BOK Financial(BOKF) - 2022 Q4 - Earnings Call Transcript

Marc Maun As far as utilization rates go, I mean, focusing on the C&I side because CRE will go up naturally just from construction loans. But the C&I side, it's more just, I think, a reflection of our customers have been expanding commitments at a faster rate than they've been borrowing. And I think from their cash positions and liquidity positions, that they're going to expend some of that first before we start to see utilization rise. But we would expect that to continue as you progress through time. It's ...