| 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. 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): June 30, 2022 December 31, 2021 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,410,376 $ 10,113,713 $ 54,608 $ 13,578,697 $ 3,360,117 $ 9,072,244 $ 74,104 $ 12,506,465 Commercial real estate 874,850 3,220,359 10,939 4,106,148 929,015 2,888,048 14,262 3,831,325 Paycheck protection program 43,140 — — 43,140 276,341 — — 276,341 Loans to individuals 2,011,043 1,503,528 48,592 3,563,163 2,037,792 1,508,064 45,693 3,591,549 Total $ 6,339,409 $ 14,837,600 $ 114,139 $ 21,291,148 $ 6,603,265 $ 13,468,356 $ 134,059 $ 20,205,680 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 June 30, 2022, outstanding commitments totaled $13.5 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 June 30, 2022, outstanding standby letters of credit totaled $701 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 June 30, 2022 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 151,448 $ 58,974 $ — $ 36,051 $ 246,473 Provision for loan losses (15,468) 4,085 — 5,225 (6,158) Loans charged off (6) (78) — (1,284) (1,368) Recoveries of loans previously charged off 1,588 16 — 563 2,167 Ending Balance $ 137,562 $ 62,997 $ — $ 40,555 $ 241,114 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 13,966 $ 20,465 $ — $ 1,814 $ 36,245 Provision for off-balance sheet credit risk 1,873 4,205 — (73) 6,005 Ending Balance $ 15,839 $ 24,670 $ — $ 1,741 $ 42,250 Six Months Ended June 30, 2022 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 162,056 $ 58,553 $ — $ 35,812 $ 256,421 Provision for loan losses (20,586) 4,553 — 5,908 (10,125) Loans charged off (6,087) (269) — (2,817) (9,173) Recoveries 2,179 160 — 1,652 3,991 Ending balance $ 137,562 $ 62,997 $ — $ 40,555 $ 241,114 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 13,812 $ 17,442 $ — $ 1,723 $ 32,977 Provision for off-balance sheet credit losses 2,027 7,228 — 18 9,273 Ending balance $ 15,839 $ 24,670 $ — $ 1,741 $ 42,250 Three Months Ended June 30, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 231,372 $ 81,746 $ — $ 39,284 $ 352,402 Provision for loan losses (18,442) (10,582) — 3,960 (25,064) Loans charged off (16,502) (800) — (1,002) (18,304) Recoveries of loans previously charged off 1,875 176 — 805 2,856 Ending Balance $ 198,303 $ 70,540 $ — $ 43,047 $ 311,890 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 12,736 $ 18,298 $ — $ 1,843 $ 32,877 Provision for off-balance sheet credit risk (2,642) (5,950) — 2 (8,590) Ending Balance $ 10,094 $ 12,348 $ — $ 1,845 $ 24,287 Six Months Ended June 30, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 254,934 $ 86,558 $ — $ 47,148 $ 388,640 Provision for loan losses (28,335) (15,161) — (3,338) (46,834) Loans charged off (31,847) (1,063) — (2,299) (35,209) Recoveries of loans previously charged off 3,551 206 — 1,536 5,293 Ending Balance $ 198,303 $ 70,540 $ — $ 43,047 $ 311,890 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 (4,328) (8,223) — (83) (12,634) Ending Balance $ 10,094 $ 12,348 $ — $ 1,845 $ 24,287 Changes in our reasonable and supportable forecasts of macroeconomic variables resulted in a $305 thousand provision for credit losses related to lending activities during the second quarter of 2022. An increase in required provision due to loan growth and changes in our economic outlook was offset by a sustained trend of improving credit quality metrics. Changes in the loan portfolio characteristics, including specific impairment and losses, loan balances, risk grading and changes in payment profile resulted in a $458 thousand negative provision for credit losses related to lending activities. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at June 30, 2022 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 13,524,089 $ 135,209 $ 54,608 $ 2,353 $ 13,578,697 $ 137,562 Commercial real estate 4,095,209 62,062 10,939 935 4,106,148 62,997 Paycheck protection program 43,140 — — — 43,140 — Loans to individuals 3,514,571 40,555 48,592 — 3,563,163 40,555 Total $ 21,177,009 $ 237,826 $ 114,139 $ 3,288 $ 21,291,148 $ 241,114 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2021 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,432,361 $ 158,063 $ 74,104 $ 3,993 $ 12,506,465 $ 162,056 Commercial real estate 3,817,063 56,204 14,262 2,349 3,831,325 58,553 Paycheck protection program 276,341 — — — 276,341 — Loans to individuals 3,545,856 35,812 45,693 — 3,591,549 35,812 Total $ 20,071,621 $ 250,079 $ 134,059 $ 6,342 $ 20,205,680 $ 256,421 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 June 30, 2022 by the risk grade categories and vintage (in thousands): Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 109,094 $ 126,603 $ 34,298 $ 14,287 $ 7,490 $ 8,606 $ 3,027,640 $ 6,661 $ 3,334,679 Accruing Substandard — — — 1,093 501 695 25,655 9,525 37,469 Nonaccrual — — 16,310 — — 472 4,142 — 20,924 Total energy 109,094 126,603 50,608 15,380 7,991 9,773 3,057,437 16,186 3,393,072 Healthcare Pass 516,924 607,642 533,637 504,011 462,368 839,735 174,439 24 3,638,780 Special Mention — — — 9,515 — — 5 — 9,520 Accruing Substandard — — — 26,816 — 6,962 — — 33,778 Nonaccrual — — — — 6,533 8,352 — — 14,885 Total healthcare 516,924 607,642 533,637 540,342 468,901 855,049 174,444 24 3,696,963 Services Pass 307,329 604,668 324,439 245,344 187,252 892,138 778,201 746 3,340,117 Special Mention 330 432 410 822 985 86 21,900 168 25,133 Accruing Substandard — — 384 3,837 57 2,909 33,797 — 40,984 Nonaccrual — — 234 — — 14,899 126 — 15,259 Total services 307,659 605,100 325,467 250,003 188,294 910,032 834,024 914 3,421,493 General business Pass 416,644 480,471 199,287 219,367 162,518 309,630 1,234,314 1,885 3,024,116 Special Mention — 937 — 9,355 29 6,137 8,446 — 24,904 Accruing Substandard — — 115 605 4,743 9,028 119 — 14,610 Nonaccrual — — 1,093 736 979 16 709 6 3,539 Total general business 416,644 481,408 200,495 230,063 168,269 324,811 1,243,588 1,891 3,067,169 Total commercial 1,350,321 1,820,753 1,110,207 1,035,788 833,455 2,099,665 5,309,493 19,015 13,578,697 Commercial real estate: Pass 450,221 1,084,348 633,124 747,272 310,651 736,285 112,717 — 4,074,618 Special Mention — — — — — 17,478 — — 17,478 Accruing Substandard — — — — — 3,113 — — 3,113 Nonaccrual — — — 7,739 — 3,200 — — 10,939 Total commercial real estate 450,221 1,084,348 633,124 755,011 310,651 760,076 112,717 — 4,106,148 Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass — 30,389 12,751 — — — — — 43,140 Total paycheck protection program — 30,389 12,751 — — — — — 43,140 Loans to individuals: Residential mortgage Pass 181,189 386,210 410,339 70,161 43,769 297,196 341,992 22,409 1,753,265 Special Mention — 60 — 17 166 329 238 — 810 Accruing Substandard — — — 34 — 131 29 — 194 Nonaccrual 34 1,509 2,519 356 1,995 21,180 2,059 808 30,460 Total residential mortgage 181,223 387,779 412,858 70,568 45,930 318,836 344,318 23,217 1,784,729 Residential mortgage guaranteed by U.S. government agencies Pass — 2,218 10,722 14,035 21,325 227,538 — — 275,838 Nonaccrual — — 431 2,087 2,295 13,187 — — 18,000 Total residential mortgage guaranteed by U.S. government agencies — 2,218 11,153 16,122 23,620 240,725 — — 293,838 Personal: Pass 90,206 215,139 170,635 172,046 70,564 211,023 553,611 486 1,483,710 Special Mention 5 34 43 6 16 46 — — 150 Accruing Substandard 8 433 — 160 — — 3 — 604 Nonaccrual — 31 17 26 11 23 24 — 132 Total personal 90,219 215,637 170,695 172,238 70,591 211,092 553,638 486 1,484,596 Total loans to individuals 271,442 605,634 594,706 258,928 140,141 770,653 897,956 23,703 3,563,163 Total loans $ 2,071,984 $ 3,541,124 $ 2,350,788 $ 2,049,727 $ 1,284,247 $ 3,630,394 $ 6,320,166 $ 42,718 $ 21,291,148 The following table summarizes the Company’s loan portfolio at December 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 $ 252,133 $ 29,556 $ 15,914 $ 13,548 $ 4,741 $ 6,765 $ 2,540,525 $ — $ 2,863,182 Special Mention 558 771 — — — — 750 — 2,079 Accruing Substandard 10,650 22,611 1,185 814 — 716 74,556 — 110,532 Nonaccrual — 20,487 — — — 714 9,890 — 31,091 Total energy 263,341 73,425 17,099 14,362 4,741 8,195 2,625,721 — 3,006,884 Healthcare Pass 563,800 589,193 516,558 498,998 319,096 688,136 160,154 26 3,335,961 Special Mention 6,835 — 15,583 — 11,135 — 5 — 33,558 Accruing Substandard — — 27,135 543 — 1,981 — — 29,659 Nonaccrual — — — 6,542 — 8,711 509 — 15,762 Total healthcare 570,635 589,193 559,276 506,083 330,231 698,828 160,668 26 3,414,940 Services Pass 696,149 405,057 289,375 275,010 225,404 795,029 607,958 375 3,294,357 Special Mention 434 405 1,830 1,047 3,290 47 17,210 192 24,455 Accruing Substandard 43 530 4,166 10,714 1,785 2,366 11,607 — 31,211 Nonaccrual — — — 230 13,918 2,519 503 — 17,170 Total services 696,626 405,992 295,371 287,001 244,397 799,961 637,278 567 3,367,193 General business Pass 584,438 211,892 264,462 177,384 168,977 215,014 1,047,420 2,284 2,671,871 Special Mention 218 223 60 1,435 3,842 — 5,875 — 11,653 Accruing Substandard 265 1,066 1,634 7,697 8,336 3,024 1,821 — 23,843 Nonaccrual — 2,444 4,562 1,046 762 518 730 19 10,081 Total general business 584,921 215,625 270,718 187,562 181,917 218,556 1,055,846 2,303 2,717,448 Total commercial 2,115,523 1,284,235 1,142,464 995,008 761,286 1,725,540 4,479,513 2,896 12,506,465 Commercial real estate: Pass 717,400 711,231 871,283 403,115 279,058 664,684 117,847 31 3,764,649 Special Mention — — — 6,660 10,898 9,244 — — 26,802 Accruing Substandard — — — 13,352 4,480 7,780 — — 25,612 Nonaccrual — — 8,076 — — 6,186 — — 14,262 Total commercial real estate 717,400 711,231 879,359 423,127 294,436 687,894 117,847 31 3,831,325 Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 237,357 38,984 — — — — — — 276,341 Total paycheck protection program 237,357 38,984 — — — — — — 276,341 Loans to individuals: Residential mortgage Pass 386,092 452,537 84,001 60,390 68,150 295,632 320,638 21,463 1,688,903 Special Mention — — 156 — 19 411 282 159 1,027 Accruing Substandard 98 — — — 127 41 400 — 666 Nonaccrual 1,516 1,809 383 1,968 629 22,289 2,177 803 31,574 Total residential mortgage 387,706 454,346 84,540 62,358 68,925 318,373 323,497 22,425 1,722,170 Residential mortgage guaranteed by U.S. government agencies Pass 699 11,380 20,650 27,970 32,742 246,871 — — 340,312 Nonaccrual — — 1,259 821 635 11,146 — — 13,861 Total residential mortgage guaranteed by U.S. government agencies 699 11,380 21,909 28,791 33,377 258,017 — — 354,173 Personal: Pass 218,960 180,577 177,389 70,249 92,592 135,041 638,713 728 1,514,249 Special Mention — 9 34 3 — 47 — — 93 Accruing Substandard 435 5 165 — — 1 — — 606 Nonaccrual 110 14 10 24 35 40 25 — 258 Total personal 219,505 180,605 177,598 70,276 92,627 135,129 638,738 728 1,515,206 Total loans to individuals 607,910 646,331 284,047 161,425 194,929 711,519 962,235 23,153 3,591,549 Total loans $ 3,678,190 $ 2,680,781 $ 2,305,870 $ 1,579,560 $ 1,250,651 $ 3,124,953 $ 5,559,595 $ 26,080 $ 20,205,680 Nonaccruing Loans A summary of nonaccruing loans at June 30, 2022 follows (in thousands): As of June 30, 2022 Total With No With Allowance Related Allowance Commercial: Energy $ 20,924 $ 20,924 $ — $ — Healthcare 14,886 8,353 6,533 946 Services 15,259 11,798 3,461 1,407 General business 3,539 3,539 — — Total commercial 54,608 44,614 9,994 2,353 Commercial real estate 10,939 3,200 7,739 935 Loans to individuals: Residential mortgage 30,460 30,460 — — Residential mortgage guaranteed by U.S. government agencies 18,000 18,000 — — Personal 132 132 — — Total loans to individuals 48,592 48,592 — — Total $ 114,139 $ 96,406 $ 17,733 $ 3,288 A summary of nonaccruing loans at December 31, 2021 follows (in thousands): As of December 31, 2021 Total With No With Allowance Related Allowance Commercial: Energy $ 31,091 $ 31,091 $ — $ — Healthcare 15,762 9,679 6,083 53 Services 17,170 13,686 3,484 2,584 General business 10,081 7,690 2,391 1,357 Total commercial 74,104 62,146 11,958 3,994 Commercial real estate 14,262 6,186 8,076 2,349 Loans to individuals: Residential mortgage 31,574 31,574 — — Residential mortgage guaranteed by U.S. government agencies 13,861 13,861 — — Personal 258 258 — — Total loans to individuals 45,693 45,693 — — Total $ 134,059 $ 114,025 $ 20,034 $ 6,343 Troubled Debt Re |
