| 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 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 values. 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): September 30, 2022 December 31, 2021 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,333,460 $ 10,198,556 $ 75,670 $ 13,607,686 $ 3,360,117 $ 9,072,244 $ 74,104 $ 12,506,465 Commercial real estate 888,066 3,577,874 7,971 4,473,911 929,015 2,888,048 14,262 3,831,325 Paycheck protection program 20,233 — — 20,233 276,341 — — 276,341 Loans to individuals 2,055,244 1,586,224 47,159 3,688,627 2,037,792 1,508,064 45,693 3,591,549 Total $ 6,297,003 $ 15,362,654 $ 130,800 $ 21,790,457 $ 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 September 30, 2022, outstanding commitments totaled $14.6 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 September 30, 2022, outstanding standby letters of credit totaled $725 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, for real property held as collateral for loans, 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 a 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 September 30, 2022 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 137,562 $ 62,997 $ — $ 40,555 $ 241,114 Provision for loan losses 3,158 (4,415) — 2,368 1,111 Loans charged off (75) — — (1,691) (1,766) Recoveries of loans previously charged off 721 7 — 581 1,309 Ending balance $ 141,366 $ 58,589 $ — $ 41,813 $ 241,768 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 15,839 $ 24,670 $ — $ 1,741 $ 42,250 Provision for off-balance sheet credit risk 939 12,826 — 295 14,060 Ending balance $ 16,778 $ 37,496 $ — $ 2,036 $ 56,310 Nine Months Ended September 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 (17,428) 138 — 8,276 (9,014) Loans charged off (6,162) (269) — (4,508) (10,939) Recoveries 2,900 167 — 2,233 5,300 Ending balance $ 141,366 $ 58,589 $ — $ 41,813 $ 241,768 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 2,966 20,054 — 313 23,333 Ending balance $ 16,778 $ 37,496 $ — $ 2,036 $ 56,310 Three Months Ended September 30, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Total Allowance for loan losses: Beginning balance $ 198,303 $ 70,540 $ — $ 43,047 $ 311,890 Provision for loan losses (15,996) (9,418) — (1,981) (27,395) Loans charged off (6,979) (1,422) — (1,183) (9,584) Recoveries of loans previously charged off 832 228 — 709 1,769 Ending balance $ 176,160 $ 59,928 $ — $ 40,592 $ 276,680 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 10,094 $ 12,348 $ — $ 1,845 $ 24,287 Provision for off-balance sheet credit risk 2,772 2,294 — (114) 4,952 Ending balance $ 12,866 $ 14,642 $ — $ 1,731 $ 29,239 Nine Months Ended September 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 (44,331) (24,579) — (5,319) (74,229) Loans charged off (38,826) (2,485) — (3,482) (44,793) Recoveries of loans previously charged off 4,383 434 — 2,245 7,062 Ending balance $ 176,160 $ 59,928 $ — $ 40,592 $ 276,680 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 (1,556) (5,929) — (197) (7,682) Ending balance $ 12,866 $ 14,642 $ — $ 1,731 $ 29,239 A $15.0 million provision for credit losses was necessary for the third quarter of 2022, primarily related to strong loan growth in loans and unfunded commitments during the quarter. The level of uncertainty in the current economic outlook increased, resulting in an increase in the probability weighting of the downside scenario and key economic factors were slightly less favorable to economic growth across all scenarios. These changes were offset by a decrease in expected losses on commercial real estate, energy, healthcare and services loans and continued improvement in credit quality metrics. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at September 30, 2022 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 13,532,016 $ 125,253 $ 75,670 $ 16,113 $ 13,607,686 $ 141,366 Commercial real estate 4,465,940 57,654 7,971 935 4,473,911 58,589 Paycheck protection program 20,233 — — — 20,233 — Loans to individuals 3,641,468 41,813 47,159 — 3,688,627 41,813 Total $ 21,659,657 $ 224,720 $ 130,800 $ 17,048 $ 21,790,457 $ 241,768 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 identifies 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 September 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 $ 165,547 $ 87,788 $ 31,140 $ 13,509 $ 6,153 $ 5,091 $ 3,023,546 $ — $ 3,332,774 Accruing Substandard — — — 1,046 482 688 22,909 9,525 34,650 Nonaccrual — — — — — 292 3,872 — 4,164 Total energy 165,547 87,788 31,140 14,555 6,635 6,071 3,050,327 9,525 3,371,588 Healthcare Pass 734,327 603,595 515,393 462,765 464,154 748,312 229,326 22 3,757,894 Special Mention — — — — — 20,452 4 — 20,456 Accruing Substandard — — — — — 6,835 — — 6,835 Nonaccrual — — — 26,652 6,488 8,298 — — 41,438 Total healthcare 734,327 603,595 515,393 489,417 470,642 783,897 229,330 22 3,826,623 Services Pass 600,374 512,773 300,490 199,238 161,527 754,204 689,197 683 3,218,486 Special Mention 313 396 295 769 940 39 999 — 3,751 Accruing Substandard — — — 2,636 50 2,867 25,666 154 31,373 Nonaccrual — 2,172 — — — 4,059 21,084 — 27,315 Total services 600,687 515,341 300,785 202,643 162,517 761,169 736,946 837 3,280,925 General business Pass 579,329 433,284 205,796 197,961 143,995 306,131 1,227,059 1,883 3,095,438 Special Mention — 878 — — 1,889 1,153 8,314 — 12,234 Accruing Substandard — 2,024 75 4,269 2,365 9,265 88 39 18,125 Nonaccrual — — 1,073 14 953 7 677 29 2,753 Total general business 579,329 436,186 206,944 202,244 149,202 316,556 1,236,138 1,951 3,128,550 Total commercial 2,079,890 1,642,910 1,054,262 908,859 788,996 1,867,693 5,252,741 12,335 13,607,686 Commercial real estate: Pass 854,039 1,146,736 616,509 717,579 276,614 686,543 138,168 — 4,436,188 Special Mention — — — — — 26,652 — — 26,652 Accruing Substandard — — — — — 3,100 — — 3,100 Nonaccrual — — — 7,571 — 400 — — 7,971 Total commercial real estate 854,039 1,146,736 616,509 725,150 276,614 716,695 138,168 — 4,473,911 Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass — 9,042 11,191 — — — — — 20,233 Total paycheck protection program — 9,042 11,191 — — — — — 20,233 Loans to individuals: Residential mortgage Pass 280,323 376,110 402,088 67,906 42,603 278,129 350,036 23,185 1,820,380 Special Mention — 59 189 16 11 261 629 37 1,202 Accruing Substandard — — — 17 — 81 51 39 188 Nonaccrual 33 1,557 2,750 358 1,936 20,564 2,049 819 30,066 Total residential mortgage 280,356 377,726 405,027 68,297 44,550 299,035 352,765 24,080 1,851,836 Residential mortgage guaranteed by U.S. government agencies Pass — 2,235 8,876 11,995 18,851 203,552 — — 245,509 Nonaccrual — — 299 1,467 2,631 12,560 — — 16,957 Total residential mortgage guaranteed by U.S. government agencies — 2,235 9,175 13,462 21,482 216,112 — — 262,466 Personal: Pass 181,102 208,625 156,718 170,232 71,133 206,780 578,456 357 1,573,403 Special Mention 26 129 25 6 12 4 1 — 203 Accruing Substandard — 423 — 160 — — — — 583 Nonaccrual 10 37 14 23 7 20 25 — 136 Total personal 181,138 209,214 156,757 170,421 71,152 206,804 578,482 357 1,574,325 Total loans to individuals 461,494 589,175 570,959 252,180 137,184 721,951 931,247 24,437 3,688,627 Total loans $ 3,395,423 $ 3,387,863 $ 2,252,921 $ 1,886,189 $ 1,202,794 $ 3,306,339 $ 6,322,156 $ 36,772 $ 21,790,457 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 September 30, 2022 follows (in thousands): As of September 30, 2022 Total With No With Allowance Related Allowance Commercial: Energy $ 4,164 $ 4,164 $ — $ — Healthcare 41,438 34,951 6,487 946 Services 27,315 1,307 26,008 15,167 General business 2,753 2,753 — — Total commercial 75,670 43,175 32,495 16,113 Commercial real estate 7,971 400 7,571 935 Loans to individuals: Residential mortgage 30,066 30,066 — — Residential mortgage guaranteed by U.S. government agencies 16,957 16,957 — — Personal 136 136 — — Total loans to individuals 47,159 47,159 — — Total $ 130,800 $ 90,734 $ 40,066 $ 17,048 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 $ |
