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Latest On:
Period Ended
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 71,467,000 69,195,000 3.28 69,172,000 13.27
Total Net Loans 49,337,000 47,178,000 4.58 48,343,000 8.22
Total Deposits 57,518,000 54,535,000 5.47 57,085,000 3.03
Equity Attributable to Parent Company 7,472,000 7,588,000 (1.53) 7,353,000 6.47
Total Equity 7,472,000 7,588,000 (1.53) 7,353,000 6.47
Profitability (%)
Net Income($000) 14,000 213,000 (93.43) 183,000 (369.40)
Net Income Attributable to Parent($000) 14,000 213,000 (93.43) 183,000 (369.40)
ROAA 0.08 1.24 (116) bp 1.05 (97) bp
Core ROAA 0.11 1.24 (113) bp 1.11 (100) bp
ROAE 0.75 11.25 (1,050) bp 9.85 (910) bp
ROATCE 0.47 13.62 (1,315) bp 11.69 (1,122) bp
Core ROAE 1.04 11.21 (1,017) bp 10.40 (936) bp
Net Interest Margin 3.40 3.63 (23) bp 3.49 (9) bp
Reported: Net Interest Margin 3.41 3.68 (27) bp 3.46 (5) bp
Efficiency Ratio 58.56 60.87 (231) bp 63.41 (485) bp
Noninterest Inc/ Operating Rev 20.35 18.50 185 bp 21.16 (81) bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.80 87.29 (49) bp 85.33 147 bp
Securities/ Assets 21.50 23.78 (228) bp 21.50 0 bp
Total Equity/ Total Assets 10.46 10.97 (51) bp 10.63 (17) bp
Tangible Equity/ Tangible Assets 9.17 9.64 (47) bp 9.30 (13) bp
Tang Common Equity/ Tang Assets 8.36 8.81 (45) bp 8.47 (11) bp
Asset Quality (%)
NPAs/ Assets 0.50 0.49 1 bp 0.47 3 bp
NPA Excl Restructured/ Assets 0.39 0.35 4 bp 0.36 3 bp
NPAs & 90+ PD/ Assets 0.51 0.50 1 bp 0.49 2 bp
NPAs/ Loans & REO 0.72 0.71 1 bp 0.67 5 bp
Nonaccrual & 90+ & OREO/ Assets 0.40 0.36 4 bp 0.38 2 bp
NPAs & 90+ PD/ Loans & REO 0.73 0.73 0 bp 0.69 4 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.54 5.32 22 bp 5.40 14 bp
NCOs/ Avg Loans 0.06 0 6 bp 0.18 (12) bp
Loan Loss Reserves/ Gross Loans 1.46 1.04 42 bp 1.01 45 bp
Reserves/ NPAs 203.35 146.96 5,639 bp 150.68 5,267 bp
Loan Loss Provision/ NCO NM NM NM 31.82 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 5,666,624 6,123,935 (7.47) 5,718,926 (3.66)
Tier 1 Capital($000) 6,232,475 6,689,786 (6.84) 6,284,777 (3.33)
Tier 2 Capital($000) 1,294,083 642,222 101.50 1,126,353 59.57
Total Capital($000) 7,526,558 7,332,008 2.65 7,411,130 6.23
Total Risk-weighted Assets($000) 56,860,544 54,403,968 4.52 56,038,782 5.87
Tier 1 Common Capital (CET1) Ratio(%) 9.97 11.26 (129) bp 10.21 (24) bp
Tier 1 Ratio(%) 10.96 12.30 (134) bp 11.22 (26) bp
Total Capital Ratio(%) 13.24 13.48 (24) bp 13.23 1 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.01 9.87 (86) bp 9.17 (16) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 163,852,000 182,513,000 (10.22) 165,057,000 (2.92)
Avg Diluted Shares(actual) 172,998,000 195,241,000 (11.39) 178,718,000 (12.80)
Basic Book Value per Share 42.15 38.47 9.57 41.12 10.02
Book Value per Share, As Reported 42.15 38.47 9.57 41.12 10.02
Basic Tangible Book Value per Share 35.96 32.92 9.23 34.98 11.21
Tangible Book Value per Share, As Reported 35.96 32.92 9.23 34.98 11.21
Common Dividends Declared per Share 0.34 0.30 13.33 0.34 0
EPS after Extra 0.04 1.03 (96.12) 0.97 (383.51)
EPS after Extra Growth(%) (96.10) (4.60) (9,149) bp (10.20) (8,593) bp
Core EPS 0.07 1.03 (93.20) 1.03 (372.82)
Core EPS Growth(%) (93) (5) (8,802) bp (3.50) (8,948) bp
Diluted EPS before Amortization 0.04 1.03 (96.12) 0.97 (383.51)
Pre-Provision Earnings per Share 1.23 1.05 17.14 1.07 59.81

  † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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EQUAL OPPORTUNITY STATEMENT: Zions Bancorporation and each of its affiliate and subsidiary companies (the "Company") are equal opportunity employers. The Company provides equal employment opportunities to all qualified applicants and employees without regard to race, color, religion, sex, national origin, sexual orientation, gender identity and expression or any other characteristic protected by federal, state, or local law.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION (NASDAQ - ZION)

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