumption changes(33,874)88,480
Change in the fair value of mortgage servicing rights due to principal payments11,961 8,019
Net unrealized (gains) losses from derivative contracts92,502 15,369
Share-based compensation2,724 3,245
Depreciation and amortization24,918 23,198
Net amortization of discounts and premiums4,853 2,013
Net losses (gains) on financial instruments and other losses (gains), net(10,587)10,742
Net gain on mortgage loans held for sale(19,045)(13,278)
Mortgage loans originated for sale(843,053)(548,956)
Proceeds from sale of mortgage loans held for sale836,209 548,077
Capitalized mortgage servicing rights(9,830)(5,441)
Change in trading and fair value option securities(335,624)(1,092,249)
Change in receivables15,650 (1,107,130)
Change in other assets(24,991)(24,503)
Change in other liabilities(49,998)193,857
Net cash used in operating activities(218,877)(1,742,802)
Cash Flows From Investing Activities: [Abstract]
Proceeds from maturities or redemptions of investment securities18,624 19,079
Proceeds from maturities or redemptions of available for sale securities877,257 394,205
Purchases of available for sale securities(1,451,909)(1,552,914)
Proceeds from sales of available for sale securities56,037 26,894
Change in amount receivable on unsettled available for sale securities transactions(26,130)(22,113)
Loans originated, net of principal collected498,667 (729,881)
Net payments on derivative asset contracts(7,016)(98,215)
Net change in restricted equity securities31,777 70,510
Proceeds from disposition of assets43,739 15,282
Purchases of assets(63,110)(40,295)
Net cash used in investing activities(22,064)(1,917,448)
Cash Flows From Financing Activities: [Abstract]
Net change in demand deposits, transaction deposits and savings accounts1,671,518 1,608,360
Net change in time deposits37,228 14,624
Net change in other borrowed funds(1,078,174)1,747,640
Net proceeds on derivative liability contracts8,437 82,126
Net change in derivative margin accounts2,995 (163,911)
Change in amount due on unsettled available for sale securities transactions(101,311)160,211
Issuance of common and treasury stock, net(4,866)(5,022)
Repurchase of common stock(20,071)(33,380)
Dividends paid(36,192)(36,142)
Net cash provided by financing activities479,564 3,374,506
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect, Total238,623 (285,744)
Cash and cash equivalents at beginning of period1,180,573 1,258,821
Cash and cash equivalents at end of period1,419,196 973,077
Supplemental Cash Flow Information: [Abstract]
Cash paid for interest16,743 87,468
Cash paid for taxes852 853
Net loans and bank premises transferred to repossessed real estate and other assets147 18,474
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period36,496 20,277
Conveyance of other real estate owned guaranteed by U.S. government agencies1,448 5,694
Right-of-use assets obtained in exchange for operating lease liabilities $ 1,191 $ 7,108

Significant Accounting Policies

Significant Accounting Policies3 Months Ended
Mar. 31, 2021
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., and BOK Financial Private Wealth, Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, BOK Financial in Arizona, Arkansas, Colorado and Kansas/Missouri, 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 2020 Form 10-K filed with the Securities and Exchange Commission, which contains audited financial statements. Amounts presented as of December 31, 2020 have been derived from the audited financial statements included in BOK Financial’s 2020 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, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. Newly Adopted and Pending Accounting Policies Financial Accounting Standards Board (“FASB”) FASB Accounting Standards Update No. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04") On March 12, 2020, the FASB issued ASU 2020-04 which provides optional expedients and exceptions for applying U.S. GAAP to contract modifications and hedging relationships that reference LIBOR or another reference rate expected to be discontinued, subject to meeting certain criteria. Under the new guidance, an entity can elect by accounting topic or industry subtopic to account for the modification of a contract affected by reference rate reform as a continuation of the existing contract, if certain conditions are met. In addition, the new guidance allows an entity to elect on a hedge-by-hedge basis to continue to apply hedge accounting for hedging relationships in which the critical terms change due to reference rate reform, if certain conditions are met. A one-time election to sell and/or transfer held-to-maturity debt securities that reference a rate affected by reference rate reform is also allowed. ASU 2020-04 became effective for all entities as of March 12, 2020 and will apply to all LIBOR reference rate modifications through December 31, 2022. Management is currently evaluating the impact of ASU 2020-04 on the Company's financial statements. FASB Accounting Standards Update No. 2021-01, Reference Rate Reform (Topic 848): Scope ("ASU 2021-01") On January 7, 2021, the FASB issued ASU 2021-01 which clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments in this update are elective and apply to all entities that have derivative instruments that use an interest rate for margining, discounting, or contract price alignment that is modified as a result of reference rate reform. The amendments also optionally apply to all entities that designate receive-variable rate, pay-variable-rate cross-currency interest rate swaps as hedging instruments in net investment hedges that are modified as a result of reference rate reform. ASU 2021-01 is effective immediately for all entities and amendments may be applied on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020. Management is currently evaluating the impact of ASU 2021-01 on the Company's financial statements.

Securities

Securities3 Months Ended
Mar. 31, 2021
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, 2021 December 31, 2020 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) U.S. government securities $ 33,613 $ (239) $ 9,183 $ — Residential agency mortgage-backed securities 5,003,163 (10,647) 4,669,148 (3,624) Municipal securities 27,047 (49) 19,172 42 Other debt securities 22,126 (30) 10,472 22 Total trading securities $ 5,085,949 $ (10,965) $ 4,707,975 $ (3,560) Investment Securities The amortized cost and fair values of investment securities are as follows (in thousands): March 31, 2021 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal securities $ 216,047 $ 241,278 $ 25,395 $ (164) Residential agency mortgage-backed securities 8,477 9,216 739 — Other debt securities 2,214 2,213 — (1) Total investment securities 226,738 252,707 26,134 (165) Allowance for credit losses (617) Investment securities, net of allowance $ 226,121 $ 252,707 $ 26,134 $ (165) December 31, 2020 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal securities $ 229,245 $ 255,270 $ 26,169 $ (144) Residential agency mortgage-backed securities 8,913 9,790 877 — Other debt securities 7,373 7,371 — (2) Total investment securities 245,531 272,431 27,046 (146) Allowance for credit losses (688) Investment securities, net of allowance $ 244,843 $ 272,431 $ 27,046 $ (146) The amortized cost and fair values of investment securities at March 31, 2021, by contractual maturity, are as shown in the following table (dollars in thousands): Less than One to Six to Over Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 27,143 $ 76,456 $ 106,311 $ 8,351 $ 218,261 4.95 Fair value 27,866 85,490 121,763 8,372 243,491 Residential mortgage-backed securities: Amortized cost $ 8,477 2 Fair value 9,216 Total investment securities: Amortized cost $ 226,738 Fair value 252,707 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 4.4 years based upon current prepayment assumptions. Temporarily Impaired Investment Securities (in thousands): March 31, 2021 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Investment: Municipal securities 6 $ 2,440 $ 51 $ 2,035 $ 113 $ 4,475 $ 164 Other debt securities 1 25 1 — — 25 1 Total investment securities 7 $ 2,465 $ 52 $ 2,035 $ 113 $ 4,500 $ 165 December 31, 2020 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Investment: Municipal securities 6 $ 2,451 $ 40 $ 2,043 $ 104 $ 4,494 $ 144 Other debt securities 2 250 1 25 1 275 2 Total investment securities 8 $ 2,701 $ 41 $ 2,068 $ 105 $ 4,769 $ 146 Available for Sale Securities The amortized cost and fair value of available for sale securities are as follows (in thousands): March 31, 2021 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 500 $ 506 $ 6 $ — Municipal securities 248,016 245,657 1,422 (3,781) Mortgage-backed securities: Residential agency 9,483,601 9,705,314 266,968 (45,255) Residential non-agency 15,890 31,382 15,492 — Commercial agency 3,371,333 3,426,727 74,722 (19,328) Other debt securities 500 471 — (29) Total available for sale securities $ 13,119,840 $ 13,410,057 $ 358,610 $ (68,393) December 31, 2020 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 500 $ 508 $ 8 $ — Municipal securities 165,318 167,979 2,666 (5) Mortgage-backed securities: Residential agency 9,019,013 9,340,471 328,183 (6,725) Residential non-agency 17,563 32,770 15,207 — Commercial agency 3,406,956 3,508,465 103,590 (2,081) Other debt securities 500 472 — (28) Total available for sale securities $ 12,609,850 $ 13,050,665 $ 449,654 $ (8,839) The amortized cost and fair values of available for sale securities at March 31, 2021, by contractual maturity, are as shown in the following table (dollars in thousands): Less than One to Six to Over Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 71,119 $ 1,562,072 $ 1,379,950 $ 607,208 $ 3,620,349 7.76 Fair value 71,223 1,610,227 1,373,270 618,641 3,673,361 Residential mortgage-backed securities: Amortized cost $ 9,499,491 2 Fair value 9,736,696 Total available-for-sale securities: Amortized cost $ 13,119,840 Fair value 13,410,057 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 3.9 years based upon current prepayment assumptions. Sales of available for sale securities resulted in gains and losses as follows (in thousands): Three Months Ended March 31, 2021 2020 Proceeds $ 56,037 $ 26,894 Gross realized gains 473 3 Gross realized losses (6) — Related federal and state income tax expense (benefit) 119 1 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 $11.2 billion at March 31, 2021 and $11.6 billion at December 31, 2020. The secured parties do not have the right to sell or repledge these securities. Temporarily Impaired Available for Sale Securities (in thousands) March 31, 2021 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Available for sale: Municipal securities 81 $ 186,267 $ 3,781 $ — $ — $ 186,267 $ 3,781 Mortgage-backed securities: Residential agency 90 3,005,975 44,828 139,714 427 3,145,689 45,255 Commercial agency 60 711,113 18,623 305,406 705 1,016,519 19,328 Other debt securities 1 — — 471 29 471 29 Total available for sale securities 232 $ 3,903,355 $ 67,232 $ 445,591 $ 1,161 $ 4,348,946 $ 68,393 December 31, 2020 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Available for sale: Municipal securities 1 $ 6,166 $ 5 $ — $ — $ 6,166 $ 5 Mortgage-backed securities: Residential agency 38 786,890 6,605 160,747 120 947,637 6,725 Commercial agency 37 350,506 1,587 277,627 494 628,133 2,081 Other debt securities 1 — — 472 28 472 28 Total available for sale securities 77 $ 1,143,562 $ 8,197 $ 438,846 $ 642 $ 1,582,408 $ 8,839 Based on evaluations of impaired securities as of March 31, 2021, the Company does not intend to sell any impaired available for sale debt securities before fair value recovers to the current amortized cost and it is more-likely-than-not that the Company will not be required to sell impaired securities before fair value recovers, which may be maturity. Fair Value Option Securities Fair value option securities represent securities which the Company has elected to carry at fair value and are separately identified on the Consolidated Balance Sheets. Changes in the fair value are recognized in earnings as they occur. Certain securities are held as an economic hedge of the mortgage servicing rights. The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands): March 31, 2021 December 31, 2020 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) Residential agency mortgage-backed securities $ 72,498 $ 3,233 $ 114,982 $ 4,463

Derivatives

Derivatives3 Months Ended
Mar. 31, 2021
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. 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. Trading BOK Financial may offer derivative instruments such as to-be-announced securities to mortgage banking customers to enable them to manage their market risk or to mitigate the Company's market risk of holding trading securities. Changes in the fair value of derivative instruments for trading purposes or used to mitigate the market risk of holding trading securities are included in Other operating revenue – Brokerage and trading revenue. 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. 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. As discussed in Note 5, 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 5 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, 2021 (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 $ 3,221,571 $ 79,353 $ (9,135) $ 70,218 $ — $ 70,218 Energy contracts 3,930,367 618,401 (152,837) 465,564 — 465,564 Agricultural contracts 32,893 1,629 (1,513) 116 — 116 Foreign exchange contracts 346,897 343,101 — 343,101 (540) 342,561 Equity option contracts 65,678 1,455 — 1,455 (300) 1,155 Total customer risk management programs 7,597,406 1,043,939 (163,485) 880,454 (840) 879,614 Trading 67,796,867 785,765 (380,313) 405,452 (774) 404,678 Internal risk management programs 801,025 17,301 (12,437) 4,864 — 4,864 Total derivative contracts $ 76,195,298 $ 1,847,005 $ (556,235) $ 1,290,770 $ (1,614) $ 1,289,156 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 $ 3,221,571 $ 79,619 $ (9,135) $ 70,484 $ (60,429) $ 10,055 Energy contracts 3,897,430 602,728 (152,837) 449,891 (443,933) 5,958 Agricultural contracts 32,893 1,609 (1,513) 96 — 96 Foreign exchange contracts 347,166 343,134 — 343,134 (24) 343,110 Equity option contracts 65,678 1,455 — 1,455 — 1,455 Total customer risk management programs 7,564,738 1,028,545 (163,485) 865,060 (504,386) 360,674 Trading 66,746,760 834,430 (380,313) 454,117 (99,371) 354,746 Internal risk management programs 1,064,473 21,036 (12,437) 8,599 (4,463) 4,136 Total derivative contracts $ 75,375,971 $ 1,884,011 $ (556,235) $ 1,327,776 $ (608,220) $ 719,556 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, 2020 (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 $ 3,212,469 $ 113,524 $ (144) $ 113,380 $ — $ 113,380 Energy contracts 3,791,565 386,008 (211,468) 174,540 — 174,540 Agricultural contracts 14,765 3,859 — 3,859 — 3,859 Foreign exchange contracts 337,001 332,257 — 332,257 (420) 331,837 Equity option contracts 70,199 1,222 — 1,222 (285) 937 Total customer risk management programs 7,425,999 836,870 (211,612) 625,258 (705) 624,553 Trading 84,997,593 440,627 (240,655) 199,972 (26,958) 173,014 Internal risk management programs 995,123 17,352 (4,231) 13,121 — 13,121 Total derivative contracts $ 93,418,715 $ 1,294,849 $ (456,498) $ 838,351 $ (27,663) $ 810,688 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 $ 3,212,469 $ 113,900 $ (144) $ 113,756 $ (104,202) $ 9,554 Energy contracts 3,617,678 361,334 (211,468) 149,866 (114,070) 35,796 Agricultural contracts 14,781 3,844 — 3,844 (3,844) — Foreign exchange contracts 336,223 331,035 — 331,035 (1,165) 329,870 Equity option contracts 70,199 1,222 — 1,222 — 1,222 Total customer risk management programs 7,251,350 811,335 (211,612) 599,723 (223,281) 376,442 Trading 88,929,916 414,801 (240,655) 174,146 (145,692) 28,454 Internal risk management programs 145,256 5,529 (4,231) 1,298 (415) 883 Total derivative contracts $ 96,326,522 $ 1,231,665 $ (456,498) $ 775,167 $ (369,388) $ 405,779 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, 2021 March 31, 2020 Brokerage Gain (Loss) on Derivatives, Net Brokerage Gain (Loss)on Derivatives, Net Customer risk management programs: Interest rate contracts $ 1,388 $ — $ 942 $ — Energy contracts 1,020 — 2,007 — Agricultural contracts 18 — 15 — Foreign exchange contracts 166 — 258 — Equity option contracts — — — — Total customer risk management programs 2,592 — 3,222 — Trading 1 (71,259) — (40,655) — Internal risk management programs — (27,650) — 18,420 Total derivative contracts $ (68,667) $ (27,650) $ (37,433) $ 18,420 1 Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also include in Brokerage and Trading Revenue in the Consolidated Statements of Earnings.

Loans and Allowances for Credit

Loans and Allowances for Credit Losses3 Months Ended
Mar. 31, 2021
Loans and Leases Receivable, Net Amount [Abstract]
Loans [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. Accrued but not paid interest receivable is included in Receivables in the Consolidated Balance Sheets. 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. For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status. Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). Primarily 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. Payment deferrals up to six months are generally considered to be short-term modifications. 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 Consolidated 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. Internally risk graded loans are evaluated quarterly 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 to be impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. A portion of the principal balance continues to be guaranteed; 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, 2021 December 31, 2020 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,264,973 $ 9,245,738 $ 147,073 $ 12,657,784 $ 3,174,203 $ 9,736,173 $ 167,159 $ 13,077,535 Commercial real estate 1,019,531 3,456,573 27,243 4,503,347 1,047,486 3,623,806 27,246 4,698,538 Paycheck protection program 1,848,550 — — 1,848,550 1,682,310 — — 1,682,310 Loans to individuals 2,146,671 1,335,792 41,703 3,524,166 2,174,874 1,333,975 40,288 3,549,137 Total $ 8,279,725 $ 14,038,103 $ 216,019 $ 22,533,847 $ 8,078,873 $ 14,693,954 $ 234,693 $ 23,007,520 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, 2021, outstanding commitments totaled $11.2 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, 2021, outstanding standby letters of credit totaled $714 million. Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans Commitments The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans that we do not expect to collect over the asset’s contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. The appropriateness of the allowance for credit losses, including industry and product adjustments, is assessed quarterly by a senior management Allowance Committee. This review is based on an on-going evaluation of the estimated expected credit losses in the portfolio and on unused commitments to provide financing. A well-documented methodology has been developed and is applied by an independent Credit Administration department to assure consistency across the Company. The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics. When full collection of principal or interest is uncertain, the loan’s risk characteristics have changed, and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss. We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan’s amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan’s amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral’s fair value. Generally, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. For real property held as collateral for other loans, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice generally serve as the basis for the fair value. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed. General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan’s estimated remaining life. The loan’s estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90 percent of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur. Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10 percent of the committed dollars in the portfolio is calculated using charge-off migration. The expected credit loss on approximately 1 percent of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio. In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation, affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions. An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions, which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions. At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan’s estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios. General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions. 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 that are not unconditionally cancelable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank can not unconditionally cancel. 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 is summarized as follows (in thousands): Three Months Ended March 31, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 254,934 $ 86,558 $ — $ 47,148 $ — $ 388,640 Provision for loan losses (9,893) (4,579) — (7,298) — (21,770) Loans charged off (15,345) (263) — (1,297) — (16,905) Recoveries of loans previously charged off 1,676 30 — 731 — 2,437 Ending Balance $ 231,372 $ 81,746 $ — $ 39,284 — $ 352,402 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 14,422 $ 20,571 $ — $ 1,928 $ — $ 36,921 Provision for off-balance sheet credit risk (1,686) (2,273) — (85) — (4,044) Ending Balance $ 12,736 $ 18,298 $ — $ 1,843 $ — $ 32,877 Three Months Ended March 31, 2020 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 118,187 $ 51,805 $ — $ 23,572 $ 17,195 $ 210,759 Transition adjustment 33,681 (4,620) — 13,943 (17,195) 25,809 Beginning balance, adjusted 151,868 47,185 — 37,515 — 236,568 Provision for loan losses 77,723 5,115 — 13,126 — 95,964 Loans charged off (16,615) (886) — (1,416) — (18,917) Recoveries of loans previously charged off 462 47 — 1,187 — 1,696 Ending Balance $ 213,438 $ 51,461 $ — $ 50,412 — $ 315,311 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 1,434 $ 107 $ — $ 44 $ — $ 1,585 Transition adjustment 10,144 11,660 — 1,748 — 23,552 Beginning balance, adjusted 11,578 11,767 — 1,792 — 25,137 Provision for off-balance sheet credit risk 2,462 808 — 107 — 3,377 Ending Balance $ 14,040 $ 12,575 $ — $ 1,899 — $ 28,514 Changes in our reasonable and supportable forecasts of macroeconomic variables, primarily due to the anticipated impact of the on-going COVID-19 pandemic, and other assumptions, resulted in a $31.1 million reduction in the allowance for lending activities during the first quarter of 2021. Changes in the loan portfolio characteristics, including specific impairment and losses, loan balances and risk grading resulted in a $5.2 million increase in the allowance for lending activities. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at March 31, 2021 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,510,711 $ 214,711 $ 147,073 $ 16,661 $ 12,657,784 $ 231,372 Commercial real estate 4,476,104 78,356 27,243 3,390 4,503,347 81,746 Paycheck protection program 1,848,550 — — — 1,848,550 — Loans to individuals 3,482,463 39,284 41,703 — 3,524,166 39,284 Total $ 22,317,828 $ 332,351 $ 216,019 $ 20,051 $ 22,533,847 $ 352,402 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2020 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,910,376 $ 235,882 $ 167,159 $ 19,052 $ 13,077,535 $ 254,934 Commercial real estate 4,671,292 83,169 27,246 3,389 4,698,538 86,558 Paycheck protection program 1,682,310 — — — 1,682,310 — Loans to individuals 3,508,849 47,148 40,288 — 3,549,137 47,148 Total $ 22,772,827 $ 366,199 $ 234,693 $ 22,441 $ 23,007,520 $ 388,640 Credit Quality Indicators The Company utilizes risk grading as primary credit quality indicators as it influences the probability of default which is a key attribute in the expected credit losses calculation. Substantially all commercial as well as commercial real estate loans and certain loans to individuals are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most loans to individuals are small, homogeneous pools that are not risk-graded. The credit quality of these loans is based on past due days in accordance with regulatory guidelines. We have included in the credit quality indicator “pass” loans that 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.” This also includes 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 ("Special Mention") 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. Non-graded loans 30 to 59 days past due are categorized as Special Mention. The risk grading process identified certain loans that have a well-defined weakness (for example, 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 remain on accruing status. Non-graded loans 60 to 89 days past due are categorized as Accruing Substandard. Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines. Non-graded loans 90 or more days past due are categorized as Nonaccrual. Probability of default is lowest for pass graded loans and increases for each credit quality indicator, Special Mention, and Accruing Substandard. Vintage represents the year of origination, except for revolving loans which are considered in aggregate. Loans that were once revolving but have converted to term loans without additional underwriting appear in a separate vintage column. The following table summarizes the Company’s loan portfolio at March 31, 2021 by the risk grade categories and vintage (in thousands): Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 63,102 $ 81,658 $ 51,881 $ 78,812 $ 6,731 $ 8,019 $ 2,388,115 $ — $ 2,678,318 Special Mention 17,000 — — — — — 144,976 — 161,976 Accruing Substandard — 24,051 1,319 1,337 — 11,922 221,765 — 260,394 Nonaccrual — 21,008 2,488 — — 13,340 64,964 — 101,800 Total energy 80,102 126,717 55,688 80,149 6,731 33,281 2,819,820 — 3,202,488 Healthcare Pass 114,646 570,755 617,791 615,371 394,541 780,397 153,973 — 3,247,474 Special Mention — — — — — 504 5 — 509 Accruing Substandard — — 27,500 1,032 — 11,056 — — 39,588 Nonaccrual — — 18 — — 2,660 509 — 3,187 Total healthcare 114,646 570,755 645,309 616,403 394,541 794,617 154,487 — 3,290,758 Services Pass 182,186 542,579 381,122 327,241 300,688 1,005,483 574,095 627 3,314,021 Special Mention — 138 1,446 1,008 7 1,844 1,971 — 6,414 Accruing Substandard — 421 11,238 18,435 5,288 9,471 28,627 — 73,480 Nonaccrual — 4,732 448 766 14,369 7,033 685 — 28,033 Total services 182,186 547,870 394,254 347,450 320,352 1,023,831 605,378 627 3,421,948 General business Pass 118,267 361,002 370,674 274,644 209,218 297,857 1,032,658 2,305 2,666,625 Special Mention — 189 4,850 3,401 7,469 1,781 4,903 — 22,593 Accruing Substandard — 1,392 2,575 12,901 8,738 10,287 3,408 18 39,319 Nonaccrual — 1,675 3,887 5,893 1,430 565 558 45 14,053 Total general business 118,267 364,258 381,986 296,839 226,855 310,490 1,041,527 2,368 2,742,590 Total commercial 495,201 1,609,600 1,477,237 1,340,841 948,479 2,162,219 4,621,212 2,995 12,657,784 Commercial real estate: Pass 73,306 812,635 1,215,895 796,047 430,066 951,180 163,737 37 4,442,903 Special Mention — — — 3,201 14,110 6,900 — — 24,211 Accruing Substandard — — — — 4,454 4,509 27 — 8,990 Nonaccrual — — 8,300 — — 18,943 — — 27,243 Total commercial real estate 73,306 812,635 1,224,195 799,248 448,630 981,532 163,764 37 4,503,347 Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 544,128 1,304,422 — — — — — — 1,848,550 Total paycheck protection program 544,128 1,304,422 — — — — — — 1,848,550 Loans to individuals: Residential mortgage Pass 124,830 534,781 119,866 100,259 103,645 433,347 318,319 23,567 1,758,614 Special Mention — 22 — 1,851 — 3,429 204 74 5,580 Accruing Substandard — — — — — — 400 — 400 Nonaccrual — 626 124 1,913 728 24,658 4,013 822 32,884 Total residential mortgage 124,830 535,429 119,990 104,023 104,373 461,434 322,936 24,463 1,797,478 Residential mortgage guaranteed by U.S. government agencies Pass — 7,101 32,171 35,189 45,744 291,282 — — 411,487 Nonaccrual — — — 873 — 7,691 — — 8,564 Total residential mortgage guaranteed by U.S. government agencies — 7,101 32,171 36,062 45,744 298,973 — — 420,051 Personal: Pass 44,298 215,962 192,533 73,230 97,757 155,714 524,716 1,370 1,305,580 Special Mention — 28 14 21 2 474 12 — 551 Accruing Substandard — — 215 — — 17 19 — 251 Nonaccrual — 2 11 60 73 81 28 — 255 Total personal 44,298 215,992 192,773 73,311 97,832 156,286 524,775 1,370 1,306,637 Total loans to individuals 169,128 758,522 344,934 213,396 247,949 916,693 847,711 25,833 3,524,166 Total loans $ 1,281,763 $ 4,485,179 $ 3,046,366 $ 2,353,485 $ 1,645,058 $ 4,060,444 $ 5,632,687 $ 28,865 $ 22,533,847 The following table summarizes the Company’s loan portfolio at December 31, 2020 by the risk grade categories and vintage (in thousands): Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 112,614 $ 51,863 $ 89,346 $ 7,178 $ 1,148 $ 7,956 $ 2,548,663 $ — $ 2,818,768 Special Mention — — — — — — 202,590 — 202,590 Accruing Substandard 24,000 1,363 1,453 — 12,667 — 283,294 — 322,777 Nonaccrual 21,076 2,607 — — — 21,064 80,312 — 125,059 Total energy 157,690 55,833 90,799 7,178 13,815 29,020 3,114,859 — 3,469,194 Healthcare Pass 536,745 615,221 638,302 422,834 234,399 658,286 147,132 — 3,252,919 Special Mention — 27,500 — — — 8,282 5 — 35,787 Accruing Substandard — — 1,191 929 132 11,387 — — 13,639 Nonaccrual — 18 183 — — 2,935 509 — 3,645 Total healthcare 536,745 642,739 639,676 423,763 234,531 680,890 147,646 — 3,305,990 Services Pass 534,853 436,384 372,867 307,374 373,785 683,936 665,491 682 3,375,372 Special Mention 150 9,057 389 291 2,038 2,000 3,063 — 16,988 Accruing Substandard 429 6,380 26,008 6,027 5,030 7,954 38,797 — 90,625 Nonaccrual 4,833 448 — 12,590 1,049 6,138 540 — 25,598 Total services 540,265 452,269 399,264 326,282 381,902 700,028 707,891 682 3,508,583 General business Pass 419,756 394,985 310,273 236,222 103,987 186,600 1,055,878 2,316 2,710,017 Special Mention 197 4,519 9,713 7,803 2,511 3,159 2,483 19 30,404 Accruing Substandard 1,432 3,069 6,694 10,935 10,042 3,729 4,449 140 40,490 Nonaccrual 1,675 3,728 4,863 1,436 530 107 477 41 12,857 Total general business 423,060 406,301 331,543 256,396 117,070 193,595 1,063,287 2,516 2,793,768 Total commercial 1,657,760 1,557,142 1,461,282 1,013,619 747,318 1,603,533 5,033,683 3,198 13,077,535 Commercial real estate: Pass 725,577 1,211,338 954,226 489,193 314,899 722,475 223,131 38 4,640,877 Special Mention — — 259 12,311 2,725 5,831 — — 21,126 Accruing Substandard — — — 4,410 — 4,852 27 — 9,289 Nonaccrual — 8,300 — 232 7,468 11,246 — — 27,246 Total commercial real estate 725,577 1,219,638 954,485 506,146 325,092 744,404 223,158 38 4,698,538 Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 1,682,310 — — — — — — — 1,682,310 Total paycheck protection program 1,682,310 — — — — — — — 1,682,310 Loans to individuals: Residential mortgage Pass 564,325 149,832 120,875 124,930 158,801 348,292 335,259 24,553 1,826,867 Special Mention 33 11 2,094 — 59 318 950 10 3,475 Accruing Substandard — — 51 — — 34 272 76 433 Nonaccrual 648 104 1,658 784 2,010 22,415 3,835 774 32,228 Total residential mortgage 565,006 149,947 124,678 125,714 160,870 371,059 340,316 25,413 1,863,003 Residential mortgage guaranteed by U.S. government agencies Pass 4,859 33,880 34,464 43,099 58,264 226,380 — — 400,946 Nonaccrual — — 545 — 309 6,887 — — 7,741 Total residential mortgage guaranteed by U.S. government agencies 4,859 33,880 35,009 43,099 58,573 233,267 — — 408,687 Personal: Pass 219,873 200,580 76,246 100,229 64,104 102,126 510,571 1,510 1,275,239 Special Mention 39 55 66 — 469 31 965 — 1,625 Accruing Substandard 11 214 10 — — — 29 — 264 Nonaccrual 28 17 57 73 50 49 45 — 319 Total personal 219,951 200,866 76,379 100,302 64,623 102,206 511,610 1,510 1,277,447 Total loans to individuals 789,816 384,693 236,066 269,115 284,066 706,532 851,926 26,923 3,549,137 Total loans $ 4,855,463 $ 3,161,473 $ 2,651,833 $ 1,788,880 $ 1,356,476 $ 3,054,469 $ 6,108,767 $ 30,159 $ 23,007,520 Nonaccruing Loans A summary of nonaccruing loans at March 31, 2021 follows (in thousands): As of March 31, 2021 Total With No With Allowance Related Allowance Commercial: Energy $ 101,800 $ 48,042 $ 53,758 $ 13,893 Healthcare 3,187 3,187 — — Services 28,033 24,046 3,987 2,650 General business 14,053 13,935 118 118 Total commercial 147,073 89,210 57,863 16,661 Commercial real estate 27,243 13,642 13,601 3,390 Loans to individuals: Residential mortgage 32,884 32,884 — — Residential mortgage guaranteed by U.S. government agencies 8,564 8,564 — — Personal 255 255 — — Total loans to individuals 41,703 41,703 — — Total $ 216,019 $ 144,555 $ 71,464 $ 20,051 A summary of nonaccruing loans at December 31, 2020 follows (in thousands): As of December 31, 2020 Total With No With Allowance Related Allowance Commercial: Energy $ 125,059 $ 76,633 $ 48,426 $ 16,478 Healthcare 3,645 3,645 — — Services 25,598 20,810 4,788 2,574 General business 12,857 12,857 — — Total commercial 167,159 113,945 53,214 19,052 Commercial real estate 27,246 13,645 13,601 3,389 Loans to individuals: Residential mortgage 32,228 32,228 — — Residential mortgage guaranteed by U.S. government agencies 7,741 7,741 — — Personal 319 319 — — Total loans to individuals 40,288 40,288 — — Total $ 234,693 $ 167,878 $ 66,815 $ 22,441 Troubled Debt Restructurings At March 31, 2021 the Company had $186 million in troubled debt restructurings ("TDRs"), of which $155 million were accruing residential mortgage loans guaranteed by U.S. government agencies and $17 million were nonaccruing residential mortgage loans with no specific allowance necessary. Approximately $103 million of TDRs were performing in accordance with the modified terms. At December 31, 2020, the Company had $187 million in TDRs, of which $152 million were accruing residential mortgage loans guaranteed by U.S. government agencies. Approximately $95 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, 2021, $13 million of loans were restructur

Mortgage Banking Activities

Mortgage Banking Activities3 Months Ended
Mar. 31, 2021
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, 2021 December 31, 2020 Unpaid Principal Balance/ Fair Value Unpaid Principal Balance/ Fair Value Residential mortgage loans held for sale $ 260,005 $ 262,333 $ 227,161 $ 236,444 Residential mortgage loan commitments 387,465 11,455 380,637 20,435 Forward sales contracts 584,743 10,659 549,414 (4,563) $ 284,447 $ 252,316 No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of March 31, 2021 or December 31, 2020. No credit losses were recognized on residential mortgage loans held for sale for the three month period ended March 31, 2021 and 2020. Mortgage banking revenue was as follows (in thousands): Three Months Ended March 31, 2021 2020 Production revenue: Net realized gains on sale of mortgage loans $ 26,000 $ 9,717 Net change in unrealized gain (loss) on mortgage loans held for sale (6,955) 3,561 Net change in the fair value of mortgage loan commitments (8,980) 19,017 Net change in the fair value of forward sales contracts 15,222 (10,725) Total production revenue 25,287 21,570 Servicing revenue 11,826 15,597 Total mortgage banking revenue $ 37,113 $ 37,167 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, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 101,912 106,201 Outstanding principal balance of residential mortgage loans serviced for others $ 15,458,772 $ 16,228,449 Weighted average interest rate 3.78 % 3.84 % Remaining term (in months) 279 280 The following represents activity in capitalized mortgage servicing rights (in thousands): Three Months Ended March 31, 2021 2020 Beginning Balance $ 101,172 $ 201,886 Additions 9,830 5,441 Change in fair value due to principal payments (11,961) (8,019) Change in fair value due to market assumption changes 33,874 (88,480) Ending Balance $ 132,915 $ 110,828 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, 2021 December 31, 2020 Discount rate – risk-free rate plus a market premium 9.13% 9.14% Prepayment rate - based upon loan interest rate, original term and loan type 6.37% - 17.80% 9.41% - 21.87% Loan servicing costs – annually per loan based upon loan type: Performing loans $69 - $94 $69 - $94 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 1.04% 0.43% Primary/secondary mortgage rate spread 105 bps 105 bps Delinquency rate 2.77% 3.54% Changes in primary residential mortgage interest rates directly affect the prepayment speeds used in valuing our mortgage servicing rights. A separate third party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults and other relevant factors. The prepayment model is updated periodically for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial’s servicing portfolio.

Commitments and Contingent Liab

Commitments and Contingent Liabilities3 Months Ended
Mar. 31, 2021
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 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 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, less the value of the facilities securing repayment of the bonds, subject to oversight by a court appointed monitor (“Payment Plan”). 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. The New Jersey Federal District Action remains stayed with no current deadlines pending. 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. The Tulsa County District Court Action is pending on BOKF, NA’s motion to dismiss the plaintiff's Third Amended Petition. On January 8, 2020, the New Jersey District Court entered judgment against the principal individual and his wife for $36,805,051 in principal amount and $10,937,831 in pre-judgment interest. On January 17, 2020, the New Jersey Federal District Court formally terminated the Payment Plan. Management is no longer able to conclude that the individual principal and his wife will be successful in paying the obligations they have to pay the bonds in full but such obligations remain and are not dischargeable in bankruptcy. Beginning September 2020, the SEC filed multiple garnishments on entities either related to or holding assets for the debtor. If the individual principal and his wife do not have the financial ability to pay the bonds in full, a bondholder loss could become probable. Management has been advised by counsel that BOKF, NA has valid defenses to claims of bondholders and that no loss to the company is probable. No provision for losses has been made at this time. BOKF, NA estimates that, upon sale of all remaining collateral securing payment of the bonds, approximately $20 million will remain outstanding. A reasonable estimate cannot be made of the amount of any bondholder loss, though the amount of bondholder loss could be material to the company in the event a loss to the company becomes probable. On March 5, 2018, BOKF, NA was sued in the Fulton, Georgia County District Court by a Wrongful Death Judgment Creditor of 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 this conduct prevented her from collecting on her judgment. On April 19, 2019, the Court granted BOKF, NA's Motion to Dismiss. On May 3, 2019, the plaintiff filed a Motion for Reconsideration which remains pending. BOKF, NA is advised by counsel that BOKF, NA has valid defenses to the plaintiffs’ claims and no loss is probable. 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. On September 18, 2018, the District Court dismissed the Texas action and the plaintiff appealed the dismissal to the United States Court of Appeals for the Fifth Circuit which heard argument on October 8, 2019. 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. The District Court dismissed the plaintiff's action. The plaintiff has appealed to the United States Court of Appeals for the Tenth Circuit. Management is advised by counsel that a loss is not probable in either the now dismissed Texas action or the New Mexico action and that the loss, if any, cannot be reasonably estimated. On March 7, 2020, three former employees sued BOKF, NA, the Plan Committee of the BOKF, NA 401k Plan, and Cavanal Hill Investment Management, Inc., a subsidiary of BOKF, NA, alleging that the Defendants included proprietary investment products as investment options in the BOKF, NA 401k Plan, whose fees were too high and performance too low, for the purpose of earning fees. The action is brought as a putative class action on behalf of all Plan Participants. The action is pending on the defendants' motion to dismiss. Management is advised by counsel that a loss is not probable and that the loss, if any, cannot be reasonably estimated. In 2019, a limited liability partnership sued BOKF, NA in Colorado District Court alleging that the Bank breached various fiduciary duties acting in its capacity as trustee of a trust that was a co-general partner of the partnership, claiming in excess of $60 million in damages. From 2000 to 2009, BOKF was serving as personal representative of the estate of the creator of the trust. In 2009, BOKF moved to close the probate of the estate in the Colorado Probate Court. The members of the partnership who now sue BOKF objected to the closing of the estate, making the same allegations in 2009 in probate as they now make in 2019 in the Colorado District Court. In 2009, the Colorado Probate Court entered summary judgment against the beneficiaries and the estate was closed. In the current action, the Colorado District Court has now denied BOKF’s motions for summary judgment and the matter will proceed to trial. 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 a private equity fund 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.

Shareholders' Equity

Shareholders' Equity3 Months Ended
Mar. 31, 2021
Stockholders' Equity Note [Abstract]
Shareholders' Equity [Text Block]Shareholders' Equity On May 4, 2021, the Company declared a quarterly cash dividend of $0.52 per common share payable on or about May 27, 2021 to shareholders of record as of May 17, 2021. Dividends declared were $0.52 per share during the three months ended March 31, 2021 and $0.51 per share during the three months ended March 31, 2020. 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, Dec. 31, 2019 $ 104,996 $ (73) $ 104,923 Net change in unrealized gain (loss) 297,843 — 297,843 Reclassification adjustments included in earnings: Gain on available for sale securities, net (3) — (3) Other comprehensive income, before income taxes 297,840 — 297,840 Federal and state income taxes 71,471 — 71,471 Other comprehensive income, net of income taxes 226,369 — 226,369 Balance, March 31, 2020 $ 331,365 $ (73) $ 331,292 Balance, Dec. 31, 2020 $ 335,032 $ 836 $ 335,868 Net change in unrealized gain (loss) (150,131) — (150,131) Reclassification adjustments included in earnings: Gain on available for sale securities, net (467) — (467) Other comprehensive income, before income taxes (150,598) — (150,598) Federal and state income taxes (36,139) — (36,139) Other comprehensive income (loss), net of income taxes (114,459) — (114,459) Balance, March 31, 2021 $ 220,573 $ 836 $ 221,409

Earnings Per Share

Earnings Per Share3 Months Ended
Mar. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]Earnings Per Share (In thousands, except share and per share amounts) Three Months Ended March 31, 2021 2020 Numerator: Net income attributable to BOK Financial Corp. shareholders $ 146,060 $ 62,079 Less: Earnings allocated to participating securities 937 343 Numerator for basic earnings per share – income available to common shareholders 145,123 61,736 Effect of reallocating undistributed earnings of participating securities — — Numerator for diluted earnings per share – income available to common shareholders $ 145,123 $ 61,736 Denominator: Weighted average shares outstanding 69,583,788 70,513,807 Less: Participating securities included in weighted average shares outstanding 446,413 390,122 Denominator for basic earnings per common share 69,137,375 70,123,685 Dilutive effect of employee stock compensation plans 4,335 6,481 Denominator for diluted earnings per common share 69,141,710 70,130,166 Basic earnings per share $ 2.10 $ 0.88 Diluted earnings per share $ 2.10 $ 0.88

Reportable Segments

Reportable Segments3 Months Ended
Mar. 31, 2021
Segment Reporting [Abstract]
Reportable Segments [Text Block]Reportable Segments Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2021 is as follows (in thousands): Commercial Consumer Wealth Funds Management and Other BOK Net interest revenue from external sources $ 155,799 $ 16,686 $ 48,554 $ 59,381 $ 280,420 Net interest revenue (expense) from internal sources (25,794) 4,288 (200) 21,706 — Net interest revenue 130,005 20,974 48,354 81,087 280,420 Provision for credit losses 13,985 1,136 (29) (40,092) (25,000) Net interest revenue after provision for credit losses 116,020 19,838 48,383 121,179 305,420 Other operating revenue 46,579 52,282 66,123 (1,087) 163,897 Other operating expense 66,979 55,743 78,565 81,340 282,627 Net direct contribution 95,620 16,377 35,941 38,752 186,690 Gain (loss) on financial instruments, net 33 (29,616) — 29,583 — Change in fair value of mortgage servicing rights — 33,874 — (33,874) — Gain (loss) on repossessed assets, net 12,737 41 — (12,778) — Corporate expense allocations 12,734 11,487 9,887 (34,108) — Net income before taxes 95,656 9,189 26,054 55,791 186,690 Federal and state income taxes 25,983 2,340 6,672 7,387 42,382 Net income 69,673 6,849 19,382 48,404 144,308 Net income (loss) attributable to non-controlling interests — — — (1,752) (1,752) Net income attributable to BOK Financial Corp. shareholders $ 69,673 $ 6,849 $ 19,382 $ 50,156 $ 146,060 Average assets $ 28,047,052 $ 9,755,539 $ 18,645,865 $ (6,137,823) $ 50,310,633 Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2020 is as follows (in thousands): Commercial Consumer Wealth Funds Management and Other BOK Net interest revenue from external sources $ 201,902 $ 25,876 $ 14,366 $ 19,216 $ 261,360 Net interest revenue (expense) from internal sources (50,495) 18,056 4,538 27,901 — Net interest revenue 151,407 43,932 18,904 47,117 261,360 Provision for credit losses 16,880 1,256 (48) 75,683 93,771 Net interest revenue after provision for credit losses 134,527 42,676 18,952 (28,566) 167,589 Other operating revenue 38,220 55,062 97,881 (10,844) 180,319 Other operating expense 60,752 53,844 78,192 75,836 268,624 Net direct contribution 111,995 43,894 38,641 (115,246) 79,284 Gain (loss) on financial instruments, net 49 86,764 7 (86,820) — Change in fair value of mortgage servicing rights — (88,480) — 88,480 — Gain (loss) on repossessed assets, net 9 13 — (22) — Corporate expense allocations 8,905 10,389 8,265 (27,559) — Net income before taxes 103,148 31,802 30,383 (86,049) 79,284 Federal and state income taxes 28,173 8,101 7,810 (26,784) 17,300 Net income 74,975 23,701 22,573 (59,265) 61,984 Net income (loss) attributable to non-controlling interests — — — (95) (95) Net income attributable to BOK Financial Corp. shareholders $ 74,975 $ 23,701 $ 22,573 $ (59,170) $ 62,079 Average assets $ 24,687,976 $ 9,850,853 $ 12,723,412 $ (1,541,623) $ 45,720,618

Fees and Commissions Revenue Fe

Fees and Commissions Revenue Fees and Commissions Revenue3 Months Ended
Mar. 31, 2021
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, 2021. Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 3,716 $ — $ 3,716 $ 3,716 $ — Customer hedging revenue 4,207 — 91 (1,706) 2,592 2,592 — Retail brokerage revenue — — 4,741 — 4,741 — 4,741 Insurance brokerage revenue — — 2,916 — 2,916 — 2,916 Investment banking revenue 2,258 — 4,768 (209) 6,817 2,049 4,768 Brokerage and trading revenue 6,465 — 16,232 (1,915) 20,782 8,357 12,425 TransFund EFT network revenue 18,443 834 (13) 2 19,266 — 19,266 Merchant services revenue 2,266 16 — (1) 2,281 — 2,281 Corporate card revenue 804 — 28 51 883 — 883 Transaction card revenue 21,513 850 15 52 22,430 — 22,430 Personal trust revenue — — 21,977 — 21,977 — 21,977 Corporate trust revenue — — 3,789 — 3,789 — 3,789 Institutional trust & retirement plan services revenue — — 12,610 — 12,610 — 12,610 Investment management services and other revenue — — 2,903 43 2,946 — 2,946 Fiduciary and asset management revenue — — 41,279 43 41,322 — 41,322 Commercial account service charge revenue 11,988 434 581 1 13,004 — 13,004 Overdraft fee revenue 26 4,635 19 — 4,680 — 4,680 Check card revenue — 5,327 — — 5,327 — 5,327 Automated service charge and other deposit fee revenue 26 1,150 23 (1) 1,198 — 1,198 Deposit service charges and fees 12,040 11,546 623 — 24,209 — 24,209 Mortgage production revenue — 25,287 — — 25,287 25,287 — Mortgage servicing revenue — 12,277 — (451) 11,826 11,826 — Mortgage banking revenue — 37,564 — (451) 37,113 37,113 — Other revenue 9,829 2,340 7,535 (3,408) 16,296 13,143 3,153 Total fees and commissions revenue $ 49,847 $ 52,300 $ 65,684 $ (5,679) $ 162,152 $ 58,613 $ 103,539 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. Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2020. Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 34,384 $ — $ 34,384 $ 34,384 $ — Customer hedging revenue 2,525 — 135 563 3,223 3,223 — Retail brokerage revenue — — 4,343 — 4,343 — 4,343 Insurance brokerage revenue — — 3,789 — 3,789 — 3,789 Investment banking revenue 1,880 — 3,160 — 5,040 1,828 3,212 Brokerage and trading revenue 4,405 — 45,811 563 50,779 39,435 11,344 TransFund EFT network revenue 18,212 831 (19) 2 19,026 — 19,026 Merchant services revenue 2,305 14 — — 2,319 — 2,319 Corporate card revenue 520 — 16 — 536 — 536 Transaction card revenue 21,037 845 (3) 2 21,881 — 21,881 Personal trust revenue — — 20,649 — 20,649 — 20,649 Corporate trust revenue — — 6,362 — 6,362 — 6,362 Institutional trust & retirement plan services revenue — — 11,896 — 11,896 — 11,896 Investment management services and other revenue — — 5,592 (41) 5,551 — 5,551 Fiduciary and asset management revenue — — 44,499 (41) 44,458 — 44,458 Commercial account service charge revenue 11,039 410 545 (1) 11,993 — 11,993 Overdraft fee revenue 49 7,205 22 2 7,278 — 7,278 Check card revenue — 5,229 — — 5,229 — 5,229 Automated service charge and other deposit fee revenue 229 1,386 13 2 1,630 — 1,630 Deposit service charges and fees 11,317 14,230 580 3 26,130 — 26,130 Mortgage production revenue — 21,569 — — 21,569 21,569 — Mortgage servicing revenue — 16,042 — (444) 15,598 15,598 — Mortgage banking revenue — 37,611 — (444) 37,167 37,167 — Other revenue 4,700 2,376 6,994 (1,761) 12,309 8,408 3,901 Total fees and commissions revenue $ 41,459 $ 55,062 $ 97,881 $ (1,678) $ 192,724 $ 85,010 $ 107,714 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, 2021
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, 2021 and 2020, respectively. Transfers between significant other observable inputs and significant unobservable inputs during the three months ended March 31, 2021 and 2020 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, 2021 or December 31, 2020. 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, 2021 (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 securities $ 33,613 $ 2,070 $ 31,543 $ — Residential agency mortgage-backed securities 5,003,163 — 5,003,163 — Municipal securities 27,047 — 27,047 — Other trading securities 22,126 — 22,126 — Total trading securities 5,085,949 2,070 5,083,879 — Available for sale securities: U.S. Treasury 506 506 — — Municipal securities 245,657 — 245,657 — Residential agency mortgage-backed securities 9,705,314 — 9,705,314 — Residential non-agency mortgage-backed securities 31,382 — 31,382 — Commercial agency mortgage-backed securities 3,426,727 — 3,426,727 — Other debt securities 471 — — 471 Total available for sale securities 13,410,057 506 13,409,080 471 Fair value option securities – Residential agency mortgage-backed securities 72,498 — 72,498 — Residential mortgage loans held for sale 1 284,447 — 279,151 5,296 Mortgage servicing rights 2 132,915 — — 132,915 Derivative contracts, net of cash collateral 3 1,289,156 2,772 1,286,384 — Liabilities: Derivative contracts, net of cash collateral 3 719,556 2,721 716,835 — 1 Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 94.55% of the unpaid principal balance. 2 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 5, Mortgage Banking Activities. 3 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 contracts. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate and energy derivative contracts, net of cash margin. The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2020 (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 securities $ 9,183 $ 4,999 $ 4,184 $ — Residential agency mortgage-backed securities 4,669,148 — 4,669,148 — Municipal securities 19,172 — 19,172 — Other trading securities 10,472 — 10,472 — Total trading securities 4,707,975 4,999 4,702,976 — Available for sale securities: U.S. Treasury 508 508 — — Municipal securities 167,979 — 167,979 — Residential agency mortgage-backed securities 9,340,471 — 9,340,471 — Residential non-agency mortgage-backed securities 32,770 — 32,770 — Commercial agency mortgage-backed securities 3,508,465 — 3,508,465 — Other debt securities 472 — — 472 Total available for sale securities 13,050,665 508 13,049,685 472 Fair value option securities — Residential agency mortgage-backed securities 114,982 — 114,982 — Residential mortgage loans held for sale 1 252,316 — 245,299 7,017 Mortgage servicing rights 2 101,172 — — 101,172 Derivative contracts, net of cash collateral 3 810,688 10,780 799,908 — Liabilities: Derivative contracts, net of cash collateral 3 405,779 — 405,779 — 1 Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 94.57% of the unpaid principal balance. 2 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 5, Mortgage Banking Activities. 3 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 contracts. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural 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 Company has elected to carry all residential mortgage-backed securities guaranteed by U.S. government agencies held as economic hedges against changes in the fair value of mortgage servicing rights at fair value with changes in the fair value recognized in earnings. 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 Company has elected to carry all residential mortgage loans originated for sale at fair value. Changes in the fair value of these financial instruments are recognized in earnings. 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. 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 nonaccruing 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, 2021 for which the fair value was adjusted during the three months ended March 31, 2021: Fair Value Adjustments for the Carrying Value at March 31, 2021 Three Months Ended Quoted Prices Significant Significant Gross charge-offs against allowance for loan losses Net losses (gains) and operating expenses of repossessed assets Nonaccruing loans $ — $ 259 $ 34,046 $ 15,049 $ — Real estate and other repossessed assets — 1,706 300 — 2,200 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, 2020 for which the fair value was adjusted during the three months ended March 31, 2020: Fair Value Adjustments for the Carrying Value at March 31, 2020 Three Months Ended Quoted Prices Significant Significant Gross charge-offs against allowance for loan losses Net losses (gains) and operating expenses of repossessed assets Nonaccruing loans $ — $ 293 $ 22,746 $ 15,789 $ — Real estate and other repossessed assets — 1,066 400 — 226 The fair value of collateral-dependent nonaccruing 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 nonaccruing 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, 2021 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range Nonaccruing loans $ 34,046 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 10% - 91% (47%) 1 Real estate and other repossessed assets 300 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 N/A 1 Represents fair value as a percentage of the unpaid principal balance. A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of March 31, 2020 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range Nonaccruing loans $ 22,746 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 6% - 71% (36%) 1 Real estate and other repossessed assets 400 Appraised value, as adjusted Marketability adjustments off appraised value 2 87% - 87% (87%) 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. 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, 2021 (dollars in thousands): Carrying Estimated Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Cash and due from banks $ 723,983 $ 723,983 $ 723,983 $ — $ — Interest-bearing cash and cash equivalents 695,213 695,213 695,213 — — Trading securities: U.S. government securities 33,613 33,613 2,070 31,543 — Residential agency mortgage-backed securities 5,003,163 5,003,163 — 5,003,163 — Municipal securities 27,047 27,047 — 27,047 — Other trading securities 22,126 22,126 — 22,126 — Total trading securities 5,085,949 5,085,949 2,070 5,083,879 — Investment securities: Municipal securities 216,047 241,278 — 67,510 173,768 Residential agency mortgage-backed securities 8,477 9,216 — 9,216 — Other debt securities 2,214 2,213 — 2,213 — Total investment securities 226,738 252,707 — 78,939 173,768 Allowance for credit losses (617) — — — — Investment securities, net of allowance 226,121 252,707 — 78,939 173,768 Available for sale securities: U.S. Treasury 506 506 506 — — Municipal securities 245,657 245,657 — 245,657 — Residential agency mortgage-backed securities 9,705,314 9,705,314 — 9,705,314 — Residential non-agency mortgage-backed securities 31,382 31,382 — 31,382 — Commercial agency mortgage-backed securities 3,426,727 3,426,727 — 3,426,727 — Other debt securities 471 471 — — 471 Total available for sale securities 13,410,057 13,410,057 506 13,409,080 471 Fair value option securities – Residential agency mortgage-backed securities 72,498 72,498 — 72,498 — Residential mortgage loans held for sale 284,447 284,447 — 279,151 5,296 Loans: Commercial 12,657,784 12,546,069 — — 12,546,069 Commercial real estate 4,503,347 4,435,740 — — 4,435,740 Paycheck protection program 1,848,550 1,820,749 — — 1,820,749 Loans to individuals 3,524,166 3,528,950 — — 3,528,950 Total loans 22,533,847 22,331,508 — — 22,331,508 Allowance for loan losses (352,402) — — — — Loans, net of allowance 22,181,445 22,331,508 — — 22,331,508 Mortgage servicing rights 132,915 132,915 — — 132,915 Derivative instruments with positive fair value, net of cash collateral 1,289,156 1,289,156 2,772 1,286,384 — Deposits with no stated maturity 35,848,270 35,848,270 — — 35,848,270 Time deposits 2,004,356 2,008,294 — — 2,008,294 Other borrowed funds 2,503,678 2,500,771 — — 2,500,771 Subordinated debentures 276,024 288,109 — 288,109 — Derivative instruments with negative fair value, net of cash collateral 719,556 719,556 2,721 716,835 — 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, 2020 (dollars in thousands): Carrying Estimated Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Cash and due from banks $ 798,757 $ 798,757 $ 798,757 $ — $ — Interest-bearing cash and cash equivalents 381,816 381,816 381,816 — — Trading securities: U.S. government securities 9,183 9,183 4,999 4,184 — Residential agency mortgage-backed securities 4,669,148 4,669,148 — 4,669,148 — Municipal securities 19,172 19,172 — 19,172 — Other trading securities 10,472 10,472 — 10,472 — Total trading securities 4,707,975 4,707,975 4,999 4,702,976 — Investment securities: Municipal securities 229,245 255,270 — 69,404 185,866 Residential agency mortgage-backed securities 8,913 9,790 — 9,790 — Other debt securities 7,373 7,371 — 7,371 — Total investment securities 245,531 272,431 — 86,565 185,866 Allowance for credit losses (688) 0 — 0 0 Investment securities, net of allowance 244,843 272,431 — 86,565 185,866 Available for sale securities: U.S. Treasury 508 508 508 — — Municipal securities 167,979 167,979 — 167,979 — Residential agency mortgage-backed securities 9,340,471 9,340,471 — 9,340,471 — Residential non-agency mortgage-backed securities 32,770 32,770 — 32,770 — Commercial agency mortgage-backed securities 3,508,465 3,508,465 — 3,508,465 — Other debt securities 472 472 — — 472 Total available for sale securities 13,050,665 13,050,665 508 13,049,685 472 Fair value option securities — Residential agency mortgage-backed securities 114,982 114,982 — 114,982 — Residential mortgage loans held for sale 252,316 252,316 — 245,299 7,017 Loans: Commercial 13,077,535 13,003,383 — — 13,003,383 Commercial real estate 4,698,538 4,649,763 — — 4,649,763 Paycheck protection program 1,682,310 1,669,461 — — 1,669,461 Loans to individuals 3,549,137 3,563,199 — — 3,563,199 Total loans 23,007,520 22,885,806 — — 22,885,806 Allowance for loan losses (388,640) — — — — Loans, net of allowance 22,618,880 22,885,806 — — 22,885,806 Mortgage servicing rights 101,172 101,172 — — 101,172 Derivative instruments with positive fair value, net of cash collateral 810,688 810,688 10,780 799,908 — Deposits with no stated maturity 34,176,752 34,176,752 — — 34,176,752 Time deposits 1,967,128 1,976,936 — — 1,976,936 Other borrowed funds 3,545,356 3,542,489 — — 3,542,489 Subordinated debentures 276,005 269,544 — 269,544 — Derivative instruments with negative fair value, net of cash collateral 405,779 405,779 — 405,779 — 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.

Subsequent Events

Subsequent Events3 Months Ended
Mar. 31, 2021
Subsequent Events [Abstract]
Subsequent Events [Text Block]Subsequent Events The Company evaluated events from the date of the consolidated financial statements on March 31, 2021 through the issuance of those consolidated financial statements included in this Quarterly Report on Form 10-Q. No events were identified requiring recognition in and/or disclosure in the consolidated financial statements.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)3 Months Ended
Mar. 31, 2021
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., and BOK Financial Private Wealth, Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, BOK Financial in Arizona, Arkansas, Colorado and Kansas/Missouri, 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. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04") On March 12, 2020, the FASB issued ASU 2020-04 which provides optional expedients and exceptions for applying U.S. GAAP to contract modifications and hedging relationships that reference LIBOR or another reference rate expected to be discontinued, subject to meeting certain criteria. Under the new guidance, an entity can elect by accounting topic or industry subtopic to account for the modification of a contract affected by reference rate reform as a continuation of the existing contract, if certain conditions are met. In addition, the new guidance allows an entity to elect on a hedge-by-hedge basis to continue to apply hedge accounting for hedging relationships in which the critical terms change due to reference rate reform, if certain conditions are met. A one-time election to sell and/or transfer held-to-maturity debt securities that reference a rate affected by reference rate reform is also allowed. ASU 2020-04 became effective for all entities as of March 12, 2020 and will apply to all LIBOR reference rate modifications through December 31, 2022. Management is currently evaluating the impact of ASU 2020-04 on the Company's financial statements. FASB Accounting Standards Update No. 2021-01, Reference Rate Reform (Topic 848): Scope ("ASU 2021-01") On January 7, 2021, the FASB issued ASU 2021-01 which clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments in this update are elective and apply to all entities that have derivative instruments that use an interest rate for margining, discounting, or contract price alignment that is modified as a result of reference rate reform. The amendments also optionally apply to all entities that designate receive-variable rate, pay-variable-rate cross-currency interest rate swaps as hedging instruments in net investment hedges that are modified as a result of reference rate reform. ASU 2021-01 is effective immediately for all entities and amendments may be applied on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020. Management is currently evaluating the impact of ASU 2021-01 on the Company's financial statements.
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. 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. Trading BOK Financial may offer derivative instruments such as to-be-announced securities to mortgage banking customers to enable them to manage their market risk or to mitigate the Company's market risk of holding trading securities. Changes in the fair value of derivative instruments for trading purposes or used to mitigate the market risk of holding trading securities are included in Other operating revenue – Brokerage and trading revenue. 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. 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.
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. Accrued but not paid interest receivable is included in Receivables in the Consolidated Balance Sheets. 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. For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status. Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). Primarily 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. Payment deferrals up to six months are generally considered to be short-term modifications. 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 Consolidated 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. Internally risk graded loans are evaluated quarterly 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.
Loans and Allowances for Credit Losses, Allowances for Credit Losses [Policy Text Block]Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans Commitments The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans that we do not expect to collect over the asset’s contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. The appropriateness of the allowance for credit losses, including industry and product adjustments, is assessed quarterly by a senior management Allowance Committee. This review is based on an on-going evaluation of the estimated expected credit losses in the portfolio and on unused commitments to provide financing. A well-documented methodology has been developed and is applied by an independent Credit Administration department to assure consistency across the Company. The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics. When full collection of principal or interest is uncertain, the loan’s risk characteristics have changed, and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss. We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan’s amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan’s amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral’s fair value. Generally, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. For real property held as collateral for other loans, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice generally serve as the basis for the fair value. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed. General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan’s estimated remaining life. The loan’s estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90 percent of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur. Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10 percent of the committed dollars in the portfolio is calculated using charge-off migration. The expected credit loss on approximately 1 percent of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio. In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation, affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions. An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions, which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions. At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan’s estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios. General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions. 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 that are not unconditionally cancelable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank can not unconditionally cancel.
Revenue [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.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities (Policies)3 Months Ended
Mar. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
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. 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. Trading BOK Financial may offer derivative instruments such as to-be-announced securities to mortgage banking customers to enable them to manage their market risk or to mitigate the Company's market risk of holding trading securities. Changes in the fair value of derivative instruments for trading purposes or used to mitigate the market risk of holding trading securities are included in Other operating revenue – Brokerage and trading revenue. 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. 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.

Securities (Tables)

Securities (Tables)3 Months Ended
Mar. 31, 2021
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, 2021 December 31, 2020 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) U.S. government securities $ 33,613 $ (239) $ 9,183 $ — Residential agency mortgage-backed securities 5,003,163 (10,647) 4,669,148 (3,624) Municipal securities 27,047 (49) 19,172 42 Other debt securities 22,126 (30) 10,472 22 Total trading securities $ 5,085,949 $ (10,965) $ 4,707,975 $ (3,560)
Investment Securities (Held-to-Maturity) [Table Text Block]The amortized cost and fair values of investment securities are as follows (in thousands): March 31, 2021 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal securities $ 216,047 $ 241,278 $ 25,395 $ (164) Residential agency mortgage-backed securities 8,477 9,216 739 — Other debt securities 2,214 2,213 — (1) Total investment securities 226,738 252,707 26,134 (165) Allowance for credit losses (617) Investment securities, net of allowance $ 226,121 $ 252,707 $ 26,134 $ (165) December 31, 2020 Amortized Fair Gross Unrealized Cost Value Gain Loss Municipal securities $ 229,245 $ 255,270 $ 26,169 $ (144) Residential agency mortgage-backed securities 8,913 9,790 877 — Other debt securities 7,373 7,371 — (2) Total investment securities 245,531 272,431 27,046 (146) Allowance for credit losses (688) Investment securities, net of allowance $ 244,843 $ 272,431 $ 27,046 $ (146) The amortized cost and fair values of investment securities at March 31, 2021, by contractual maturity, are as shown in the following table (dollars in thousands): Less than One to Six to Over Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 27,143 $ 76,456 $ 106,311 $ 8,351 $ 218,261 4.95 Fair value 27,866 85,490 121,763 8,372 243,491 Residential mortgage-backed securities: Amortized cost $ 8,477 2 Fair value 9,216 Total investment securities: Amortized cost $ 226,738 Fair value 252,707 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 4.4 years based upon current prepayment assumptions. Temporarily Impaired Investment Securities (in thousands): March 31, 2021 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Investment: Municipal securities 6 $ 2,440 $ 51 $ 2,035 $ 113 $ 4,475 $ 164 Other debt securities 1 25 1 — — 25 1 Total investment securities 7 $ 2,465 $ 52 $ 2,035 $ 113 $ 4,500 $ 165 December 31, 2020 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Investment: Municipal securities 6 $ 2,451 $ 40 $ 2,043 $ 104 $ 4,494 $ 144 Other debt securities 2 250 1 25 1 275 2 Total investment securities 8 $ 2,701 $ 41 $ 2,068 $ 105 $ 4,769 $ 146
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, 2021 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 500 $ 506 $ 6 $ — Municipal securities 248,016 245,657 1,422 (3,781) Mortgage-backed securities: Residential agency 9,483,601 9,705,314 266,968 (45,255) Residential non-agency 15,890 31,382 15,492 — Commercial agency 3,371,333 3,426,727 74,722 (19,328) Other debt securities 500 471 — (29) Total available for sale securities $ 13,119,840 $ 13,410,057 $ 358,610 $ (68,393) December 31, 2020 Amortized Fair Gross Unrealized Cost Value Gain Loss U.S. Treasury $ 500 $ 508 $ 8 $ — Municipal securities 165,318 167,979 2,666 (5) Mortgage-backed securities: Residential agency 9,019,013 9,340,471 328,183 (6,725) Residential non-agency 17,563 32,770 15,207 — Commercial agency 3,406,956 3,508,465 103,590 (2,081) Other debt securities 500 472 — (28) Total available for sale securities $ 12,609,850 $ 13,050,665 $ 449,654 $ (8,839) The amortized cost and fair values of available for sale securities at March 31, 2021, by contractual maturity, are as shown in the following table (dollars in thousands): Less than One to Six to Over Total Weighted Average Maturity 1 Fixed maturity debt securities: Amortized cost $ 71,119 $ 1,562,072 $ 1,379,950 $ 607,208 $ 3,620,349 7.76 Fair value 71,223 1,610,227 1,373,270 618,641 3,673,361 Residential mortgage-backed securities: Amortized cost $ 9,499,491 2 Fair value 9,736,696 Total available-for-sale securities: Amortized cost $ 13,119,840 Fair value 13,410,057 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 3.9 years based upon current prepayment assumptions. Sales of available for sale securities resulted in gains and losses as follows (in thousands): Three Months Ended March 31, 2021 2020 Proceeds $ 56,037 $ 26,894 Gross realized gains 473 3 Gross realized losses (6) — Related federal and state income tax expense (benefit) 119 1
Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value [Table Text Block]March 31, 2021 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Available for sale: Municipal securities 81 $ 186,267 $ 3,781 $ — $ — $ 186,267 $ 3,781 Mortgage-backed securities: Residential agency 90 3,005,975 44,828 139,714 427 3,145,689 45,255 Commercial agency 60 711,113 18,623 305,406 705 1,016,519 19,328 Other debt securities 1 — — 471 29 471 29 Total available for sale securities 232 $ 3,903,355 $ 67,232 $ 445,591 $ 1,161 $ 4,348,946 $ 68,393 December 31, 2020 Number of Securities Less Than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized Available for sale: Municipal securities 1 $ 6,166 $ 5 $ — $ — $ 6,166 $ 5 Mortgage-backed securities: Residential agency 38 786,890 6,605 160,747 120 947,637 6,725 Commercial agency 37 350,506 1,587 277,627 494 628,133 2,081 Other debt securities 1 — — 472 28 472 28 Total available for sale securities 77 $ 1,143,562 $ 8,197 $ 438,846 $ 642 $ 1,582,408 $ 8,839
Fair Value Option Securities [Table Text Block]The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands): March 31, 2021 December 31, 2020 Fair Value Net Unrealized Gain (Loss) Fair Value Net Unrealized Gain (Loss) Residential agency mortgage-backed securities $ 72,498 $ 3,233 $ 114,982 $ 4,463

Derivatives (Tables)

Derivatives (Tables)3 Months Ended
Mar. 31, 2021
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, 2021 (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 $ 3,221,571 $ 79,353 $ (9,135) $ 70,218 $ — $ 70,218 Energy contracts 3,930,367 618,401 (152,837) 465,564 — 465,564 Agricultural contracts 32,893 1,629 (1,513) 116 — 116 Foreign exchange contracts 346,897 343,101 — 343,101 (540) 342,561 Equity option contracts 65,678 1,455 — 1,455 (300) 1,155 Total customer risk management programs 7,597,406 1,043,939 (163,485) 880,454 (840) 879,614 Trading 67,796,867 785,765 (380,313) 405,452 (774) 404,678 Internal risk management programs 801,025 17,301 (12,437) 4,864 — 4,864 Total derivative contracts $ 76,195,298 $ 1,847,005 $ (556,235) $ 1,290,770 $ (1,614) $ 1,289,156 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 $ 3,221,571 $ 79,619 $ (9,135) $ 70,484 $ (60,429) $ 10,055 Energy contracts 3,897,430 602,728 (152,837) 449,891 (443,933) 5,958 Agricultural contracts 32,893 1,609 (1,513) 96 — 96 Foreign exchange contracts 347,166 343,134 — 343,134 (24) 343,110 Equity option contracts 65,678 1,455 — 1,455 — 1,455 Total customer risk management programs 7,564,738 1,028,545 (163,485) 865,060 (504,386) 360,674 Trading 66,746,760 834,430 (380,313) 454,117 (99,371) 354,746 Internal risk management programs 1,064,473 21,036 (12,437) 8,599 (4,463) 4,136 Total derivative contracts $ 75,375,971 $ 1,884,011 $ (556,235) $ 1,327,776 $ (608,220) $ 719,556 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, 2020 (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 $ 3,212,469 $ 113,524 $ (144) $ 113,380 $ — $ 113,380 Energy contracts 3,791,565 386,008 (211,468) 174,540 — 174,540 Agricultural contracts 14,765 3,859 — 3,859 — 3,859 Foreign exchange contracts 337,001 332,257 — 332,257 (420) 331,837 Equity option contracts 70,199 1,222 — 1,222 (285) 937 Total customer risk management programs 7,425,999 836,870 (211,612) 625,258 (705) 624,553 Trading 84,997,593 440,627 (240,655) 199,972 (26,958) 173,014 Internal risk management programs 995,123 17,352 (4,231) 13,121 — 13,121 Total derivative contracts $ 93,418,715 $ 1,294,849 $ (456,498) $ 838,351 $ (27,663) $ 810,688 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 $ 3,212,469 $ 113,900 $ (144) $ 113,756 $ (104,202) $ 9,554 Energy contracts 3,617,678 361,334 (211,468) 149,866 (114,070) 35,796 Agricultural contracts 14,781 3,844 — 3,844 (3,844) — Foreign exchange contracts 336,223 331,035 — 331,035 (1,165) 329,870 Equity option contracts 70,199 1,222 — 1,222 — 1,222 Total customer risk management programs 7,251,350 811,335 (211,612) 599,723 (223,281) 376,442 Trading 88,929,916 414,801 (240,655) 174,146 (145,692) 28,454 Internal risk management programs 145,256 5,529 (4,231) 1,298 (415) 883 Total derivative contracts $ 96,326,522 $ 1,231,665 $ (456,498) $ 775,167 $ (369,388) $ 405,779 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, 2021 March 31, 2020 Brokerage Gain (Loss) on Derivatives, Net Brokerage Gain (Loss)on Derivatives, Net Customer risk management programs: Interest rate contracts $ 1,388 $ — $ 942 $ — Energy contracts 1,020 — 2,007 — Agricultural contracts 18 — 15 — Foreign exchange contracts 166 — 258 — Equity option contracts — — — — Total customer risk management programs 2,592 — 3,222 — Trading 1 (71,259) — (40,655) — Internal risk management programs — (27,650) — 18,420 Total derivative contracts $ (68,667) $ (27,650) $ (37,433) $ 18,420 1 Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also include in Brokerage and Trading Revenue in the Consolidated Statements of Earnings.

Loans and Allowances for Cred_2

Loans and Allowances for Credit Losses (Tables)3 Months Ended
Mar. 31, 2021
Loans and Leases Receivable, Net Amount [Abstract]
Schedule of Loans by Portfolio Segment [Table Text Block]Portfolio segments of the loan portfolio are as follows (in thousands): March 31, 2021 December 31, 2020 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,264,973 $ 9,245,738 $ 147,073 $ 12,657,784 $ 3,174,203 $ 9,736,173 $ 167,159 $ 13,077,535 Commercial real estate 1,019,531 3,456,573 27,243 4,503,347 1,047,486 3,623,806 27,246 4,698,538 Paycheck protection program 1,848,550 — — 1,848,550 1,682,310 — — 1,682,310 Loans to individuals 2,146,671 1,335,792 41,703 3,524,166 2,174,874 1,333,975 40,288 3,549,137 Total $ 8,279,725 $ 14,038,103 $ 216,019 $ 22,533,847 $ 8,078,873 $ 14,693,954 $ 234,693 $ 23,007,520
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 is summarized as follows (in thousands): Three Months Ended March 31, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 254,934 $ 86,558 $ — $ 47,148 $ — $ 388,640 Provision for loan losses (9,893) (4,579) — (7,298) — (21,770) Loans charged off (15,345) (263) — (1,297) — (16,905) Recoveries of loans previously charged off 1,676 30 — 731 — 2,437 Ending Balance $ 231,372 $ 81,746 $ — $ 39,284 — $ 352,402 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 14,422 $ 20,571 $ — $ 1,928 $ — $ 36,921 Provision for off-balance sheet credit risk (1,686) (2,273) — (85) — (4,044) Ending Balance $ 12,736 $ 18,298 $ — $ 1,843 $ — $ 32,877 Three Months Ended March 31, 2020 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 118,187 $ 51,805 $ — $ 23,572 $ 17,195 $ 210,759 Transition adjustment 33,681 (4,620) — 13,943 (17,195) 25,809 Beginning balance, adjusted 151,868 47,185 — 37,515 — 236,568 Provision for loan losses 77,723 5,115 — 13,126 — 95,964 Loans charged off (16,615) (886) — (1,416) — (18,917) Recoveries of loans previously charged off 462 47 — 1,187 — 1,696 Ending Balance $ 213,438 $ 51,461 $ — $ 50,412 — $ 315,311 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 1,434 $ 107 $ — $ 44 $ — $ 1,585 Transition adjustment 10,144 11,660 — 1,748 — 23,552 Beginning balance, adjusted 11,578 11,767 — 1,792 — 25,137 Provision for off-balance sheet credit risk 2,462 808 — 107 — 3,377 Ending Balance $ 14,040 $ 12,575 $ — $ 1,899 — $ 28,514 Changes in our reasonable and supportable forecasts of macroeconomic variables, primarily due to the anticipated impact of the on-going COVID-19 pandemic, and other assumptions, resulted in a $31.1 million reduction in the allowance for lending activities during the first quarter of 2021. Changes in the loan portfolio characteristics, including specific impairment and losses, loan balances and risk grading resulted in a $5.2 million increase in the allowance for lending activities. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at March 31, 2021 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,510,711 $ 214,711 $ 147,073 $ 16,661 $ 12,657,784 $ 231,372 Commercial real estate 4,476,104 78,356 27,243 3,390 4,503,347 81,746 Paycheck protection program 1,848,550 — — — 1,848,550 — Loans to individuals 3,482,463 39,284 41,703 — 3,524,166 39,284 Total $ 22,317,828 $ 332,351 $ 216,019 $ 20,051 $ 22,533,847 $ 352,402 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2020 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,910,376 $ 235,882 $ 167,159 $ 19,052 $ 13,077,535 $ 254,934 Commercial real estate 4,671,292 83,169 27,246 3,389 4,698,538 86,558 Paycheck protection program 1,682,310 — — — 1,682,310 — Loans to individuals 3,508,849 47,148 40,288 — 3,549,137 47,148 Total $ 22,772,827 $ 366,199 $ 234,693 $ 22,441 $ 23,007,520 $ 388,640
Schedule of Credit Quality Indicators [Table Text Block]The following table summarizes the Company’s loan portfolio at March 31, 2021 by the risk grade categories and vintage (in thousands): Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 63,102 $ 81,658 $ 51,881 $ 78,812 $ 6,731 $ 8,019 $ 2,388,115 $ — $ 2,678,318 Special Mention 17,000 — — — — — 144,976 — 161,976 Accruing Substandard — 24,051 1,319 1,337 — 11,922 221,765 — 260,394 Nonaccrual — 21,008 2,488 — — 13,340 64,964 — 101,800 Total energy 80,102 126,717 55,688 80,149 6,731 33,281 2,819,820 — 3,202,488 Healthcare Pass 114,646 570,755 617,791 615,371 394,541 780,397 153,973 — 3,247,474 Special Mention — — — — — 504 5 — 509 Accruing Substandard — — 27,500 1,032 — 11,056 — — 39,588 Nonaccrual — — 18 — — 2,660 509 — 3,187 Total healthcare 114,646 570,755 645,309 616,403 394,541 794,617 154,487 — 3,290,758 Services Pass 182,186 542,579 381,122 327,241 300,688 1,005,483 574,095 627 3,314,021 Special Mention — 138 1,446 1,008 7 1,844 1,971 — 6,414 Accruing Substandard — 421 11,238 18,435 5,288 9,471 28,627 — 73,480 Nonaccrual — 4,732 448 766 14,369 7,033 685 — 28,033 Total services 182,186 547,870 394,254 347,450 320,352 1,023,831 605,378 627 3,421,948 General business Pass 118,267 361,002 370,674 274,644 209,218 297,857 1,032,658 2,305 2,666,625 Special Mention — 189 4,850 3,401 7,469 1,781 4,903 — 22,593 Accruing Substandard — 1,392 2,575 12,901 8,738 10,287 3,408 18 39,319 Nonaccrual — 1,675 3,887 5,893 1,430 565 558 45 14,053 Total general business 118,267 364,258 381,986 296,839 226,855 310,490 1,041,527 2,368 2,742,590 Total commercial 495,201 1,609,600 1,477,237 1,340,841 948,479 2,162,219 4,621,212 2,995 12,657,784 Commercial real estate: Pass 73,306 812,635 1,215,895 796,047 430,066 951,180 163,737 37 4,442,903 Special Mention — — — 3,201 14,110 6,900 — — 24,211 Accruing Substandard — — — — 4,454 4,509 27 — 8,990 Nonaccrual — — 8,300 — — 18,943 — — 27,243 Total commercial real estate 73,306 812,635 1,224,195 799,248 448,630 981,532 163,764 37 4,503,347 Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 544,128 1,304,422 — — — — — — 1,848,550 Total paycheck protection program 544,128 1,304,422 — — — — — — 1,848,550 Loans to individuals: Residential mortgage Pass 124,830 534,781 119,866 100,259 103,645 433,347 318,319 23,567 1,758,614 Special Mention — 22 — 1,851 — 3,429 204 74 5,580 Accruing Substandard — — — — — — 400 — 400 Nonaccrual — 626 124 1,913 728 24,658 4,013 822 32,884 Total residential mortgage 124,830 535,429 119,990 104,023 104,373 461,434 322,936 24,463 1,797,478 Residential mortgage guaranteed by U.S. government agencies Pass — 7,101 32,171 35,189 45,744 291,282 — — 411,487 Nonaccrual — — — 873 — 7,691 — — 8,564 Total residential mortgage guaranteed by U.S. government agencies — 7,101 32,171 36,062 45,744 298,973 — — 420,051 Personal: Pass 44,298 215,962 192,533 73,230 97,757 155,714 524,716 1,370 1,305,580 Special Mention — 28 14 21 2 474 12 — 551 Accruing Substandard — — 215 — — 17 19 — 251 Nonaccrual — 2 11 60 73 81 28 — 255 Total personal 44,298 215,992 192,773 73,311 97,832 156,286 524,775 1,370 1,306,637 Total loans to individuals 169,128 758,522 344,934 213,396 247,949 916,693 847,711 25,833 3,524,166 Total loans $ 1,281,763 $ 4,485,179 $ 3,046,366 $ 2,353,485 $ 1,645,058 $ 4,060,444 $ 5,632,687 $ 28,865 $ 22,533,847 The following table summarizes the Company’s loan portfolio at December 31, 2020 by the risk grade categories and vintage (in thousands): Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 112,614 $ 51,863 $ 89,346 $ 7,178 $ 1,148 $ 7,956 $ 2,548,663 $ — $ 2,818,768 Special Mention — — — — — — 202,590 — 202,590 Accruing Substandard 24,000 1,363 1,453 — 12,667 — 283,294 — 322,777 Nonaccrual 21,076 2,607 — — — 21,064 80,312 — 125,059 Total energy 157,690 55,833 90,799 7,178 13,815 29,020 3,114,859 — 3,469,194 Healthcare Pass 536,745 615,221 638,302 422,834 234,399 658,286 147,132 — 3,252,919 Special Mention — 27,500 — — — 8,282 5 — 35,787 Accruing Substandard — — 1,191 929 132 11,387 — — 13,639 Nonaccrual — 18 183 — — 2,935 509 — 3,645 Total healthcare 536,745 642,739 639,676 423,763 234,531 680,890 147,646 — 3,305,990 Services Pass 534,853 436,384 372,867 307,374 373,785 683,936 665,491 682 3,375,372 Special Mention 150 9,057 389 291 2,038 2,000 3,063 — 16,988 Accruing Substandard 429 6,380 26,008 6,027 5,030 7,954 38,797 — 90,625 Nonaccrual 4,833 448 — 12,590 1,049 6,138 540 — 25,598 Total services 540,265 452,269 399,264 326,282 381,902 700,028 707,891 682 3,508,583 General business Pass 419,756 394,985 310,273 236,222 103,987 186,600 1,055,878 2,316 2,710,017 Special Mention 197 4,519 9,713 7,803 2,511 3,159 2,483 19 30,404 Accruing Substandard 1,432 3,069 6,694 10,935 10,042 3,729 4,449 140 40,490 Nonaccrual 1,675 3,728 4,863 1,436 530 107 477 41 12,857 Total general business 423,060 406,301 331,543 256,396 117,070 193,595 1,063,287 2,516 2,793,768 Total commercial 1,657,760 1,557,142 1,461,282 1,013,619 747,318 1,603,533 5,033,683 3,198 13,077,535 Commercial real estate: Pass 725,577 1,211,338 954,226 489,193 314,899 722,475 223,131 38 4,640,877 Special Mention — — 259 12,311 2,725 5,831 — — 21,126 Accruing Substandard — — — 4,410 — 4,852 27 — 9,289 Nonaccrual — 8,300 — 232 7,468 11,246 — — 27,246 Total commercial real estate 725,577 1,219,638 954,485 506,146 325,092 744,404 223,158 38 4,698,538 Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 1,682,310 — — — — — — — 1,682,310 Total paycheck protection program 1,682,310 — — — — — — — 1,682,310 Loans to individuals: Residential mortgage Pass 564,325 149,832 120,875 124,930 158,801 348,292 335,259 24,553 1,826,867 Special Mention 33 11 2,094 — 59 318 950 10 3,475 Accruing Substandard — — 51 — — 34 272 76 433 Nonaccrual 648 104 1,658 784 2,010 22,415 3,835 774 32,228 Total residential mortgage 565,006 149,947 124,678 125,714 160,870 371,059 340,316 25,413 1,863,003 Residential mortgage guaranteed by U.S. government agencies Pass 4,859 33,880 34,464 43,099 58,264 226,380 — — 400,946 Nonaccrual — — 545 — 309 6,887 — — 7,741 Total residential mortgage guaranteed by U.S. government agencies 4,859 33,880 35,009 43,099 58,573 233,267 — — 408,687 Personal: Pass 219,873 200,580 76,246 100,229 64,104 102,126 510,571 1,510 1,275,239 Special Mention 39 55 66 — 469 31 965 — 1,625 Accruing Substandard 11 214 10 — — — 29 — 264 Nonaccrual 28 17 57 73 50 49 45 — 319 Total personal 219,951 200,866 76,379 100,302 64,623 102,206 511,610 1,510 1,277,447 Total loans to individuals 789,816 384,693 236,066 269,115 284,066 706,532 851,926 26,923 3,549,137 Total loans $ 4,855,463 $ 3,161,473 $ 2,651,833 $ 1,788,880 $ 1,356,476 $ 3,054,469 $ 6,108,767 $ 30,159 $ 23,007,520
Financing Receivable, Nonaccrual [Table Text Block]A summary of nonaccruing loans at March 31, 2021 follows (in thousands): As of March 31, 2021 Total With No With Allowance Related Allowance Commercial: Energy $ 101,800 $ 48,042 $ 53,758 $ 13,893 Healthcare 3,187 3,187 — — Services 28,033 24,046 3,987 2,650 General business 14,053 13,935 118 118 Total commercial 147,073 89,210 57,863 16,661 Commercial real estate 27,243 13,642 13,601 3,390 Loans to individuals: Residential mortgage 32,884 32,884 — — Residential mortgage guaranteed by U.S. government agencies 8,564 8,564 — — Personal 255 255 — — Total loans to individuals 41,703 41,703 — — Total $ 216,019 $ 144,555 $ 71,464 $ 20,051 A summary of nonaccruing loans at December 31, 2020 follows (in thousands): As of December 31, 2020 Total With No With Allowance Related Allowance Commercial: Energy $ 125,059 $ 76,633 $ 48,426 $ 16,478 Healthcare 3,645 3,645 — — Services 25,598 20,810 4,788 2,574 General business 12,857 12,857 — — Total commercial 167,159 113,945 53,214 19,052 Commercial real estate 27,246 13,645 13,601 3,389 Loans to individuals: Residential mortgage 32,228 32,228 — — Residential mortgage guaranteed by U.S. government agencies 7,741 7,741 — — Personal 319 319 — — Total loans to individuals 40,288 40,288 — — Total $ 234,693 $ 167,878 $ 66,815 $ 22,441
Summary of Loans by Aging Status [Table Text Block]A summary of loans currently performing and past due as of March 31, 2021 is as follows (in thousands): Past Due Past Due 90 Days or More and Accruing Current 30 to 59 60 to 89 Days 90 Days Total Commercial: Energy $ 3,183,861 $ — $ — $ 18,627 $ 3,202,488 $ — Healthcare 3,287,571 — — 3,187 3,290,758 — Services 3,404,154 1,791 208 15,795 3,421,948 — General business 2,722,467 7,712 1,843 10,568 2,742,590 145 Total commercial 12,598,053 9,503 2,051 48,177 12,657,784 145 Commercial real estate 4,482,750 134 — 20,463 4,503,347 — Paycheck protection program 1,848,550 — — — 1,848,550 — Loans to individuals: Residential mortgage 1,782,825 7,215 415 7,023 1,797,478 250 Residential mortgage guaranteed by U.S. government agencies 274,265 50,175 13,059 82,552 420,051 77,009 Personal 1,306,435 90 40 72 1,306,637 — Total loans to individuals 3,363,525 57,480 13,514 89,647 3,524,166 77,259 Total $ 22,292,878 $ 67,117 $ 15,565 $ 158,287 $ 22,533,847 $ 77,404 A summary of loans currently performing and past due as of December 31, 2020 is as follows (in thousands): Past Due Past Due 90 Days or More and Accruing Current 30 to 59 60 to 89 Days 90 Days Total Commercial: Energy $ 3,410,995 $ 12,735 $ 4,050 $ 41,414 $ 3,469,194 $ — Healthcare 3,302,345 — — 3,645 3,305,990 — Services 3,489,423 3,278 177 15,705 3,508,583 326 General business 2,776,038 1,206 6,277 10,247 2,793,768 4,495 Total commercial 12,978,801 17,219 10,504 71,011 13,077,535 4,821 Commercial real estate 4,672,279 276 5,310 20,673 4,698,538 5,126 Paycheck protection program 1,682,310 — — — 1,682,310 — Loans to individuals: Residential mortgage 1,849,304 5,812 837 7,050 1,863,003 181 Residential mortgage guaranteed by U.S. government agencies 262,102 41,389 22,041 83,155 408,687 78,349 Personal 1,273,702 3,317 90 338 1,277,447 241 Total loans to individuals 3,385,108 50,518 22,968 90,543 3,549,137 78,771 Total $ 22,718,498 $ 68,013 $ 38,782 $ 182,227 $ 23,007,520 $ 88,718

Mortgage Banking Activities (Ta

Mortgage Banking Activities (Tables)3 Months Ended
Mar. 31, 2021
Mortgage Banking [Abstract]
Components of Residential Mortgage Loans Held For Sale [Table Text Block] March 31, 2021 December 31, 2020 Unpaid Principal Balance/ Fair Value Unpaid Principal Balance/ Fair Value Residential mortgage loans held for sale $ 260,005 $ 262,333 $ 227,161 $ 236,444 Residential mortgage loan commitments 387,465 11,455 380,637 20,435 Forward sales contracts 584,743 10,659 549,414 (4,563) $ 284,447 $ 252,316
Mortgage Banking Revenue [Table Text Block]Mortgage banking revenue was as follows (in thousands): Three Months Ended March 31, 2021 2020 Production revenue: Net realized gains on sale of mortgage loans $ 26,000 $ 9,717 Net change in unrealized gain (loss) on mortgage loans held for sale (6,955) 3,561 Net change in the fair value of mortgage loan commitments (8,980) 19,017 Net change in the fair value of forward sales contracts 15,222 (10,725) Total production revenue 25,287 21,570 Servicing revenue 11,826 15,597 Total mortgage banking revenue $ 37,113 $ 37,167
Summary of Mortgage Servicing Rights [Table Text Block]The following represents a summary of mortgage servicing rights (dollars in thousands): March 31, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 101,912 106,201 Outstanding principal balance of residential mortgage loans serviced for others $ 15,458,772 $ 16,228,449 Weighted average interest rate 3.78 % 3.84 % Remaining term (in months) 279 280
Activity in Capitalized Mortgage Servicing Rights [Table Text Block]The following represents activity in capitalized mortgage servicing rights (in thousands): Three Months Ended March 31, 2021 2020 Beginning Balance $ 101,172 $ 201,886 Additions 9,830 5,441 Change in fair value due to principal payments (11,961) (8,019) Change in fair value due to market assumption changes 33,874 (88,480) Ending Balance $ 132,915 $ 110,828
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, 2021 December 31, 2020 Discount rate – risk-free rate plus a market premium 9.13% 9.14% Prepayment rate - based upon loan interest rate, original term and loan type 6.37% - 17.80% 9.41% - 21.87% Loan servicing costs – annually per loan based upon loan type: Performing loans $69 - $94 $69 - $94 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 1.04% 0.43% Primary/secondary mortgage rate spread 105 bps 105 bps Delinquency rate 2.77% 3.54%

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)3 Months Ended
Mar. 31, 2021
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, Dec. 31, 2019 $ 104,996 $ (73) $ 104,923 Net change in unrealized gain (loss) 297,843 — 297,843 Reclassification adjustments included in earnings: Gain on available for sale securities, net (3) — (3) Other comprehensive income, before income taxes 297,840 — 297,840 Federal and state income taxes 71,471 — 71,471 Other comprehensive income, net of income taxes 226,369 — 226,369 Balance, March 31, 2020 $ 331,365 $ (73) $ 331,292 Balance, Dec. 31, 2020 $ 335,032 $ 836 $ 335,868 Net change in unrealized gain (loss) (150,131) — (150,131) Reclassification adjustments included in earnings: Gain on available for sale securities, net (467) — (467) Other comprehensive income, before income taxes (150,598) — (150,598) Federal and state income taxes (36,139) — (36,139) Other comprehensive income (loss), net of income taxes (114,459) — (114,459) Balance, March 31, 2021 $ 220,573 $ 836 $ 221,409

Earnings Per Share (Tables)

Earnings Per Share (Tables)3 Months Ended
Mar. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share [Table Text Block](In thousands, except share and per share amounts) Three Months Ended March 31, 2021 2020 Numerator: Net income attributable to BOK Financial Corp. shareholders $ 146,060 $ 62,079 Less: Earnings allocated to participating securities 937 343 Numerator for basic earnings per share – income available to common shareholders 145,123 61,736 Effect of reallocating undistributed earnings of participating securities — — Numerator for diluted earnings per share – income available to common shareholders $ 145,123 $ 61,736 Denominator: Weighted average shares outstanding 69,583,788 70,513,807 Less: Participating securities included in weighted average shares outstanding 446,413 390,122 Denominator for basic earnings per common share 69,137,375 70,123,685 Dilutive effect of employee stock compensation plans 4,335 6,481 Denominator for diluted earnings per common share 69,141,710 70,130,166 Basic earnings per share $ 2.10 $ 0.88 Diluted earnings per share $ 2.10 $ 0.88

Reportable Segments (Tables)

Reportable Segments (Tables)3 Months Ended
Mar. 31, 2021
Segment Reporting [Abstract]
Reportable Segments [Table Text Block]Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2021 is as follows (in thousands): Commercial Consumer Wealth Funds Management and Other BOK Net interest revenue from external sources $ 155,799 $ 16,686 $ 48,554 $ 59,381 $ 280,420 Net interest revenue (expense) from internal sources (25,794) 4,288 (200) 21,706 — Net interest revenue 130,005 20,974 48,354 81,087 280,420 Provision for credit losses 13,985 1,136 (29) (40,092) (25,000) Net interest revenue after provision for credit losses 116,020 19,838 48,383 121,179 305,420 Other operating revenue 46,579 52,282 66,123 (1,087) 163,897 Other operating expense 66,979 55,743 78,565 81,340 282,627 Net direct contribution 95,620 16,377 35,941 38,752 186,690 Gain (loss) on financial instruments, net 33 (29,616) — 29,583 — Change in fair value of mortgage servicing rights — 33,874 — (33,874) — Gain (loss) on repossessed assets, net 12,737 41 — (12,778) — Corporate expense allocations 12,734 11,487 9,887 (34,108) — Net income before taxes 95,656 9,189 26,054 55,791 186,690 Federal and state income taxes 25,983 2,340 6,672 7,387 42,382 Net income 69,673 6,849 19,382 48,404 144,308 Net income (loss) attributable to non-controlling interests — — — (1,752) (1,752) Net income attributable to BOK Financial Corp. shareholders $ 69,673 $ 6,849 $ 19,382 $ 50,156 $ 146,060 Average assets $ 28,047,052 $ 9,755,539 $ 18,645,865 $ (6,137,823) $ 50,310,633 Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended March 31, 2020 is as follows (in thousands): Commercial Consumer Wealth Funds Management and Other BOK Net interest revenue from external sources $ 201,902 $ 25,876 $ 14,366 $ 19,216 $ 261,360 Net interest revenue (expense) from internal sources (50,495) 18,056 4,538 27,901 — Net interest revenue 151,407 43,932 18,904 47,117 261,360 Provision for credit losses 16,880 1,256 (48) 75,683 93,771 Net interest revenue after provision for credit losses 134,527 42,676 18,952 (28,566) 167,589 Other operating revenue 38,220 55,062 97,881 (10,844) 180,319 Other operating expense 60,752 53,844 78,192 75,836 268,624 Net direct contribution 111,995 43,894 38,641 (115,246) 79,284 Gain (loss) on financial instruments, net 49 86,764 7 (86,820) — Change in fair value of mortgage servicing rights — (88,480) — 88,480 — Gain (loss) on repossessed assets, net 9 13 — (22) — Corporate expense allocations 8,905 10,389 8,265 (27,559) — Net income before taxes 103,148 31,802 30,383 (86,049) 79,284 Federal and state income taxes 28,173 8,101 7,810 (26,784) 17,300 Net income 74,975 23,701 22,573 (59,265) 61,984 Net income (loss) attributable to non-controlling interests — — — (95) (95) Net income attributable to BOK Financial Corp. shareholders $ 74,975 $ 23,701 $ 22,573 $ (59,170) $ 62,079 Average assets $ 24,687,976 $ 9,850,853 $ 12,723,412 $ (1,541,623) $ 45,720,618

Fees and Commissions Revenue _2

Fees and Commissions Revenue Fees and Commissions Rvenue (Tables)3 Months Ended
Mar. 31, 2021
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, 2021. Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 3,716 $ — $ 3,716 $ 3,716 $ — Customer hedging revenue 4,207 — 91 (1,706) 2,592 2,592 — Retail brokerage revenue — — 4,741 — 4,741 — 4,741 Insurance brokerage revenue — — 2,916 — 2,916 — 2,916 Investment banking revenue 2,258 — 4,768 (209) 6,817 2,049 4,768 Brokerage and trading revenue 6,465 — 16,232 (1,915) 20,782 8,357 12,425 TransFund EFT network revenue 18,443 834 (13) 2 19,266 — 19,266 Merchant services revenue 2,266 16 — (1) 2,281 — 2,281 Corporate card revenue 804 — 28 51 883 — 883 Transaction card revenue 21,513 850 15 52 22,430 — 22,430 Personal trust revenue — — 21,977 — 21,977 — 21,977 Corporate trust revenue — — 3,789 — 3,789 — 3,789 Institutional trust & retirement plan services revenue — — 12,610 — 12,610 — 12,610 Investment management services and other revenue — — 2,903 43 2,946 — 2,946 Fiduciary and asset management revenue — — 41,279 43 41,322 — 41,322 Commercial account service charge revenue 11,988 434 581 1 13,004 — 13,004 Overdraft fee revenue 26 4,635 19 — 4,680 — 4,680 Check card revenue — 5,327 — — 5,327 — 5,327 Automated service charge and other deposit fee revenue 26 1,150 23 (1) 1,198 — 1,198 Deposit service charges and fees 12,040 11,546 623 — 24,209 — 24,209 Mortgage production revenue — 25,287 — — 25,287 25,287 — Mortgage servicing revenue — 12,277 — (451) 11,826 11,826 — Mortgage banking revenue — 37,564 — (451) 37,113 37,113 — Other revenue 9,829 2,340 7,535 (3,408) 16,296 13,143 3,153 Total fees and commissions revenue $ 49,847 $ 52,300 $ 65,684 $ (5,679) $ 162,152 $ 58,613 $ 103,539 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. Fees and commissions revenue by reportable segment and primary service line is as follows for the three months ended March 31, 2020. Commercial Consumer Wealth Management Funds Management & Other Consolidated Out of Scope 1 In Scope 2 Trading revenue $ — $ — $ 34,384 $ — $ 34,384 $ 34,384 $ — Customer hedging revenue 2,525 — 135 563 3,223 3,223 — Retail brokerage revenue — — 4,343 — 4,343 — 4,343 Insurance brokerage revenue — — 3,789 — 3,789 — 3,789 Investment banking revenue 1,880 — 3,160 — 5,040 1,828 3,212 Brokerage and trading revenue 4,405 — 45,811 563 50,779 39,435 11,344 TransFund EFT network revenue 18,212 831 (19) 2 19,026 — 19,026 Merchant services revenue 2,305 14 — — 2,319 — 2,319 Corporate card revenue 520 — 16 — 536 — 536 Transaction card revenue 21,037 845 (3) 2 21,881 — 21,881 Personal trust revenue — — 20,649 — 20,649 — 20,649 Corporate trust revenue — — 6,362 — 6,362 — 6,362 Institutional trust & retirement plan services revenue — — 11,896 — 11,896 — 11,896 Investment management services and other revenue — — 5,592 (41) 5,551 — 5,551 Fiduciary and asset management revenue — — 44,499 (41) 44,458 — 44,458 Commercial account service charge revenue 11,039 410 545 (1) 11,993 — 11,993 Overdraft fee revenue 49 7,205 22 2 7,278 — 7,278 Check card revenue — 5,229 — — 5,229 — 5,229 Automated service charge and other deposit fee revenue 229 1,386 13 2 1,630 — 1,630 Deposit service charges and fees 11,317 14,230 580 3 26,130 — 26,130 Mortgage production revenue — 21,569 — — 21,569 21,569 — Mortgage servicing revenue — 16,042 — (444) 15,598 15,598 — Mortgage banking revenue — 37,611 — (444) 37,167 37,167 — Other revenue 4,700 2,376 6,994 (1,761) 12,309 8,408 3,901 Total fees and commissions revenue $ 41,459 $ 55,062 $ 97,881 $ (1,678) $ 192,724 $ 85,010 $ 107,714 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, 2021
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, 2021 (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 securities $ 33,613 $ 2,070 $ 31,543 $ — Residential agency mortgage-backed securities 5,003,163 — 5,003,163 — Municipal securities 27,047 — 27,047 — Other trading securities 22,126 — 22,126 — Total trading securities 5,085,949 2,070 5,083,879 — Available for sale securities: U.S. Treasury 506 506 — — Municipal securities 245,657 — 245,657 — Residential agency mortgage-backed securities 9,705,314 — 9,705,314 — Residential non-agency mortgage-backed securities 31,382 — 31,382 — Commercial agency mortgage-backed securities 3,426,727 — 3,426,727 — Other debt securities 471 — — 471 Total available for sale securities 13,410,057 506 13,409,080 471 Fair value option securities – Residential agency mortgage-backed securities 72,498 — 72,498 — Residential mortgage loans held for sale 1 284,447 — 279,151 5,296 Mortgage servicing rights 2 132,915 — — 132,915 Derivative contracts, net of cash collateral 3 1,289,156 2,772 1,286,384 — Liabilities: Derivative contracts, net of cash collateral 3 719,556 2,721 716,835 — 1 Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 94.55% of the unpaid principal balance. 2 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 5, Mortgage Banking Activities. 3 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 contracts. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate and energy derivative contracts, net of cash margin. The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2020 (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 securities $ 9,183 $ 4,999 $ 4,184 $ — Residential agency mortgage-backed securities 4,669,148 — 4,669,148 — Municipal securities 19,172 — 19,172 — Other trading securities 10,472 — 10,472 — Total trading securities 4,707,975 4,999 4,702,976 — Available for sale securities: U.S. Treasury 508 508 — — Municipal securities 167,979 — 167,979 — Residential agency mortgage-backed securities 9,340,471 — 9,340,471 — Residential non-agency mortgage-backed securities 32,770 — 32,770 — Commercial agency mortgage-backed securities 3,508,465 — 3,508,465 — Other debt securities 472 — — 472 Total available for sale securities 13,050,665 508 13,049,685 472 Fair value option securities — Residential agency mortgage-backed securities 114,982 — 114,982 — Residential mortgage loans held for sale 1 252,316 — 245,299 7,017 Mortgage servicing rights 2 101,172 — — 101,172 Derivative contracts, net of cash collateral 3 810,688 10,780 799,908 — Liabilities: Derivative contracts, net of cash collateral 3 405,779 — 405,779 — 1 Residential mortgage loans held for sale measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards and are valued at 94.57% of the unpaid principal balance. 2 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 5, Mortgage Banking Activities. 3 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 contracts. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural contracts, fully offset by cash margin.
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, 2021 for which the fair value was adjusted during the three months ended March 31, 2021: Fair Value Adjustments for the Carrying Value at March 31, 2021 Three Months Ended Quoted Prices Significant Significant Gross charge-offs against allowance for loan losses Net losses (gains) and operating expenses of repossessed assets Nonaccruing loans $ — $ 259 $ 34,046 $ 15,049 $ — Real estate and other repossessed assets — 1,706 300 — 2,200 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, 2020 for which the fair value was adjusted during the three months ended March 31, 2020: Fair Value Adjustments for the Carrying Value at March 31, 2020 Three Months Ended Quoted Prices Significant Significant Gross charge-offs against allowance for loan losses Net losses (gains) and operating expenses of repossessed assets Nonaccruing loans $ — $ 293 $ 22,746 $ 15,789 $ — Real estate and other repossessed assets — 1,066 400 — 226
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, 2021 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range Nonaccruing loans $ 34,046 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 10% - 91% (47%) 1 Real estate and other repossessed assets 300 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 N/A 1 Represents fair value as a percentage of the unpaid principal balance. A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of March 31, 2020 follows (in thousands): Fair Value Valuation Technique(s) Unobservable Input Range Nonaccruing loans $ 22,746 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 6% - 71% (36%) 1 Real estate and other repossessed assets 400 Appraised value, as adjusted Marketability adjustments off appraised value 2 87% - 87% (87%) 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.
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, 2021 (dollars in thousands): Carrying Estimated Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Cash and due from banks $ 723,983 $ 723,983 $ 723,983 $ — $ — Interest-bearing cash and cash equivalents 695,213 695,213 695,213 — — Trading securities: U.S. government securities 33,613 33,613 2,070 31,543 — Residential agency mortgage-backed securities 5,003,163 5,003,163 — 5,003,163 — Municipal securities 27,047 27,047 — 27,047 — Other trading securities 22,126 22,126 — 22,126 — Total trading securities 5,085,949 5,085,949 2,070 5,083,879 — Investment securities: Municipal securities 216,047 241,278 — 67,510 173,768 Residential agency mortgage-backed securities 8,477 9,216 — 9,216 — Other debt securities 2,214 2,213 — 2,213 — Total investment securities 226,738 252,707 — 78,939 173,768 Allowance for credit losses (617) — — — — Investment securities, net of allowance 226,121 252,707 — 78,939 173,768 Available for sale securities: U.S. Treasury 506 506 506 — — Municipal securities 245,657 245,657 — 245,657 — Residential agency mortgage-backed securities 9,705,314 9,705,314 — 9,705,314 — Residential non-agency mortgage-backed securities 31,382 31,382 — 31,382 — Commercial agency mortgage-backed securities 3,426,727 3,426,727 — 3,426,727 — Other debt securities 471 471 — — 471 Total available for sale securities 13,410,057 13,410,057 506 13,409,080 471 Fair value option securities – Residential agency mortgage-backed securities 72,498 72,498 — 72,498 — Residential mortgage loans held for sale 284,447 284,447 — 279,151 5,296 Loans: Commercial 12,657,784 12,546,069 — — 12,546,069 Commercial real estate 4,503,347 4,435,740 — — 4,435,740 Paycheck protection program 1,848,550 1,820,749 — — 1,820,749 Loans to individuals 3,524,166 3,528,950 — — 3,528,950 Total loans 22,533,847 22,331,508 — — 22,331,508 Allowance for loan losses (352,402) — — — — Loans, net of allowance 22,181,445 22,331,508 — — 22,331,508 Mortgage servicing rights 132,915 132,915 — — 132,915 Derivative instruments with positive fair value, net of cash collateral 1,289,156 1,289,156 2,772 1,286,384 — Deposits with no stated maturity 35,848,270 35,848,270 — — 35,848,270 Time deposits 2,004,356 2,008,294 — — 2,008,294 Other borrowed funds 2,503,678 2,500,771 — — 2,500,771 Subordinated debentures 276,024 288,109 — 288,109 — Derivative instruments with negative fair value, net of cash collateral 719,556 719,556 2,721 716,835 — 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, 2020 (dollars in thousands): Carrying Estimated Quoted Prices in Active Markets for Identical Instruments (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Cash and due from banks $ 798,757 $ 798,757 $ 798,757 $ — $ — Interest-bearing cash and cash equivalents 381,816 381,816 381,816 — — Trading securities: U.S. government securities 9,183 9,183 4,999 4,184 — Residential agency mortgage-backed securities 4,669,148 4,669,148 — 4,669,148 — Municipal securities 19,172 19,172 — 19,172 — Other trading securities 10,472 10,472 — 10,472 — Total trading securities 4,707,975 4,707,975 4,999 4,702,976 — Investment securities: Municipal securities 229,245 255,270 — 69,404 185,866 Residential agency mortgage-backed securities 8,913 9,790 — 9,790 — Other debt securities 7,373 7,371 — 7,371 — Total investment securities 245,531 272,431 — 86,565 185,866 Allowance for credit losses (688) 0 — 0 0 Investment securities, net of allowance 244,843 272,431 — 86,565 185,866 Available for sale securities: U.S. Treasury 508 508 508 — — Municipal securities 167,979 167,979 — 167,979 — Residential agency mortgage-backed securities 9,340,471 9,340,471 — 9,340,471 — Residential non-agency mortgage-backed securities 32,770 32,770 — 32,770 — Commercial agency mortgage-backed securities 3,508,465 3,508,465 — 3,508,465 — Other debt securities 472 472 — — 472 Total available for sale securities 13,050,665 13,050,665 508 13,049,685 472 Fair value option securities — Residential agency mortgage-backed securities 114,982 114,982 — 114,982 — Residential mortgage loans held for sale 252,316 252,316 — 245,299 7,017 Loans: Commercial 13,077,535 13,003,383 — — 13,003,383 Commercial real estate 4,698,538 4,649,763 — — 4,649,763 Paycheck protection program 1,682,310 1,669,461 — — 1,669,461 Loans to individuals 3,549,137 3,563,199 — — 3,563,199 Total loans 23,007,520 22,885,806 — — 22,885,806 Allowance for loan losses (388,640) — — — — Loans, net of allowance 22,618,880 22,885,806 — — 22,885,806 Mortgage servicing rights 101,172 101,172 — — 101,172 Derivative instruments with positive fair value, net of cash collateral 810,688 810,688 10,780 799,908 — Deposits with no stated maturity 34,176,752 34,176,752 — — 34,176,752 Time deposits 1,967,128 1,976,936 — — 1,976,936 Other borrowed funds 3,545,356 3,542,489 — — 3,542,489 Subordinated debentures 276,005 269,544 — 269,544 — Derivative instruments with negative fair value, net of cash collateral 405,779 405,779 — 405,779 —

Significant Accounting Polici_3

Significant Accounting Policies Loans and Allowance for Credit Losses (Details)3 Months Ended
Mar. 31, 2021
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

Trading Securities (Details)

Trading Securities (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Schedule of Trading Securities [Line Items]
Trading securities $ 5,085,949 $ 4,707,975
Trading Securities, Net Unrealized Gain (Loss)(10,965)(3,560)
U.S. government securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities33,613 9,183
Trading Securities, Net Unrealized Gain (Loss)(239)0
Residential agency mortgage-backed securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities5,003,163 4,669,148
Trading Securities, Net Unrealized Gain (Loss)(10,647)(3,624)
Municipal securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities27,047 19,172
Trading Securities, Net Unrealized Gain (Loss)(49)42
Other debt securities [Member]
Schedule of Trading Securities [Line Items]
Trading securities22,126 10,472
Trading Securities, Net Unrealized Gain (Loss) $ (30) $ 22

Investment (Held-to-Maturity) S

Investment (Held-to-Maturity) Securities (Details) $ in Thousands3 Months Ended
Mar. 31, 2021USD ($)Dec. 31, 2020USD ($)
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investment Securities, Gross Amortized Cost $ 226,738 $ 245,531
Investment securities, Allowance for Credit Loss(617)(688)
Investments securities, Amortized Cost, Net of Allowance226,121 244,843
Investment Securities, Fair Value252,707 272,431
Investment Securities, Gross Unrealized Gain26,134 27,046
Investment Securities, Gross Unrealized Loss $ (165) $ (146)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions7 8
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 2,465 $ 2,701
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value2,035 2,068
Investment Securities, Continuous Unrealized Loss Position, Fair Value4,500 4,769
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss52 41
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss113 105
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss165 146
Fixed Maturity Securities [Member]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value27,143
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value76,456
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value106,311
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value8,351
Investment Securities, Debt Maturities, Single Maturity Date, Net Carrying Value218,261
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, Less Than One Year, Fair Value27,866
Investment Securities, Debt Maturities, One to Five Years, Fair Value85,490
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value121,763
Investment Securities, Debt Maturities, Over Ten Years, Fair Value8,372
Investment Securities, Debt Maturities, Single Maturity Date, Fair Value $ 243,491
Investment Securities, Debt Maturities, Weighted Average Maturity[1]4.95
Municipal securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investment Securities, Gross Amortized Cost $ 216,047 229,245
Investment Securities, Fair Value241,278 255,270
Investment Securities, Gross Unrealized Gain25,395 26,169
Investment Securities, Gross Unrealized Loss $ (164) $ (144)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions6 6
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 2,440 $ 2,451
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value2,035 2,043
Investment Securities, Continuous Unrealized Loss Position, Fair Value4,475 4,494
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss51 40
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss113 104
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss164 144
Other debt securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investment Securities, Gross Amortized Cost2,214 7,373
Investment Securities, Fair Value2,213 7,371
Investment Securities, Gross Unrealized Gain0 0
Investment Securities, Gross Unrealized Loss $ (1) $ (2)
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions1 2
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 25 $ 250
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value0 25
Investment Securities, Continuous Unrealized Loss Position, Fair Value25 275
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss1 1
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss0 1
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss1 2
Residential agency mortgage-backed securities [Member]
Schedule of Investment (Held-to-Maturity) Securities [Line Items]
Investment Securities, Gross Amortized Cost8,477 8,913
Investment Securities, Fair Value9,216 9,790
Investment Securities, Gross Unrealized Gain739 877
Investment Securities, Gross Unrealized Loss0 $ 0
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]
Investment Securities, Debt Maturities, without Single Maturity Date, Net Carrying Value[2]8,477
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]
Investment Securities, Debt Maturities, without Single Maturity Date, Fair Value $ 9,216
Investment Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities4.4 years
[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 4.4 years based upon current prepayment assumptions.

Available for Sale Securities (

Available for Sale Securities (Details) $ in Thousands3 Months Ended
Mar. 31, 2021USD ($)Mar. 31, 2020USD ($)Dec. 31, 2020USD ($)
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 13,119,840 $ 12,609,850
Available-for-sale Securities, Fair Value13,410,057 13,050,665
Available-for-sale Securities, Gross Unrealized Gain358,610 449,654
Available-for-sale Securities, Gross Unrealized Loss(68,393)(8,839)
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Available-for-sale Securities, Proceeds56,037 $ 26,894
Available-for-sale Securities, Gross realized gains473 3
Available-for-sale Securities, Gross realized losses(6)0
Available-for-sale Securities, Related federal and state income tax expense (benefit)119 $ 1
Pledged Assets Separately Reported, Securities Pledged as Collateral, at Fair Value $ 11,200,000 $ 11,600,000
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions232 77
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,903,355 $ 1,143,562
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss67,232 8,197
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value445,591 438,846
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss1,161 642
Debt Securities, Available-for-sale, Unrealized Loss Position4,348,946 1,582,408
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss68,393 8,839
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 Basis71,119
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis1,562,072
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis1,379,950
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis607,208
Available-for-sale Securities, Debt Maturities, Allocated and Single Maturity Date, Amortized Cost3,620,349
Debt Securities, Available-for-sale, Maturity, Fair Value, Rolling Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value71,223
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value1,610,227
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value1,373,270
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value618,641
Available-for-sale Securities, Debt Maturities, Allocated and Single Maturity Date, Fair Value $ 3,673,361
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity[1]7.76
U.S. Treasury [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 500 500
Available-for-sale Securities, Fair Value506 508
Available-for-sale Securities, Gross Unrealized Gain6 8
Available-for-sale Securities, Gross Unrealized Loss0 0
Municipal securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost248,016 165,318
Available-for-sale Securities, Fair Value245,657 167,979
Available-for-sale Securities, Gross Unrealized Gain1,422 2,666
Available-for-sale Securities, Gross Unrealized Loss $ (3,781) $ (5)
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions81 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 186,267 $ 6,166
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss3,781 5
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss0 0
Debt Securities, Available-for-sale, Unrealized Loss Position186,267 6,166
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss3,781 5
Commercial agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost3,371,333 3,406,956
Available-for-sale Securities, Fair Value3,426,727 3,508,465
Available-for-sale Securities, Gross Unrealized Gain74,722 103,590
Available-for-sale Securities, Gross Unrealized Loss $ (19,328) $ (2,081)
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions60 37
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 711,113 $ 350,506
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss18,623 1,587
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value305,406 277,627
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss705 494
Debt Securities, Available-for-sale, Unrealized Loss Position1,016,519 628,133
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss19,328 2,081
Other debt securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost500 500
Available-for-sale Securities, Fair Value471 472
Available-for-sale Securities, Gross Unrealized Gain0 0
Available-for-sale Securities, Gross Unrealized Loss $ (29) $ (28)
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions1 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value471 472
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss29 28
Debt Securities, Available-for-sale, Unrealized Loss Position471 472
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss29 28
Residential Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Maturity, Amortized Cost, Rolling Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost[2]9,499,491
Debt Securities, Available-for-sale, Maturity, Fair Value, Rolling Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value $ 9,736,696
Available-for-sale Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities3.9 years
Residential agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost $ 9,483,601 9,019,013
Available-for-sale Securities, Fair Value9,705,314 9,340,471
Available-for-sale Securities, Gross Unrealized Gain266,968 328,183
Available-for-sale Securities, Gross Unrealized Loss $ (45,255) $ (6,725)
Debt Securities, Available-for-sale, Realized Gain (Loss) [Abstract]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions90 38
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,005,975 $ 786,890
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss44,828 6,605
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value139,714 160,747
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss427 120
Debt Securities, Available-for-sale, Unrealized Loss Position3,145,689 947,637
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss45,255 6,725
Residential non-agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale [Line Items]
Available-for-sale Securities, Amortized Cost15,890 17,563
Available-for-sale Securities, Fair Value31,382 32,770
Available-for-sale Securities, Gross Unrealized Gain15,492 15,207
Available-for-sale Securities, Gross Unrealized Loss $ 0 $ 0
[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 3.9 years based upon current prepayment assumptions.

Securities Debt Securities, Ava

Securities Debt Securities, Available-for-sale, Unrealized Loss Position, Fair Value (Details) $ in ThousandsMar. 31, 2021USD ($)Dec. 31, 2020USD ($)
Debt Securities, Available-for-sale, Unrealized Loss Position [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions232 77
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,903,355 $ 1,143,562
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value445,591 438,846
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value4,348,946 1,582,408
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss67,232 8,197
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss1,161 642
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 68,393 $ 8,839
Municipal securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions81 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 186,267 $ 6,166
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value186,267 6,166
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss3,781 5
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 3,781 $ 5
Residential agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions90 38
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,005,975 $ 786,890
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value139,714 160,747
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value3,145,689 947,637
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss44,828 6,605
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss427 120
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 45,255 $ 6,725
Commercial agency mortgage-backed securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions60 37
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 711,113 $ 350,506
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value305,406 277,627
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value1,016,519 628,133
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss18,623 1,587
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss705 494
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 19,328 $ 2,081
Other debt securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions1 1
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 Value471 472
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value471 472
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 Loss29 28
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 29 $ 28

Securities Fair Value Option Se

Securities Fair Value Option Securities (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Fair Value Option Securities [Line Items]
Fair value option securities, Fair Value $ 72,498 $ 114,982
Residential agency mortgage-backed securities [Member]
Fair Value Option Securities [Line Items]
Fair value option securities, Fair Value72,498 114,982
Fair value option securities, Net Unrealized Gain (Loss) $ 3,233 $ 4,463

Derivatives, Fair Value of Deri

Derivatives, Fair Value of Derivatives Contracts (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Derivative Assets, Fair Value, Net [Abstract]
Derviative contracts, net of cash collateral, Assets, Fair value $ 1,289,156 $ 810,688
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Fair Value, Net of Cash Collateral719,556 405,779
Not Designated as Hedging Instrument [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional76,195,298 [1]93,418,715 [2]
Derivative Liabilities, Notional75,375,971 [1]96,326,522 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value1,847,005 1,294,849
Derivative Assets, Netting Adjustments(556,235)(456,498)
Derivative Assets, Net Fair Value Before Cash Collateral1,290,770 838,351
Derivative Assets, Cash Collateral(1,614)(27,663)
Derviative contracts, net of cash collateral, Assets, Fair value1,289,156 810,688
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value1,884,011 1,231,665
Derivative Liabilities, Netting Adjustments(556,235)(456,498)
Derivative Liabilities, Net Fair Value Before Cash Collateral1,327,776 775,167
Derivative Liabilities, Cash Collateral(608,220)(369,388)
Derivative Liabilities, Fair Value, Net of Cash Collateral719,556 405,779
Not Designated as Hedging Instrument [Member] | Total customer risk management programs
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional7,597,406 [1]7,425,999 [2]
Derivative Liabilities, Notional7,564,738 [1]7,251,350 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value1,043,939 836,870
Derivative Assets, Netting Adjustments(163,485)(211,612)
Derivative Assets, Net Fair Value Before Cash Collateral880,454 625,258
Derivative Assets, Cash Collateral(840)(705)
Derviative contracts, net of cash collateral, Assets, Fair value879,614 624,553
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value1,028,545 811,335
Derivative Liabilities, Netting Adjustments(163,485)(211,612)
Derivative Liabilities, Net Fair Value Before Cash Collateral865,060 599,723
Derivative Liabilities, Cash Collateral(504,386)(223,281)
Derivative Liabilities, Fair Value, Net of Cash Collateral360,674 376,442
Not Designated as Hedging Instrument [Member] | Interest rate contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional3,221,571 [1]3,212,469 [2]
Derivative Liabilities, Notional3,221,571 [1]3,212,469 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value79,353 113,524
Derivative Assets, Netting Adjustments(9,135)(144)
Derivative Assets, Net Fair Value Before Cash Collateral70,218 113,380
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value70,218 113,380
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value79,619 113,900
Derivative Liabilities, Netting Adjustments(9,135)(144)
Derivative Liabilities, Net Fair Value Before Cash Collateral70,484 113,756
Derivative Liabilities, Cash Collateral(60,429)(104,202)
Derivative Liabilities, Fair Value, Net of Cash Collateral10,055 9,554
Not Designated as Hedging Instrument [Member] | Energy contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional3,930,367 [1]3,791,565 [2]
Derivative Liabilities, Notional3,897,430 [1]3,617,678 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value618,401 386,008
Derivative Assets, Netting Adjustments(152,837)(211,468)
Derivative Assets, Net Fair Value Before Cash Collateral465,564 174,540
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value465,564 174,540
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value602,728 361,334
Derivative Liabilities, Netting Adjustments(152,837)(211,468)
Derivative Liabilities, Net Fair Value Before Cash Collateral449,891 149,866
Derivative Liabilities, Cash Collateral(443,933)(114,070)
Derivative Liabilities, Fair Value, Net of Cash Collateral5,958 35,796
Not Designated as Hedging Instrument [Member] | Agricultural contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional32,893 [1]14,765 [2]
Derivative Liabilities, Notional32,893 [1]14,781 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value1,629 3,859
Derivative Assets, Netting Adjustments(1,513)0
Derivative Assets, Net Fair Value Before Cash Collateral116 3,859
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value116 3,859
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value1,609 3,844
Derivative Liabilities, Netting Adjustments(1,513)0
Derivative Liabilities, Net Fair Value Before Cash Collateral96 3,844
Derivative Liabilities, Cash Collateral0 (3,844)
Derivative Liabilities, Fair Value, Net of Cash Collateral96 0
Not Designated as Hedging Instrument [Member] | Foreign exchange contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional346,897 [1]337,001 [2]
Derivative Liabilities, Notional347,166 [1]336,223 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value343,101 332,257
Derivative Assets, Netting Adjustments0 0
Derivative Assets, Net Fair Value Before Cash Collateral343,101 332,257
Derivative Assets, Cash Collateral(540)(420)
Derviative contracts, net of cash collateral, Assets, Fair value342,561 331,837
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value343,134 331,035
Derivative Liabilities, Netting Adjustments0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral343,134 331,035
Derivative Liabilities, Cash Collateral(24)(1,165)
Derivative Liabilities, Fair Value, Net of Cash Collateral343,110 329,870
Not Designated as Hedging Instrument [Member] | Equity option contracts [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional65,678 [1]70,199 [2]
Derivative Liabilities, Notional65,678 [1]70,199 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value1,455 1,222
Derivative Assets, Netting Adjustments0 0
Derivative Assets, Net Fair Value Before Cash Collateral1,455 1,222
Derivative Assets, Cash Collateral(300)(285)
Derviative contracts, net of cash collateral, Assets, Fair value1,155 937
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value1,455 1,222
Derivative Liabilities, Netting Adjustments0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral1,455 1,222
Derivative Liabilities, Cash Collateral0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral1,455 1,222
Not Designated as Hedging Instrument [Member] | Trading [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional67,796,867 [1]84,997,593 [2]
Derivative Liabilities, Notional66,746,760 [1]88,929,916 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value785,765 440,627
Derivative Assets, Netting Adjustments(380,313)(240,655)
Derivative Assets, Net Fair Value Before Cash Collateral405,452 199,972
Derivative Assets, Cash Collateral(774)(26,958)
Derviative contracts, net of cash collateral, Assets, Fair value404,678 173,014
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value834,430 414,801
Derivative Liabilities, Netting Adjustments(380,313)(240,655)
Derivative Liabilities, Net Fair Value Before Cash Collateral454,117 174,146
Derivative Liabilities, Cash Collateral(99,371)(145,692)
Derivative Liabilities, Fair Value, Net of Cash Collateral354,746 28,454
Not Designated as Hedging Instrument [Member] | Internal risk management programs [Member]
Notional Amount of Derivatives [Abstract]
Derivative Assets, Notional801,025 [1]995,123 [2]
Derivative Liabilities, Notional1,064,473 [1]145,256 [2]
Derivative Assets, Fair Value, Net [Abstract]
Derivative Assets, Gross Fair Value17,301 17,352
Derivative Assets, Netting Adjustments(12,437)(4,231)
Derivative Assets, Net Fair Value Before Cash Collateral4,864 13,121
Derivative Assets, Cash Collateral0 0
Derviative contracts, net of cash collateral, Assets, Fair value4,864 13,121
Derivative Liabilities, Fair Value, Net [Abstract]
Derivative Liabilities, Gross Fair Value21,036 5,529
Derivative Liabilities, Netting Adjustments(12,437)(4,231)
Derivative Liabilities, Net Fair Value Before Cash Collateral8,599 1,298
Derivative Liabilities, Cash Collateral(4,463)(415)
Derivative Liabilities, Fair Value, Net of Cash Collateral $ 4,136 $ 883
[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, 2021Mar. 31, 2020
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue $ (68,667) $ (37,433)
Gain (Loss) on Derivatives, Net(27,650)18,420
Total customer risk management programs
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue2,592 3,222
Gain (Loss) on Derivatives, Net0 0
Interest rate contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue1,388 942
Gain (Loss) on Derivatives, Net0 0
Energy contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue1,020 2,007
Gain (Loss) on Derivatives, Net0 0
Agricultural contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue18 15
Gain (Loss) on Derivatives, Net0 0
Foreign exchange contracts [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue166 258
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
Trading [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue[1](71,259)(40,655)
Gain (Loss) on Derivatives, Net[1]0 0
Internal risk management programs [Member]
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]
Brokergage and Trading Revenue0 0
Gain (Loss) on Derivatives, Net $ (27,650) $ 18,420
[1]Represents changes in fair value of to-be-announced securities and other derivative instruments held to mitigate market risk of trading securities portfolio, which is offset by changes in fair value of trading securities also include in Brokerage and Trading Revenue in the Consolidated Statements of Earnings.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses, Loans by Portfolio Type (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest $ 8,279,725 $ 8,078,873
Loans, variable rate of interest14,038,103 14,693,954
Loans, non-accrual216,019 234,693
Total22,533,847 23,007,520
Credit Commitments [Abstract]
Outstanding commitments to extend credit11,200,000
Outstanding standby letters of credit714,000
Commercial [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest3,264,973 3,174,203
Loans, variable rate of interest9,245,738 9,736,173
Loans, non-accrual147,073 167,159
Total12,657,784 13,077,535
Commercial real estate [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest1,019,531 1,047,486
Loans, variable rate of interest3,456,573 3,623,806
Loans, non-accrual27,243 27,246
Total4,503,347 4,698,538
Paycheck Protection Program [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest1,848,550 1,682,310
Loans, variable rate of interest0 0
Loans, non-accrual0 0
Total1,848,550 1,682,310
Loans to individuals [Member]
Loan receivables disclosure [Abstract]
Loans, fixed rate of interest2,146,671 2,174,874
Loans, variable rate of interest1,335,792 1,333,975
Loans, non-accrual41,703 40,288
Total $ 3,524,166 $ 3,549,137

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, 2021Mar. 31, 2020Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance $ 388,640 $ 236,568
Provision for loan losses(21,770)95,964
Loans charged off(16,905)(18,917)
Recoveries of loans previously charged off2,437 1,696
Ending balance352,402 315,311
Provision Details [Abstract]
Change in provision due to changes in reasonable and supportable forecasts, primarily due to COVID-19 pandemic(31,100)
Other changes to provision5,200
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance36,921 25,137
Provision for off-balance sheet credit risk(4,044)3,377
Ending balance32,877 28,514
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment22,317,828 $ 22,772,827
Individually measured for impairment, recorded investment216,019 234,693
Total22,533,847 23,007,520
Related allowance [Abstract]
Collectively measured for impairment, related allowance332,351 366,199
Individually measured for impairment, related allowance20,051 22,441
Total352,402 388,640
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance254,934 151,868
Provision for loan losses(9,893)77,723
Loans charged off(15,345)(16,615)
Recoveries of loans previously charged off1,676 462
Ending balance231,372 213,438
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance14,422 11,578
Provision for off-balance sheet credit risk(1,686)2,462
Ending balance12,736 14,040
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment12,510,711 12,910,376
Individually measured for impairment, recorded investment147,073 167,159
Total12,657,784 13,077,535
Related allowance [Abstract]
Collectively measured for impairment, related allowance214,711 235,882
Individually measured for impairment, related allowance16,661 19,052
Total231,372 254,934
Commercial real estate [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance86,558 47,185
Provision for loan losses(4,579)5,115
Loans charged off(263)(886)
Recoveries of loans previously charged off30 47
Ending balance81,746 51,461
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance20,571 11,767
Provision for off-balance sheet credit risk(2,273)808
Ending balance18,298 12,575
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment4,476,104 4,671,292
Individually measured for impairment, recorded investment27,243 27,246
Total4,503,347 4,698,538
Related allowance [Abstract]
Collectively measured for impairment, related allowance78,356 83,169
Individually measured for impairment, related allowance3,390 3,389
Total81,746 86,558
Paycheck Protection Program [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance0 0
Provision for loan losses0 0
Loans charged off0 0
Recoveries of loans previously charged off0 0
Ending balance0 0
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance0 0
Provision for off-balance sheet credit risk0 0
Ending balance0 0
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment1,848,550 1,682,310
Individually measured for impairment, recorded investment0 0
Total1,848,550 1,682,310
Related allowance [Abstract]
Collectively measured for impairment, related allowance0 0
Individually measured for impairment, related allowance0 0
Total0 0
Loans to individuals [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance47,148 37,515
Provision for loan losses(7,298)13,126
Loans charged off(1,297)(1,416)
Recoveries of loans previously charged off731 1,187
Ending balance39,284 50,412
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance1,928 1,792
Provision for off-balance sheet credit risk(85)107
Ending balance1,843 1,899
Recorded investment [Abstract]
Collectively measured for impairment, recorded investment3,482,463 3,508,849
Individually measured for impairment, recorded investment41,703 40,288
Total3,524,166 3,549,137
Related allowance [Abstract]
Collectively measured for impairment, related allowance39,284 47,148
Individually measured for impairment, related allowance0 0
Total39,284 $ 47,148
Nonspecific Allowance [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance0 0
Provision for loan losses0 0
Loans charged off0 0
Recoveries of loans previously charged off0 0
Ending balance0 0
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance0 0
Provision for off-balance sheet credit risk0 0
Ending balance $ 0 0
Previously Reported [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance210,759
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance1,585
Previously Reported [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance118,187
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance1,434
Previously Reported [Member] | Commercial real estate [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance51,805
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance107
Previously Reported [Member] | Paycheck Protection Program [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance0
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance0
Previously Reported [Member] | Loans to individuals [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance23,572
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance44
Previously Reported [Member] | Nonspecific Allowance [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance17,195
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance0
Transition Adjustment [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance25,809
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance23,552
Transition Adjustment [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance33,681
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance10,144
Transition Adjustment [Member] | Commercial real estate [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance(4,620)
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance11,660
Transition Adjustment [Member] | Paycheck Protection Program [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance0
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance0
Transition Adjustment [Member] | Loans to individuals [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance13,943
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance1,748
Transition Adjustment [Member] | Nonspecific Allowance [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance(17,195)
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance $ 0

Loans and Allowances for Cred_4

Loans and Allowances for Credit Losses, Credit Quality Indicators (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One $ 1,281,763 $ 4,855,463
Financing Receivable, Originated, Year Two4,485,179 3,161,473
Financing Receivable, Originated, Year Three3,046,366 2,651,833
Financing Receivable, Originated, Year Four2,353,485 1,788,880
Financing Receivable, Originated, Year Five1,645,058 1,356,476
Financing Receivable, Originated, More Than Five Years4,060,444 3,054,469
Financing Receivable, Revolving5,632,687 6,108,767
Financing Receivable, Revolving, Converted to Term Loan28,865 30,159
Total22,533,847 23,007,520
Commercial [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One495,201 1,657,760
Financing Receivable, Originated, Year Two1,609,600 1,557,142
Financing Receivable, Originated, Year Three1,477,237 1,461,282
Financing Receivable, Originated, Year Four1,340,841 1,013,619
Financing Receivable, Originated, Year Five948,479 747,318
Financing Receivable, Originated, More Than Five Years2,162,219 1,603,533
Financing Receivable, Revolving4,621,212 5,033,683
Financing Receivable, Revolving, Converted to Term Loan2,995 3,198
Total12,657,784 13,077,535
Commercial [Member] | Energy [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One80,102 157,690
Financing Receivable, Originated, Year Two126,717 55,833
Financing Receivable, Originated, Year Three55,688 90,799
Financing Receivable, Originated, Year Four80,149 7,178
Financing Receivable, Originated, Year Five6,731 13,815
Financing Receivable, Originated, More Than Five Years33,281 29,020
Financing Receivable, Revolving2,819,820 3,114,859
Financing Receivable, Revolving, Converted to Term Loan0 0
Total3,202,488 3,469,194
Commercial [Member] | Healthcare [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One114,646 536,745
Financing Receivable, Originated, Year Two570,755 642,739
Financing Receivable, Originated, Year Three645,309 639,676
Financing Receivable, Originated, Year Four616,403 423,763
Financing Receivable, Originated, Year Five394,541 234,531
Financing Receivable, Originated, More Than Five Years794,617 680,890
Financing Receivable, Revolving154,487 147,646
Financing Receivable, Revolving, Converted to Term Loan0 0
Total3,290,758 3,305,990
Commercial [Member] | Services [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One182,186 540,265
Financing Receivable, Originated, Year Two547,870 452,269
Financing Receivable, Originated, Year Three394,254 399,264
Financing Receivable, Originated, Year Four347,450 326,282
Financing Receivable, Originated, Year Five320,352 381,902
Financing Receivable, Originated, More Than Five Years1,023,831 700,028
Financing Receivable, Revolving605,378 707,891
Financing Receivable, Revolving, Converted to Term Loan627 682
Total3,421,948 3,508,583
Commercial [Member] | General business [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One118,267 423,060
Financing Receivable, Originated, Year Two364,258 406,301
Financing Receivable, Originated, Year Three381,986 331,543
Financing Receivable, Originated, Year Four296,839 256,396
Financing Receivable, Originated, Year Five226,855 117,070
Financing Receivable, Originated, More Than Five Years310,490 193,595
Financing Receivable, Revolving1,041,527 1,063,287
Financing Receivable, Revolving, Converted to Term Loan2,368 2,516
Total2,742,590 2,793,768
Commercial real estate [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One73,306 725,577
Financing Receivable, Originated, Year Two812,635 1,219,638
Financing Receivable, Originated, Year Three1,224,195 954,485
Financing Receivable, Originated, Year Four799,248 506,146
Financing Receivable, Originated, Year Five448,630 325,092
Financing Receivable, Originated, More Than Five Years981,532 744,404
Financing Receivable, Revolving163,764 223,158
Financing Receivable, Revolving, Converted to Term Loan37 38
Total4,503,347 4,698,538
Paycheck Protection Program [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One544,128 1,682,310
Financing Receivable, Originated, Year Two1,304,422 0
Financing Receivable, Originated, Year Three0 0
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years0 0
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total1,848,550 1,682,310
Loans to individuals [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One169,128 789,816
Financing Receivable, Originated, Year Two758,522 384,693
Financing Receivable, Originated, Year Three344,934 236,066
Financing Receivable, Originated, Year Four213,396 269,115
Financing Receivable, Originated, Year Five247,949 284,066
Financing Receivable, Originated, More Than Five Years916,693 706,532
Financing Receivable, Revolving847,711 851,926
Financing Receivable, Revolving, Converted to Term Loan25,833 26,923
Total3,524,166 3,549,137
Loans to individuals [Member] | Residential mortgage [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One124,830 565,006
Financing Receivable, Originated, Year Two535,429 149,947
Financing Receivable, Originated, Year Three119,990 124,678
Financing Receivable, Originated, Year Four104,023 125,714
Financing Receivable, Originated, Year Five104,373 160,870
Financing Receivable, Originated, More Than Five Years461,434 371,059
Financing Receivable, Revolving322,936 340,316
Financing Receivable, Revolving, Converted to Term Loan24,463 25,413
Total1,797,478 1,863,003
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 4,859
Financing Receivable, Originated, Year Two7,101 33,880
Financing Receivable, Originated, Year Three32,171 35,009
Financing Receivable, Originated, Year Four36,062 43,099
Financing Receivable, Originated, Year Five45,744 58,573
Financing Receivable, Originated, More Than Five Years298,973 233,267
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total420,051 408,687
Loans to individuals [Member] | Personal [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One44,298 219,951
Financing Receivable, Originated, Year Two215,992 200,866
Financing Receivable, Originated, Year Three192,773 76,379
Financing Receivable, Originated, Year Four73,311 100,302
Financing Receivable, Originated, Year Five97,832 64,623
Financing Receivable, Originated, More Than Five Years156,286 102,206
Financing Receivable, Revolving524,775 511,610
Financing Receivable, Revolving, Converted to Term Loan1,370 1,510
Total1,306,637 1,277,447
Performing [Member] | Commercial [Member] | Energy [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One63,102 112,614
Financing Receivable, Originated, Year Two81,658 51,863
Financing Receivable, Originated, Year Three51,881 89,346
Financing Receivable, Originated, Year Four78,812 7,178
Financing Receivable, Originated, Year Five6,731 1,148
Financing Receivable, Originated, More Than Five Years8,019 7,956
Financing Receivable, Revolving2,388,115 2,548,663
Financing Receivable, Revolving, Converted to Term Loan0 0
Total2,678,318 2,818,768
Performing [Member] | Commercial [Member] | Energy [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One17,000 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three0 0
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years0 0
Financing Receivable, Revolving144,976 202,590
Financing Receivable, Revolving, Converted to Term Loan0 0
Total161,976 202,590
Performing [Member] | Commercial [Member] | Energy [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 24,000
Financing Receivable, Originated, Year Two24,051 1,363
Financing Receivable, Originated, Year Three1,319 1,453
Financing Receivable, Originated, Year Four1,337 0
Financing Receivable, Originated, Year Five0 12,667
Financing Receivable, Originated, More Than Five Years11,922 0
Financing Receivable, Revolving221,765 283,294
Financing Receivable, Revolving, Converted to Term Loan0 0
Total260,394 322,777
Performing [Member] | Commercial [Member] | Healthcare [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One114,646 536,745
Financing Receivable, Originated, Year Two570,755 615,221
Financing Receivable, Originated, Year Three617,791 638,302
Financing Receivable, Originated, Year Four615,371 422,834
Financing Receivable, Originated, Year Five394,541 234,399
Financing Receivable, Originated, More Than Five Years780,397 658,286
Financing Receivable, Revolving153,973 147,132
Financing Receivable, Revolving, Converted to Term Loan0 0
Total3,247,474 3,252,919
Performing [Member] | Commercial [Member] | Healthcare [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 27,500
Financing Receivable, Originated, Year Three0 0
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years504 8,282
Financing Receivable, Revolving5 5
Financing Receivable, Revolving, Converted to Term Loan0 0
Total509 35,787
Performing [Member] | Commercial [Member] | Healthcare [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three27,500 1,191
Financing Receivable, Originated, Year Four1,032 929
Financing Receivable, Originated, Year Five0 132
Financing Receivable, Originated, More Than Five Years11,056 11,387
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total39,588 13,639
Performing [Member] | Commercial [Member] | Services [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One182,186 534,853
Financing Receivable, Originated, Year Two542,579 436,384
Financing Receivable, Originated, Year Three381,122 372,867
Financing Receivable, Originated, Year Four327,241 307,374
Financing Receivable, Originated, Year Five300,688 373,785
Financing Receivable, Originated, More Than Five Years1,005,483 683,936
Financing Receivable, Revolving574,095 665,491
Financing Receivable, Revolving, Converted to Term Loan627 682
Total3,314,021 3,375,372
Performing [Member] | Commercial [Member] | Services [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 150
Financing Receivable, Originated, Year Two138 9,057
Financing Receivable, Originated, Year Three1,446 389
Financing Receivable, Originated, Year Four1,008 291
Financing Receivable, Originated, Year Five7 2,038
Financing Receivable, Originated, More Than Five Years1,844 2,000
Financing Receivable, Revolving1,971 3,063
Financing Receivable, Revolving, Converted to Term Loan0 0
Total6,414 16,988
Performing [Member] | Commercial [Member] | Services [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 429
Financing Receivable, Originated, Year Two421 6,380
Financing Receivable, Originated, Year Three11,238 26,008
Financing Receivable, Originated, Year Four18,435 6,027
Financing Receivable, Originated, Year Five5,288 5,030
Financing Receivable, Originated, More Than Five Years9,471 7,954
Financing Receivable, Revolving28,627 38,797
Financing Receivable, Revolving, Converted to Term Loan0 0
Total73,480 90,625
Performing [Member] | Commercial [Member] | General business [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One118,267 419,756
Financing Receivable, Originated, Year Two361,002 394,985
Financing Receivable, Originated, Year Three370,674 310,273
Financing Receivable, Originated, Year Four274,644 236,222
Financing Receivable, Originated, Year Five209,218 103,987
Financing Receivable, Originated, More Than Five Years297,857 186,600
Financing Receivable, Revolving1,032,658 1,055,878
Financing Receivable, Revolving, Converted to Term Loan2,305 2,316
Total2,666,625 2,710,017
Performing [Member] | Commercial [Member] | General business [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 197
Financing Receivable, Originated, Year Two189 4,519
Financing Receivable, Originated, Year Three4,850 9,713
Financing Receivable, Originated, Year Four3,401 7,803
Financing Receivable, Originated, Year Five7,469 2,511
Financing Receivable, Originated, More Than Five Years1,781 3,159
Financing Receivable, Revolving4,903 2,483
Financing Receivable, Revolving, Converted to Term Loan0 19
Total22,593 30,404
Performing [Member] | Commercial [Member] | General business [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 1,432
Financing Receivable, Originated, Year Two1,392 3,069
Financing Receivable, Originated, Year Three2,575 6,694
Financing Receivable, Originated, Year Four12,901 10,935
Financing Receivable, Originated, Year Five8,738 10,042
Financing Receivable, Originated, More Than Five Years10,287 3,729
Financing Receivable, Revolving3,408 4,449
Financing Receivable, Revolving, Converted to Term Loan18 140
Total39,319 40,490
Performing [Member] | Commercial real estate [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One73,306 725,577
Financing Receivable, Originated, Year Two812,635 1,211,338
Financing Receivable, Originated, Year Three1,215,895 954,226
Financing Receivable, Originated, Year Four796,047 489,193
Financing Receivable, Originated, Year Five430,066 314,899
Financing Receivable, Originated, More Than Five Years951,180 722,475
Financing Receivable, Revolving163,737 223,131
Financing Receivable, Revolving, Converted to Term Loan37 38
Total4,442,903 4,640,877
Performing [Member] | Commercial real estate [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three0 259
Financing Receivable, Originated, Year Four3,201 12,311
Financing Receivable, Originated, Year Five14,110 2,725
Financing Receivable, Originated, More Than Five Years6,900 5,831
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total24,211 21,126
Performing [Member] | Commercial real estate [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three0 0
Financing Receivable, Originated, Year Four0 4,410
Financing Receivable, Originated, Year Five4,454 0
Financing Receivable, Originated, More Than Five Years4,509 4,852
Financing Receivable, Revolving27 27
Financing Receivable, Revolving, Converted to Term Loan0 0
Total8,990 9,289
Performing [Member] | Paycheck Protection Program [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One544,128 1,682,310
Financing Receivable, Originated, Year Two1,304,422 0
Financing Receivable, Originated, Year Three0 0
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years0 0
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total1,848,550 1,682,310
Performing [Member] | Loans to individuals [Member] | Residential mortgage [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One124,830 564,325
Financing Receivable, Originated, Year Two534,781 149,832
Financing Receivable, Originated, Year Three119,866 120,875
Financing Receivable, Originated, Year Four100,259 124,930
Financing Receivable, Originated, Year Five103,645 158,801
Financing Receivable, Originated, More Than Five Years433,347 348,292
Financing Receivable, Revolving318,319 335,259
Financing Receivable, Revolving, Converted to Term Loan23,567 24,553
Total1,758,614 1,826,867
Performing [Member] | Loans to individuals [Member] | Residential mortgage [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 33
Financing Receivable, Originated, Year Two22 11
Financing Receivable, Originated, Year Three0 2,094
Financing Receivable, Originated, Year Four1,851 0
Financing Receivable, Originated, Year Five0 59
Financing Receivable, Originated, More Than Five Years3,429 318
Financing Receivable, Revolving204 950
Financing Receivable, Revolving, Converted to Term Loan74 10
Total5,580 3,475
Performing [Member] | Loans to individuals [Member] | Residential mortgage [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three0 51
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years0 34
Financing Receivable, Revolving400 272
Financing Receivable, Revolving, Converted to Term Loan0 76
Total400 433
Performing [Member] | Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 4,859
Financing Receivable, Originated, Year Two7,101 33,880
Financing Receivable, Originated, Year Three32,171 34,464
Financing Receivable, Originated, Year Four35,189 43,099
Financing Receivable, Originated, Year Five45,744 58,264
Financing Receivable, Originated, More Than Five Years291,282 226,380
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total411,487 400,946
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One44,298 219,873
Financing Receivable, Originated, Year Two215,962 200,580
Financing Receivable, Originated, Year Three192,533 76,246
Financing Receivable, Originated, Year Four73,230 100,229
Financing Receivable, Originated, Year Five97,757 64,104
Financing Receivable, Originated, More Than Five Years155,714 102,126
Financing Receivable, Revolving524,716 510,571
Financing Receivable, Revolving, Converted to Term Loan1,370 1,510
Total1,305,580 1,275,239
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 39
Financing Receivable, Originated, Year Two28 55
Financing Receivable, Originated, Year Three14 66
Financing Receivable, Originated, Year Four21 0
Financing Receivable, Originated, Year Five2 469
Financing Receivable, Originated, More Than Five Years474 31
Financing Receivable, Revolving12 965
Financing Receivable, Revolving, Converted to Term Loan0 0
Total551 1,625
Performing [Member] | Loans to individuals [Member] | Personal [Member] | Accruing Substandard [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 11
Financing Receivable, Originated, Year Two0 214
Financing Receivable, Originated, Year Three215 10
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years17 0
Financing Receivable, Revolving19 29
Financing Receivable, Revolving, Converted to Term Loan0 0
Total251 264
Nonperforming Financial Instruments [Member] | Commercial [Member] | Energy [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 21,076
Financing Receivable, Originated, Year Two21,008 2,607
Financing Receivable, Originated, Year Three2,488 0
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years13,340 21,064
Financing Receivable, Revolving64,964 80,312
Financing Receivable, Revolving, Converted to Term Loan0 0
Total101,800 125,059
Nonperforming Financial Instruments [Member] | Commercial [Member] | Healthcare [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 18
Financing Receivable, Originated, Year Three18 183
Financing Receivable, Originated, Year Four0 0
Financing Receivable, Originated, Year Five0 0
Financing Receivable, Originated, More Than Five Years2,660 2,935
Financing Receivable, Revolving509 509
Financing Receivable, Revolving, Converted to Term Loan0 0
Total3,187 3,645
Nonperforming Financial Instruments [Member] | Commercial [Member] | Services [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 4,833
Financing Receivable, Originated, Year Two4,732 448
Financing Receivable, Originated, Year Three448 0
Financing Receivable, Originated, Year Four766 12,590
Financing Receivable, Originated, Year Five14,369 1,049
Financing Receivable, Originated, More Than Five Years7,033 6,138
Financing Receivable, Revolving685 540
Financing Receivable, Revolving, Converted to Term Loan0 0
Total28,033 25,598
Nonperforming Financial Instruments [Member] | Commercial [Member] | General business [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 1,675
Financing Receivable, Originated, Year Two1,675 3,728
Financing Receivable, Originated, Year Three3,887 4,863
Financing Receivable, Originated, Year Four5,893 1,436
Financing Receivable, Originated, Year Five1,430 530
Financing Receivable, Originated, More Than Five Years565 107
Financing Receivable, Revolving558 477
Financing Receivable, Revolving, Converted to Term Loan45 41
Total14,053 12,857
Nonperforming Financial Instruments [Member] | Commercial real estate [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 8,300
Financing Receivable, Originated, Year Three8,300 0
Financing Receivable, Originated, Year Four0 232
Financing Receivable, Originated, Year Five0 7,468
Financing Receivable, Originated, More Than Five Years18,943 11,246
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total27,243 27,246
Nonperforming Financial Instruments [Member] | Loans to individuals [Member] | Residential mortgage [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 648
Financing Receivable, Originated, Year Two626 104
Financing Receivable, Originated, Year Three124 1,658
Financing Receivable, Originated, Year Four1,913 784
Financing Receivable, Originated, Year Five728 2,010
Financing Receivable, Originated, More Than Five Years24,658 22,415
Financing Receivable, Revolving4,013 3,835
Financing Receivable, Revolving, Converted to Term Loan822 774
Total32,884 32,228
Nonperforming Financial Instruments [Member] | Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 0
Financing Receivable, Originated, Year Two0 0
Financing Receivable, Originated, Year Three0 545
Financing Receivable, Originated, Year Four873 0
Financing Receivable, Originated, Year Five0 309
Financing Receivable, Originated, More Than Five Years7,691 6,887
Financing Receivable, Revolving0 0
Financing Receivable, Revolving, Converted to Term Loan0 0
Total8,564 7,741
Nonperforming Financial Instruments [Member] | Loans to individuals [Member] | Personal [Member] | Nonaccrual [Member]
Financing Receivable, Credit Quality Indicator Line Items [Abstract]
Financing Receivable, Originated, Year One0 28
Financing Receivable, Originated, Year Two2 17
Financing Receivable, Originated, Year Three11 57
Financing Receivable, Originated, Year Four60 73
Financing Receivable, Originated, Year Five73 50
Financing Receivable, Originated, More Than Five Years81 49
Financing Receivable, Revolving28 45
Financing Receivable, Revolving, Converted to Term Loan0 0
Total $ 255 $ 319

Loans and Allowances for Cred_5

Loans and Allowances for Credit Losses Loans and Allowances for Credit Losses, Nonaccrual (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual $ 216,019 $ 234,693
Financing Receivable, Nonaccrual, No Allowance144,555 167,878
Financing Receivable, Nonaccrual, With Allowance71,464 66,815
Financing Receivable, Nonaccrual, Related Allowance20,051 22,441
Commercial [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual147,073 167,159
Financing Receivable, Nonaccrual, No Allowance89,210 113,945
Financing Receivable, Nonaccrual, With Allowance57,863 53,214
Financing Receivable, Nonaccrual, Related Allowance16,661 19,052
Commercial [Member] | Energy [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual101,800 125,059
Financing Receivable, Nonaccrual, No Allowance48,042 76,633
Financing Receivable, Nonaccrual, With Allowance53,758 48,426
Financing Receivable, Nonaccrual, Related Allowance13,893 16,478
Commercial [Member] | Healthcare [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual3,187 3,645
Financing Receivable, Nonaccrual, No Allowance3,187 3,645
Financing Receivable, Nonaccrual, With Allowance0 0
Financing Receivable, Nonaccrual, Related Allowance0 0
Commercial [Member] | Services [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual28,033 25,598
Financing Receivable, Nonaccrual, No Allowance24,046 20,810
Financing Receivable, Nonaccrual, With Allowance3,987 4,788
Financing Receivable, Nonaccrual, Related Allowance2,650 2,574
Commercial [Member] | General business [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual14,053 12,857
Financing Receivable, Nonaccrual, No Allowance13,935 12,857
Financing Receivable, Nonaccrual, With Allowance118 0
Financing Receivable, Nonaccrual, Related Allowance118 0
Commercial real estate [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual27,243 27,246
Financing Receivable, Nonaccrual, No Allowance13,642 13,645
Financing Receivable, Nonaccrual, With Allowance13,601 13,601
Financing Receivable, Nonaccrual, Related Allowance3,390 3,389
Loans to individuals [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual41,703 40,288
Financing Receivable, Nonaccrual, No Allowance41,703 40,288
Financing Receivable, Nonaccrual, With Allowance0 0
Financing Receivable, Nonaccrual, Related Allowance0 0
Loans to individuals [Member] | Residential mortgage [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual32,884 32,228
Financing Receivable, Nonaccrual, No Allowance32,884 32,228
Financing Receivable, Nonaccrual, With Allowance0 0
Financing Receivable, Nonaccrual, Related Allowance0 0
Loans to individuals [Member] | Personal [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual255 319
Financing Receivable, Nonaccrual, No Allowance255 319
Financing Receivable, Nonaccrual, With Allowance0 0
Financing Receivable, Nonaccrual, Related Allowance0 0
US Government Agency Insured Loans [Member] | Loans to individuals [Member] | Residential mortgage [Member]
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual8,564 7,741
Financing Receivable, Nonaccrual, No Allowance8,564 7,741
Financing Receivable, Nonaccrual, With Allowance0 0
Financing Receivable, Nonaccrual, Related Allowance $ 0 $ 0

Loans and Allowances for Cred_6

Loans and Allowances for Credit Losses, Troubled Debt Restructurings (Details) - USD ($)3 Months Ended
Mar. 31, 2021Mar. 31, 2020Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled Debt Restructuring, Recorded Investment $ 186,000,000 $ 187,000,000
Troubled Debt Restructuring, Performing in Accordance With Modified Terms103,000,000 95,000,000
Troubled Debt Restructuring, Recorded Balance Modified During the Period13,000,000 $ 28,000,000
Troubled Debt Restructuring, Charge-offs306,000 $ 2,000,000
Residential mortgage [Member] | Loans to individuals [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled Debt Restructuring, Specific Allowance0
Residential mortgage [Member] | Nonperforming Financial Instruments [Member] | Loans to individuals [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled Debt Restructuring, Recorded Investment17,000,000
US Government Agency Insured Loans [Member] | Residential mortgage [Member] | Performing [Member] | Loans to individuals [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Troubled Debt Restructuring, Recorded Investment $ 155,000,000 $ 152,000,000

Loans and Allowances for Cred_7

Loans and Allowances for Credit Losses, By Aging Category (Details) - USD ($) $ in ThousandsMar. 31, 2021Dec. 31, 2020
Financing receivable, recorded investment, aging [Abstract]
Current $ 22,292,878 $ 22,718,498
Total22,533,847 23,007,520
Past Due 90 Days or More and Accruing77,404 88,718
30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due67,117 68,013
60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due15,565 38,782
90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due158,287 182,227
Commercial [Member]
Financing receivable, recorded investment, aging [Abstract]
Current12,598,053 12,978,801
Total12,657,784 13,077,535
Past Due 90 Days or More and Accruing145 4,821
Commercial [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due9,503 17,219
Commercial [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due2,051 10,504
Commercial [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due48,177 71,011
Commercial [Member] | Energy [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,183,861 3,410,995
Total3,202,488 3,469,194
Past Due 90 Days or More and Accruing0 0
Commercial [Member] | Energy [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 12,735
Commercial [Member] | Energy [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 4,050
Commercial [Member] | Energy [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due18,627 41,414
Commercial [Member] | Healthcare [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,287,571 3,302,345
Total3,290,758 3,305,990
Past Due 90 Days or More and Accruing0 0
Commercial [Member] | Healthcare [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
Commercial [Member] | Healthcare [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
Commercial [Member] | Healthcare [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due3,187 3,645
Commercial [Member] | Services [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,404,154 3,489,423
Total3,421,948 3,508,583
Past Due 90 Days or More and Accruing0 326
Commercial [Member] | Services [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due1,791 3,278
Commercial [Member] | Services [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due208 177
Commercial [Member] | Services [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due15,795 15,705
Commercial [Member] | General business [Member]
Financing receivable, recorded investment, aging [Abstract]
Current2,722,467 2,776,038
Total2,742,590 2,793,768
Past Due 90 Days or More and Accruing145 4,495
Commercial [Member] | General business [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due7,712 1,206
Commercial [Member] | General business [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due1,843 6,277
Commercial [Member] | General business [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due10,568 10,247
Commercial real estate [Member]
Financing receivable, recorded investment, aging [Abstract]
Current4,482,750 4,672,279
Total4,503,347 4,698,538
Past Due 90 Days or More and Accruing0 5,126
Commercial real estate [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due134 276
Commercial real estate [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 5,310
Commercial real estate [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due20,463 20,673
Paycheck Protection Program [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,848,550 1,682,310
Total1,848,550 1,682,310
Past Due 90 Days or More and Accruing0 0
Paycheck Protection Program [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
Paycheck Protection Program [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
Paycheck Protection Program [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due0 0
Loans to individuals [Member]
Financing receivable, recorded investment, aging [Abstract]
Current3,363,525 3,385,108
Total3,524,166 3,549,137
Past Due 90 Days or More and Accruing77,259 78,771
Loans to individuals [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due57,480 50,518
Loans to individuals [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due13,514 22,968
Loans to individuals [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due89,647 90,543
Loans to individuals [Member] | Residential mortgage [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,782,825 1,849,304
Total1,797,478 1,863,003
Past Due 90 Days or More and Accruing250 181
Loans to individuals [Member] | Residential mortgage [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due7,215 5,812
Loans to individuals [Member] | Residential mortgage [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due415 837
Loans to individuals [Member] | Residential mortgage [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due7,023 7,050
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member]
Financing receivable, recorded investment, aging [Abstract]
Current274,265 262,102
Total420,051 408,687
Past Due 90 Days or More and Accruing77,009 78,349
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due50,175 41,389
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due13,059 22,041
Loans to individuals [Member] | Residential mortgage [Member] | US Government Agency Insured Loans [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due82,552 83,155
Loans to individuals [Member] | Personal [Member]
Financing receivable, recorded investment, aging [Abstract]
Current1,306,435 1,273,702
Total1,306,637 1,277,447
Past Due 90 Days or More and Accruing0 241
Loans to individuals [Member] | Personal [Member] | 30 to 59 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due90 3,317
Loans to individuals [Member] | Personal [Member] | 60 to 89 Days [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due40 90
Loans to individuals [Member] | Personal [Member] | 90 Days or More [Member]
Financing receivable, recorded investment, aging [Abstract]
Past Due $ 72 $ 338

Mortgage Banking Activities, Co

Mortgage Banking Activities, Components of Loans Held For Sale (Details) - USD ($) $ in Thousands3 Months Ended12 Months Ended
Mar. 31, 2021Mar. 31, 2020Dec. 31, 2020
Schedule of Residential Mortgage Loans Held For Sale [Line Items]
Number of days for past due for loan to be considered nonperforming (in days)9090
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 balance260,005 227,161
Residential mortgage loans held for sale, Fair value262,333 236,444
Residential mortgage loans held for sale $ 284,447 $ 252,316
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)6060
General number of days outstanding for residential mortgage commitments, maximum (in days)9090
Components of Residential Mortgage Loans Held for Sale [Abstract]
Derivative, Notional Amount $ 387,465 $ 380,637
Derivative, Net fair value $ 11,455 $ 20,435
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)6060
General number of days for delivery for loans, for which the price is set by forward sales contracts, maximum (in days)9090
Components of Residential Mortgage Loans Held for Sale [Abstract]
Derivative, Notional Amount $ 584,743 $ 549,414
Derivative, Net fair value $ 10,659 $ (4,563)

Mortgage Banking Activities Mor

Mortgage Banking Activities Mortgage Banking Activities, Mortgage Banking Revenue (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Mortgage Banking Revenue [Abstract]
Net realized gains on sale of mortgage loans $ 26,000 $ 9,717
Net change in unrealized gain (loss) on mortgage loans held for sale(6,955)3,561
Net change in the fair value of mortgage loan commitments(8,980)19,017
Net change in the fair value of forward sales contracts15,222 (10,725)
Total production revenue25,287 21,570
Servicing revenue11,826 15,597
Total mortgage banking revenue $ 37,113 $ 37,167

Mortgage Banking Activities, Mo

Mortgage Banking Activities, Mortgage Servicing Rights (Details)3 Months Ended12 Months Ended
Mar. 31, 2021USD ($)Mar. 31, 2020USD ($)Dec. 31, 2020USD ($)
Summary of Mortgage Servicing Rights [Abstract]
Number of residential mortgage loans serviced for others101,912 106,201
Outstanding principal balance of residential mortgage loans serviced for others $ 15,458,772,000 $ 16,228,449,000
Weighted average interest rate3.78%3.84%
Remaining term (in months)279280
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance $ 101,172,000 $ 201,886,000 $ 201,886,000
Additions9,830,000 5,441,000
Change in fair value due to principal payments(11,961,000)(8,019,000)
Change in fair value due to market assumption changes33,874,000 (88,480,000)
Ending balance $ 132,915,000 $ 110,828,000 $ 101,172,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rate - risk-free rate plus a market premium (in hundredths)9.13%9.14%
Prepayment rate - based upon loan interest rate, original term and loan type, minimum6.37%9.41%
Prepayment rate - based upon loan interest rate, original term and loan type, maximum17.80%21.87%
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 69 $ 69
Loan servicing costs - annually per loan based upon loan type, performing, maximum (in dollars per loan)94 94
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)1.04%0.43%
Primary secondary mortgage rate spread105 105
Delinquency rate2.77%3.54%

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details)3 Months Ended
Mar. 31, 2021USD ($)
Judicial Ruling [Member] | Misuse of Revenues Pledged to Municipal Bonds [Member]
Litigation Settlement [Abstract]
Disgorged fees $ 1,067,721
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
Outstanding principal accrued interest and other amounts upon sale of facilities securing payment of the bonds $ 20,000,000
Principal amount of entered judgment against the principal individual and his wife36,805,051
Pre-judgment interest amount of entered judgment against the principal individual and his wife $ 10,937,831
Pending Litigation [Member] | Inclusion of Proprietary Investment Products as Investment Options in 401k Plan Whose Fees Were Too High and Performance Too Low [Member]
Litigation Settlement [Abstract]
Loss Contingency, Number of Plaintiffs3
Pending Litigation [Member] | Bank breached various fiduciary duties acting in its capacity as trustee of a trust that was a co-general partner of the partnership
Litigation Settlement [Abstract]
Loss Contingency, Damages Sought, Value $ 60,000,000

Commitments and Contingent Li_3

Commitments and Contingent Liabilities Variable Interest Entities (Details) $ in MillionsMar. 31, 2021USD ($)
Other Assets [Member]
Variable Interest Entity [Line Items]
Amortization Method Qualified Affordable Housing Project Investments $ 319
Other Liabilities [Member]
Variable Interest Entity [Line Items]
Qualified Affordable Housing Project Investments, Commitment $ 104

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ / shares in Units, $ in ThousandsMay 04, 2021Mar. 31, 2021Mar. 31, 2020
Dividends declared (in dollars per share) $ 0.52 $ 0.51
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period $ 335,868 $ 104,923
Net change in unrealized gain (loss)(150,131)297,843
Reclassification Adjustments Included in Earnings [Abstract]
Gain on available for sale securities, net(467)(3)
Other comprehensive income, before income taxes(150,598)297,840
Federal and state income taxes(36,139)71,471
Other comprehensive income, net of income taxes(114,459)226,369
Balance, End of Period221,409 331,292
Accumulated Net Unrealized Gain (Loss) on Available for Sale Securities [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period335,032 104,996
Net change in unrealized gain (loss)(150,131)297,843
Reclassification Adjustments Included in Earnings [Abstract]
Gain on available for sale securities, net(467)(3)
Other comprehensive income, before income taxes(150,598)297,840
Federal and state income taxes(36,139)71,471
Other comprehensive income, net of income taxes(114,459)226,369
Balance, End of Period220,573 331,365
Accumulated Unrealized Gain (Loss) on Employee Benefit Plans [Member]
Schedule of Accumulated Other Income (Loss) [Abstract]
Balance, Beginning of Period836 (73)
Net change in unrealized gain (loss)0 0
Reclassification Adjustments Included in Earnings [Abstract]
Gain on available for sale securities, net0 0
Other comprehensive income, before income taxes0 0
Federal and state income taxes0 0
Other comprehensive income, net of income taxes0 0
Balance, End of Period $ 836 $ (73)
Subsequent Event [Member]
Dividends Payable, Date DeclaredMay 4,
2021
Dividends declared (in dollars per share) $ 0.52
Dividends Payable, Date to be PaidMay 27,
2021
Dividends Payable, Date of RecordMay 17,
2021

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Numerator: [Abstract]
Net income attributable to BOK Financial Corp. shareholders $ 146,060 $ 62,079
Less: Earnings allocated to participating securities937 343
Numerator for basic earnings per share – income available to common shareholders145,123 61,736
Effect of reallocating undistributed earnings of participating securities0 0
Numerator for diluted earnings per share – income available to common shareholders $ 145,123 $ 61,736
Denominator: [Abstract]
Weighted average shares outstanding (in shares)69,583,788 70,513,807
Less: Participating securities included in weighted average shares (in shares)446,413 390,122
Denominator for basic earnings per common share (in shares)69,137,375 70,123,685
Dilutive effect of employee stock compensation plans (in shares)4,335 6,481
Denominator for diluted earnings per common share (in shares)69,141,710 70,130,166
Basic earnings per share $ 2.10 $ 0.88
Diluted earnings per share $ 2.10 $ 0.88

Reportable Segments (Details)

Reportable Segments (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Segment Reporting Information [Line Items]
Net interest revenue from external sources $ 280,420 $ 261,360
Net interest revenue (expense) from internal sources0 0
Net interest revenue280,420 261,360
Provision for credit losses(25,000)93,771
Net interest revenue after provision for credit losses305,420 167,589
Other operating revenue163,897 180,319
Other operating expense282,627 268,624
Net direct contribution186,690 79,284
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 taxes186,690 79,284
Federal and state income taxes42,382 17,300
Net income144,308 61,984
Net income (loss) attributable to non-controlling interests(1,752)(95)
Net income attributable to BOK Financial Corp. shareholders146,060 62,079
Average assets50,310,633 45,720,618
Operating Segments [Member] | Commercial [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources155,799 201,902
Net interest revenue (expense) from internal sources(25,794)(50,495)
Net interest revenue130,005 151,407
Provision for credit losses13,985 16,880
Net interest revenue after provision for credit losses116,020 134,527
Other operating revenue46,579 38,220
Other operating expense66,979 60,752
Net direct contribution95,620 111,995
Gain (loss) on financial instruments, net33 49
Change in fair value of mortgage servicing rights0 0
Gain (loss) on repossessed assets, net12,737 9
Corporate expense allocations12,734 8,905
Net income before taxes95,656 103,148
Federal and state income taxes25,983 28,173
Net income69,673 74,975
Net income (loss) attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders69,673 74,975
Average assets28,047,052 24,687,976
Operating Segments [Member] | Consumer [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources16,686 25,876
Net interest revenue (expense) from internal sources4,288 18,056
Net interest revenue20,974 43,932
Provision for credit losses1,136 1,256
Net interest revenue after provision for credit losses19,838 42,676
Other operating revenue52,282 55,062
Other operating expense55,743 53,844
Net direct contribution16,377 43,894
Gain (loss) on financial instruments, net(29,616)86,764
Change in fair value of mortgage servicing rights33,874 (88,480)
Gain (loss) on repossessed assets, net41 13
Corporate expense allocations11,487 10,389
Net income before taxes9,189 31,802
Federal and state income taxes2,340 8,101
Net income6,849 23,701
Net income (loss) attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders6,849 23,701
Average assets9,755,539 9,850,853
Operating Segments [Member] | Wealth Management [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources48,554 14,366
Net interest revenue (expense) from internal sources(200)4,538
Net interest revenue48,354 18,904
Provision for credit losses(29)(48)
Net interest revenue after provision for credit losses48,383 18,952
Other operating revenue66,123 97,881
Other operating expense78,565 78,192
Net direct contribution35,941 38,641
Gain (loss) on financial instruments, net0 7
Change in fair value of mortgage servicing rights0 0
Gain (loss) on repossessed assets, net0 0
Corporate expense allocations9,887 8,265
Net income before taxes26,054 30,383
Federal and state income taxes6,672 7,810
Net income19,382 22,573
Net income (loss) attributable to non-controlling interests0 0
Net income attributable to BOK Financial Corp. shareholders19,382 22,573
Average assets18,645,865 12,723,412
Funds Management and Other [Member]
Segment Reporting Information [Line Items]
Net interest revenue from external sources59,381 19,216
Net interest revenue (expense) from internal sources21,706 27,901
Net interest revenue81,087 47,117
Provision for credit losses(40,092)75,683
Net interest revenue after provision for credit losses121,179 (28,566)
Other operating revenue(1,087)(10,844)
Other operating expense81,340 75,836
Net direct contribution38,752 (115,246)
Gain (loss) on financial instruments, net29,583 (86,820)
Change in fair value of mortgage servicing rights(33,874)88,480
Gain (loss) on repossessed assets, net(12,778)(22)
Corporate expense allocations(34,108)(27,559)
Net income before taxes55,791 (86,049)
Federal and state income taxes7,387 (26,784)
Net income48,404 (59,265)
Net income (loss) attributable to non-controlling interests(1,752)(95)
Net income attributable to BOK Financial Corp. shareholders50,156 (59,170)
Average assets $ (6,137,823) $ (1,541,623)

Fees and Commissions Revenue _3

Fees and Commissions Revenue Fees and Commissions (Details) - USD ($) $ in Thousands3 Months Ended
Mar. 31, 2021Mar. 31, 2020
Disaggregation of Revenue [Line Items]
Total fees and commissions $ 162,152 $ 192,724
Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions162,152 192,724
Fees and commission revenue not from contracts with customers58,613 [1]85,010 [2]
Fees and commissions revenue from contracts with customers103,539 [3]107,714 [4]
Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions20,782 50,779
Fees and commission revenue not from contracts with customers8,357 [1]39,435 [2]
Fees and commissions revenue from contracts with customers12,425 [3]11,344 [4]
Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions3,716 34,384
Fees and commission revenue not from contracts with customers3,716 [1]34,384 [2]
Fees and commissions revenue from contracts with customers0 [3]0 [4]
Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,592 3,223
Fees and commission revenue not from contracts with customers2,592 [1]3,223 [2]
Fees and commissions revenue from contracts with customers0 [3]0 [4]
Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,741 4,343
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers4,741 [3]4,343 [4]
Insurance brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,916 3,789
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers2,916 [3]3,789 [4]
Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions6,817 5,040
Fees and commission revenue not from contracts with customers2,049 [1]1,828 [2]
Fees and commissions revenue from contracts with customers4,768 [3]3,212 [4]
Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions22,430 21,881
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers22,430 [3]21,881 [4]
TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions19,266 19,026
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers19,266 [3]19,026 [4]
Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,281 2,319
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers2,281 [3]2,319 [4]
Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions883 536
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers883 [3]536 [4]
Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions41,322 44,458
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers41,322 [3]44,458 [4]
Personal trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions21,977 20,649
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers21,977 [3]20,649 [4]
Corporate trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions3,789 6,362
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers3,789 [3]6,362 [4]
Institutional trust & retirement plan services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,610 11,896
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers12,610 [3]11,896 [4]
Investment management services and other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,946 5,551
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers2,946 [3]5,551 [4]
Deposit service charges and fees [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions24,209 26,130
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers24,209 [3]26,130 [4]
Commercial account service charge revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions13,004 11,993
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers13,004 [3]11,993 [4]
Overdraft fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,680 7,278
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers4,680 [3]7,278 [4]
Check card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions5,327 5,229
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers5,327 [3]5,229 [4]
Automated service charge and other deposit fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions1,198 1,630
Fees and commission revenue not from contracts with customers0 [1]0 [2]
Fees and commissions revenue from contracts with customers1,198 [3]1,630 [4]
Mortgage banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions37,113 37,167
Fees and commission revenue not from contracts with customers37,113 [1]37,167 [2]
Fees and commissions revenue from contracts with customers0 [3]0 [4]
Mortgage production revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions25,287 21,569
Fees and commission revenue not from contracts with customers25,287 [1]21,569 [2]
Fees and commissions revenue from contracts with customers0 [3]0 [4]
Mortgage servicing revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions11,826 15,598
Fees and commission revenue not from contracts with customers11,826 [1]15,598 [2]
Fees and commissions revenue from contracts with customers0 [3]0 [4]
Other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions16,296 12,309
Fees and commission revenue not from contracts with customers13,143 [1]8,408 [2]
Fees and commissions revenue from contracts with customers3,153 [3]3,901 [4]
Operating Segments [Member] | Commercial [Member] | Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions49,847 41,459
Operating Segments [Member] | Commercial [Member] | Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions6,465 4,405
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 commissions4,207 2,525
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]
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 commissions2,258 1,880
Operating Segments [Member] | Commercial [Member] | Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions21,513 21,037
Operating Segments [Member] | Commercial [Member] | TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions18,443 18,212
Operating Segments [Member] | Commercial [Member] | Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,266 2,305
Operating Segments [Member] | Commercial [Member] | Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions804 520
Operating Segments [Member] | Commercial [Member] | Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Personal trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Corporate trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Institutional trust & retirement plan services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Investment management services and other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Deposit service charges and fees [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,040 11,317
Operating Segments [Member] | Commercial [Member] | Commercial account service charge revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions11,988 11,039
Operating Segments [Member] | Commercial [Member] | Overdraft fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions26 49
Operating Segments [Member] | Commercial [Member] | Check card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Automated service charge and other deposit fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions26 229
Operating Segments [Member] | Commercial [Member] | Mortgage banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Mortgage production revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Mortgage servicing revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Commercial [Member] | Other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions9,829 4,700
Operating Segments [Member] | Consumer [Member] | Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions52,300 55,062
Operating Segments [Member] | Consumer [Member] | Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Insurance brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions850 845
Operating Segments [Member] | Consumer [Member] | TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions834 831
Operating Segments [Member] | Consumer [Member] | Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions16 14
Operating Segments [Member] | Consumer [Member] | Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Personal trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Corporate trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Institutional trust & retirement plan services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Investment management services and other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Consumer [Member] | Deposit service charges and fees [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions11,546 14,230
Operating Segments [Member] | Consumer [Member] | Commercial account service charge revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions434 410
Operating Segments [Member] | Consumer [Member] | Overdraft fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,635 7,205
Operating Segments [Member] | Consumer [Member] | Check card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions5,327 5,229
Operating Segments [Member] | Consumer [Member] | Automated service charge and other deposit fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions1,150 1,386
Operating Segments [Member] | Consumer [Member] | Mortgage banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions37,564 37,611
Operating Segments [Member] | Consumer [Member] | Mortgage production revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions25,287 21,569
Operating Segments [Member] | Consumer [Member] | Mortgage servicing revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,277 16,042
Operating Segments [Member] | Consumer [Member] | Other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,340 2,376
Operating Segments [Member] | Wealth Management [Member] | Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions65,684 97,881
Operating Segments [Member] | Wealth Management [Member] | Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions16,232 45,811
Operating Segments [Member] | Wealth Management [Member] | Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions3,716 34,384
Operating Segments [Member] | Wealth Management [Member] | Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions91 135
Operating Segments [Member] | Wealth Management [Member] | Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,741 4,343
Operating Segments [Member] | Wealth Management [Member] | Insurance brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,916 3,789
Operating Segments [Member] | Wealth Management [Member] | Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions4,768 3,160
Operating Segments [Member] | Wealth Management [Member] | Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions15 (3)
Operating Segments [Member] | Wealth Management [Member] | TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(13)(19)
Operating Segments [Member] | Wealth Management [Member] | Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Wealth Management [Member] | Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions28 16
Operating Segments [Member] | Wealth Management [Member] | Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions41,279 44,499
Operating Segments [Member] | Wealth Management [Member] | Personal trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions21,977 20,649
Operating Segments [Member] | Wealth Management [Member] | Corporate trust revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions3,789 6,362
Operating Segments [Member] | Wealth Management [Member] | Institutional trust & retirement plan services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions12,610 11,896
Operating Segments [Member] | Wealth Management [Member] | Investment management services and other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2,903 5,592
Operating Segments [Member] | Wealth Management [Member] | Deposit service charges and fees [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions623 580
Operating Segments [Member] | Wealth Management [Member] | Commercial account service charge revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions581 545
Operating Segments [Member] | Wealth Management [Member] | Overdraft fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions19 22
Operating Segments [Member] | Wealth Management [Member] | Check card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Wealth Management [Member] | Automated service charge and other deposit fee revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions23 13
Operating Segments [Member] | Wealth Management [Member] | Mortgage banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage production revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Wealth Management [Member] | Mortgage servicing revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Operating Segments [Member] | Wealth Management [Member] | Other revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions7,535 6,994
Funds Management and Other [Member] | Fees and commissions revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(5,679)(1,678)
Funds Management and Other [Member] | Brokerage and trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(1,915)563
Funds Management and Other [Member] | Trading revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Funds Management and Other [Member] | Customer hedging revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(1,706)563
Funds Management and Other [Member] | Retail brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Funds Management and Other [Member] | Insurance brokerage revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions0 0
Funds Management and Other [Member] | Investment banking revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(209)0
Funds Management and Other [Member] | Transaction card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions52 2
Funds Management and Other [Member] | TransFund EFT network revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions2 2
Funds Management and Other [Member] | Merchant services revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions(1)0
Funds Management and Other [Member] | Corporate card revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions51 0
Funds Management and Other [Member] | Fiduciary and asset management revenue [Member]
Disaggregation of Revenue [Line Items]
Total fees and commissions43 (41)
Funds Management and Other [Member] | Personal trust revenue [Member]