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Dec 31, 2021

BOK Financial Q4 2021 Earnings Report

BOK Financial reported annual earnings and quarterly earnings, driven by its diversified business model and employee dedication.

Key Takeaways

BOK Financial Corporation reported net income of $117.3 million, or $1.71 per diluted share, for the fourth quarter of 2021. The results reflect a decrease compared to the previous quarter, influenced by reduced transaction activity and tighter margins in brokerage and trading revenues, as well as lower mortgage banking revenue.

Net income was $117.3 million, or $1.71 per diluted share.

Net interest revenue totaled $277.1 million, a decrease of $3.2 million.

Operating revenue totaled $157.4 million, a decrease of $72.4 million.

Period-end loans decreased $142 million to $20.2 billion.

Total Revenue
$435M
Previous year: $494M
-12.0%
EPS
$1.71
Previous year: $2.21
-22.6%
Efficiency Ratio
70.14%
Cash and Equivalents
$2.84B
Previous year: $1.18B
+140.3%
Total Assets
$50.2B
Previous year: $46.7B
+7.7%

BOK Financial

BOK Financial

BOK Financial Revenue by Segment

Forward Guidance

BOK Financial anticipates loan growth, strong asset quality, fundamental growth in wealth management, and is well-positioned for a rising rate environment in 2022.

Positive Outlook

  • Turned the corner on loan growth
  • Overall asset quality is better than pre-pandemic
  • Strong fundamental growth in assets under management in Wealth Management business
  • Well positioned for a rising rate environment
  • Deliver net interest revenue growth that will perform exceptionally well in the regional bank space