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Section 1: 10-Q (10-Q)

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________
COMMISSION FILE NUMBER 001-12307
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
(Exact name of registrant as specified in its charter)

United States of America
87-0189025
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
One South Main
Salt Lake City, Utah
84133-1109 
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (801) 844-7637
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading SymbolName of Each Exchange on Which Registered
Common Stock, par value $0.001
ZIONThe NASDAQ Stock Market LLC
Warrants to Purchase Common Stock (expiring May 22, 2020)
ZIONW
The NASDAQ Stock Market LLC
Depositary Shares each representing a 1/40th ownership interest in a share of:
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZB/A
New York Stock Exchange
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZB/G
New York Stock Exchange
Series H 5.75% Non-Cumulative Perpetual Preferred Stock
ZB/H
New York Stock Exchange
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
ZBK
New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ¨ Non-accelerated filer ¨ Smaller reporting company Emerging growth company ¨
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Number of common shares outstanding at July 31, 2019      176,962,996 shares
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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
PART I. FINANCIAL INFORMATION
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
FORWARD-LOOKING INFORMATION
This Quarterly Report on Form 10-Q includes "forward-looking statements" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements, market trends, industry results or regulatory outcomes to differ materially from those expressed or implied by such forward-looking statements. Forward-looking statements include, among others:
statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Bancorporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and
statements preceded by, followed by, or that include the words “may,” "might," "can," “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” "will," and the negative thereof and similar words and expressions.
Zions Bancorporation, National Association is the successor to Zions Bancorporation by merger of Zions Bancorporation into ZB, N.A. on September 30, 2018. References to “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” and “us” are intended to refer to Zions Bancorporation and its subsidiaries for periods prior to the merger and to Zions Bancorporation, National Association, and its subsidiaries for periods on and after the merger.
These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date. Forward-looking statements by their nature address matters that are, to different degrees, uncertain, such as statements about future financial and operating results. Actual results and outcomes may differ materially from those presented, either expressed or implied, including, but not limited to, those presented in Management’s Discussion and Analysis. Important risk factors that may cause such material differences include, but are not limited to:
the Bank’s ability to successfully execute its business plans, manage its risks, and achieve its objectives, including its operating leverage;
the impact of acquisitions, dispositions, and corporate restructurings;
increases in the levels of losses, customer bankruptcies, bank failures, claims, and assessments;
the ability of the Bank to retain and recruit executives and other personnel necessary for their businesses and competitiveness;
changes in local, national and international political and economic conditions, including without limitation the political and economic effects of the fiscal imbalance in the United States (“U.S.”) and other countries, potential or actual downgrades in ratings of sovereign debt issued by the United States and other countries, and other major developments, including wars, military actions, and terrorist attacks;
changes in financial and commodity market prices and conditions, either internationally, nationally or locally in areas in which the Bank conducts its operations, including without limitation rates of business formation and growth, commercial and residential real estate development, real estate prices, agricultural-related commodity prices, and oil and gas-related commodity prices;
changes in markets for equity, fixed income, commercial paper and other securities, commodities, including availability, market liquidity levels, and pricing;
changes in interest rates, the quality and composition of the loan and securities portfolios, demand for loan products, deposit flows and competition;
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uncertainty regarding the future of the London Interbank Offered Rate ("LIBOR"), and the potential transition away from LIBOR toward new interest rate benchmarks;
the rate of change of the Bank’s interest-sensitive assets and liabilities relative to changes in benchmark interest rates;
changes in fiscal, monetary, regulatory, trade and tax policies and laws, and regulatory assessments and fees, including policies of the U.S. Department of Treasury, the Office of the Comptroller of the Currency (“OCC”), the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (“FDIC”), the Securities and Exchange Commission (“SEC”), and the Consumer Financial Protection Bureau (“CFPB”);
changes in consumer spending and savings habits;
inflation and deflation;
increased competitive challenges and expanding product and pricing pressures among financial institutions;
legislation or regulatory changes which adversely affect the Bank’s operations or business;
the Bank’s ability to comply with applicable laws and regulations;
costs of deposit insurance and changes with respect to FDIC insurance coverage levels;
any impairment of our goodwill or other intangibles, or any adjustment of valuation allowances on our deferred tax assets (“DTAs”) due to adverse changes in the economic environment, declining operations of the reporting unit, or a change to the corporate statutory tax rate or other similar changes if and as implemented by local and national governments, or other factors;
the impact of rules and regulations on our required regulatory capital and liquidity levels, governmental assessments on us, the scope of business activities in which we may engage, the manner in which we engage in such activities, and the fees we may charge for certain products and services;
uncertainties related to the application of the National Bank Act of 1863, 12 U.S.C. 38 (the “National Bank Act”) and OCC regulations to the Bank’s corporate affairs as more fully described under “Risk Factors” in our 2018 Annual Report on Form 10-K;
changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (“FASB”) or regulatory agencies;
risks and uncertainties related to the ability to obtain shareholder and regulatory approvals when required, or the possibility that such approvals may be delayed;
new legal claims against the Bank, including litigation, arbitration and proceedings brought by governmental or self-regulatory agencies, or changes in existing legal matters;
economies of scale attendant to the development of digital and other technologies by much larger bank and non-bank competitors, and the possible entry of technology “platform” companies into the financial services business;
the Bank’s ability to develop and maintain secure and reliable information technology systems, including as necessary to guard against fraud, cybersecurity and privacy risks; and
the Bank’s implementation of new technologies.
Except to the extent required by law, the Bank specifically disclaims any obligation to update any factors or to publicly announce the result of revisions to any of the forward-looking statements included herein to reflect future events or developments.
GLOSSARY OF ACRONYMS
ACLAllowance for Credit LossesAOCIAccumulated Other Comprehensive Income
AFSAvailable-for-SaleASCAccounting Standards Codification
ALCOAsset/Liability CommitteeASUAccounting Standards Update
ALLLAllowance for Loan and Lease LossesATMAutomated Teller Machine
AmegyAmegy Bank, a division of Zions Bancorporation, National Associationbpsbasis points
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CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationNMNot Meaningful
CFPBConsumer Financial Protection BureauNSBNevada State Bank, a division of Zions Bancorporation, National Association
CLTVCombined Loan-to-Value RatioOCCOffice of the Comptroller of the Currency
COSOCommittee of Sponsoring Organizations of the Treadway CommissionOCIOther Comprehensive Income
CRECommercial Real EstateOREOOther Real Estate Owned
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection ActOTTIOther-Than-Temporary Impairment
DTADeferred Tax AssetPAGAPrivate Attorney General Act
EaREarnings at RiskPEIPrivate Equity Investment
ERMEnterprise Risk ManagementPPNRPre-provision Net Revenue
EVEEconomic Value of Equity at RiskROCRisk Oversight Committee
FASBFinancial Accounting Standards BoardROURight-of-Use
FDICFederal Deposit Insurance CorporationRULCReserve for Unfunded Lending Commitments
FDICIAFederal Deposit Insurance Corporation Improvement ActS&PStandard and Poor's
FHLBFederal Home Loan BankSBASmall Business Administration
FTPFunds Transfer PricingSBICSmall Business Investment Company
GAAPGenerally Accepted Accounting PrinciplesSECSecurities and Exchange Commission
HECLHome Equity Credit LineTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
HTMHeld-to-MaturityTDRTroubled Debt Restructuring
IMGInternational Manufacturing GroupTier 1Common Equity Tier 1 (Basel III)
LIBORLondon Interbank Offered RateTopic 842ASU 2016-02, “Leases”
MunicipalitiesState and Local GovernmentsU.S.United States
NASDAQNational Association of Securities Dealers Automated QuotationsVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
NBAZNational Bank of Arizona, a division of Zions Bancorporation, National AssociationZions Bancorporation, N.A.Zions Bancorporation, National Association
NIMNet Interest MarginZions BankZions Bank, a division of Zions Bancorporation, National Association
CRITICAL ACCOUNTING POLICIES AND SIGNIFICANT ESTIMATES
The Bank has made no significant changes in its critical accounting policies and significant estimates from those disclosed in its 2018 Annual Report on Form 10-K.
Accounting and Reporting Developments
In June 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-13, Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This new standard, including subsequent updates, significantly changes how entities will measure credit losses for virtually all financial assets. The standard replaces today’s “incurred loss” approach with an “expected loss” model for instruments such as loans and held-to-maturity (“HTM”) securities that are measured at amortized cost. The standard requires credit losses relating to available-for-sale (“AFS”) debt securities to be recorded through an allowance rather than a reduction of the carrying amount and replaces the historically required other-than-temporary impairment (“OTTI”) analysis. It also changes the accounting for purchased credit-impaired debt securities and loans. The standard retains many of the current disclosure requirements in U.S. generally accepted accounting principles (“GAAP”) and expands other disclosure requirements. The new guidance is effective for calendar year-end public companies beginning January 1, 2020.
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Our implementation team, led jointly by our internal Credit, Treasury, and Accounting groups, has developed models to meet the new standard. We continue to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, finalizing the qualitative allowance process, and developing disclosures.
Based upon our modeling-to-date, we expect more volatility in the credit loss estimate and less comparability among banks when this new standard becomes effective. Comparability will be impacted by, among other items, varying expectations for macroeconomic trends over the near term and loan portfolio composition differences, including expected loan lives. The impact at adoption of this standard is dependent upon the nature and characteristics of our assets in scope of the guidance, macroeconomic conditions and forecasts, as well as other management judgments.
GAAP to NON-GAAP RECONCILIATIONS
This Form 10-Q presents non-GAAP financial measures, in addition to GAAP financial measures, to provide investors with additional information. The adjustments to reconcile from the applicable GAAP financial measures to the non-GAAP financial measures are presented in the following schedules. The Bank considers these adjustments to be relevant to ongoing operating results and provide a meaningful base for period-to-period and company-to-company comparisons. These non-GAAP financial measures are used by management to assess the performance and financial position of the Bank and for presentations of Bank performance to investors. The Bank further believes that presenting these non-GAAP financial measures will permit investors to assess the performance of the Bank on the same basis as that applied by management.
Non-GAAP financial measures have inherent limitations, and are not required to be uniformly applied by individual entities. Although non-GAAP financial measures are frequently used by stakeholders to evaluate a company, they have limitations as an analytical tool and should not be considered in isolation or as a substitute for analysis of results reported under GAAP.
The following are non-GAAP financial measures presented in this Form 10-Q and a discussion of the reasons for which management uses these non-GAAP measures:
Return on Average Tangible Common Equity – this schedule also includes “net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax” and “average tangible common equity.” Return on average tangible common equity is a non-GAAP financial measure that management believes provides useful information to management and others about the Bank’s use of shareholders’ equity. Management believes the use of ratios that utilize tangible equity provides additional useful information because they present measures of those assets that can generate income.
RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)
Three Months Ended
(Dollar amounts in millions)June 30,
2019
March 31,
2019
December 31,
2018
June 30,
2018
Net earnings applicable to common shareholders (GAAP)
$189 $205 $217 $187 
Adjustment, net of tax:
Amortization of core deposit and other intangibles— — — — 
Net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax (non-GAAP)
(a) $189 $205 $217 $187 
Average common equity (GAAP)$6,988 $7,005 $6,938 $7,072 
Average goodwill and intangibles(1,014)(1,014)(1,015)(1,016)
Average tangible common equity (non-GAAP)(b) $5,974 $5,991 $5,923 $6,056 
Number of days in quarter(c) 91 90 92 91 
Number of days in year(d) 365 365 365 365 
Return on average tangible common equity (non-GAAP)
(a/b/c)*d  12.7 %13.9 %14.5 %12.4 %
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Tangible Equity Ratio, Tangible Common Equity Ratio, and Tangible Book Value per Common Share – this schedule also includes “tangible equity,” “tangible common equity,” and “tangible assets.” Tangible equity ratio, tangible common equity ratio, and tangible book value per common share are non-GAAP financial measures that management believes provides additional useful information about the levels of tangible assets and tangible equity between each other and in relation to outstanding shares of common stock. Management believes the use of ratios that utilize tangible equity provides additional useful information to management and others about capital adequacy because they present measures of those assets that can generate income.
TANGIBLE EQUITY RATIO, TANGIBLE COMMON EQUITY RATIO, AND TANGIBLE BOOK VALUE PER COMMON SHARE (ALL NON-GAAP MEASURES)
(Dollar amounts in millions, except per share amounts)June 30,
2019
March 31,
2019
December 31,
2018
June 30,
2018
Total shareholders’ equity (GAAP)$7,599 $7,588 $7,578 $7,621 
Goodwill and intangible(1,014)(1,014)(1,015)(1,015)
Tangible equity (non-GAAP)(a) 6,585 6,574 6,563 6,606 
Preferred stock(566)(566)(566)(566)
Tangible common equity (non-GAAP)(b) $6,019 $6,008 $5,997 $6,040 
Total assets (GAAP)$70,065 $69,195 $68,746 $66,457 
Goodwill and intangible(1,014)(1,014)(1,015)(1,015)
Tangible assets (non-GAAP)(c) $69,051 $68,181 $67,731 $65,442 
Common shares outstanding (thousands)(d)  176,935 182,513 187,554 195,392 
Tangible equity ratio (non-GAAP)(a/c)  9.54 %9.64 %9.69 %10.09 %
Tangible common equity ratio (non-GAAP)(b/c)  8.72 %8.81 %8.85 %9.23 %
Tangible book value per common share (non-GAAP)(b/d)  $34.02 $32.92 $31.97 $30.91 
Efficiency Ratio and Adjusted Pre-Provision Net Revenue – this schedule also includes “adjusted noninterest expense,” “taxable-equivalent net interest income,” “adjusted taxable-equivalent revenue,” “pre-provision net revenue (“PPNR”),” and “adjusted PPNR.” The methodology of determining the efficiency ratio may differ among companies. Management makes adjustments to exclude certain items as identified in the subsequent schedule which it believes allows for more consistent comparability among periods. Management believes the efficiency ratio provides useful information regarding the cost of generating revenue. Adjusted noninterest expense provides a measure as to how well the Bank is managing its expenses, and adjusted PPNR enables management and others to assess the Bank’s ability to generate capital to cover credit losses through a credit cycle. Taxable-equivalent net interest income allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)
Three Months EndedSix Months EndedYear Ended
(Dollar amounts in millions)June 30,
2019
March 31,
2019
June 30,
2018
June 30,
2019
June 30,
2018
December 31,
2018
Efficiency Ratio
Noninterest expense (GAAP)(a) $424 $430 $421 $854 $840 $1,679 
Adjustments:
Severance costs
— (1)
Other real estate expense, net
— (1)— (1)
Amortization of core deposit and other intangibles
— — — 
Restructuring costs
— — — — — 
Total adjustments
(b) (1)
Adjusted noninterest expense (non-GAAP)
(a-b)=(c)$423 $431 $420 $853 $839 $1,672 
Net interest income (GAAP)(d) $569 $576 $548 $1,145 $1,090 $2,230 
Fully taxable-equivalent adjustments
(e) 13 10 22 
Taxable-equivalent net interest income (non-GAAP)1
(d+e)=f 576 582 553 1,158 1,100 2,252 
Noninterest income (GAAP)132 132 138 264 276 552 
Combined income (non-GAAP)
(f+g)=(h) 708 714 691 1,422 1,376 2,804 
Adjustments:
Fair value and nonhedge derivative income (loss)
(6)(3)— (8)(1)
Securities gains (losses), net
(3)(2)
Total adjustments
(i) (9)(2)(10)— 
Adjusted taxable-equivalent revenue (non-GAAP)
(h-i)=(j)$717 $716 $690 $1,432 $1,373 $2,804 
Pre-provision net revenue (PPNR) (non-GAAP)
(h)-(a)$284 $284 $270 $568 $536 $1,125 
Adjusted PPNR (non-GAAP)(j-c)=(k)294 285 270 579 534 1,132 
Efficiency ratio (non-GAAP)(c/j)  59.0 %60.2 %60.9 %59.6 %61.1 %59.6 %

Adjusted Pre-Provision Net Revenue per Diluted Common Share – this schedule uses “adjusted PPNR” as calculated in the efficiency ratio, which is divided by the weighted average diluted common shares for the period. As mentioned previously, Management believes that adjusted PPNR enables management and others to assess the Bank’s ability to generate capital to cover credit losses through a credit cycle. Dividing this amount by the weighted average diluted common shares outstanding provides a shareholder’s perspective of PPNR growth.
Three Months EndedSix Months EndedYear Ended
(Dollar amounts in millions)June 30,
2019
March 31,
2019
June 30,
2018
June 30,
2019
June 30,
2018
December 31,
2018
Adjusted PPNR per diluted common share
Adjusted PPNR (non-GAAP)(k)  $294 $285 $270 $579 $534 $1,132 
Weighted average diluted common shares outstanding (in thousands)
(l)  189,098 195,241 209,247 192,206 209,859 206,501 
Adjusted PPNR per diluted common share (non-GAAP)
(k)/(l)  $1.55 $1.46 $1.29 $3.01 $2.54 $5.48 

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
RESULTS OF OPERATIONS
Executive Summary
The Bank reported net earnings applicable to common shareholders of $189 million, or $0.99 per diluted common share for the second quarter of 2019, compared with net earnings applicable to common shareholders of $187 million, or $0.89 per diluted common share for the second quarter of 2018. The improvement in diluted earnings per common share was primarily due to a reduction in diluted shares, resulting largely from common our share repurchases. The financial performance in the second quarter of 2019 reflects strong loan growth, moderate customer-related fee improvement, expense control, and stable credit quality, partially offset by a slightly lower net interest income and net interest margin compression. The second quarter of 2019 presented some challenges as our net in