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Latest On:
Period Ended
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 70,065,000 66,457,000 5.43 69,195,000 5.03
Total Net Loans 48,219,000 44,824,000 7.57 47,178,000 8.83
Total Deposits 54,332,000 53,580,000 1.40 54,535,000 (1.49)
Equity Attributable to Parent Company 7,599,000 7,621,000 (0.29) 7,588,000 0.58
Total Equity 7,599,000 7,621,000 (0.29) 7,588,000 0.58
Profitability (%)
Net Income($000) 198,000 197,000 0.51 213,000 (28.17)
Net Income Attributable to Parent($000) 198,000 197,000 0.51 213,000 (28.17)
ROAA 1.13 1.18 (5) bp 1.24 (11) bp
Core ROAA 1.15 1.18 (3) bp 1.24 (9) bp
ROAE 10.48 10.32 16 bp 11.25 (77) bp
ROATCE 12.59 12.28 31 bp 13.62 (103) bp
Core ROAE 10.61 10.28 33 bp 11.21 (60) bp
Net Interest Margin 3.53 3.55 (2) bp 3.63 (10) bp
Reported: Net Interest Margin 3.54 3.56 (2) bp 3.68 (14) bp
Efficiency Ratio 59.77 62.03 (226) bp 60.73 (96) bp
Noninterest Inc/ Operating Rev 19.18 20 (82) bp 18.53 65 bp
Balance Sheet Ratios (%)
Loans/ Deposits 89.48 84.42 506 bp 87.29 219 bp
Securities/ Assets 22.90 24.45 (155) bp 23.78 (88) bp
Total Equity/ Total Assets 10.85 11.47 (62) bp 10.97 (12) bp
Tangible Equity/ Tangible Assets 9.54 10.09 (55) bp 9.64 (10) bp
Tang Common Equity/ Tang Assets 8.72 9.23 (51) bp 8.81 (9) bp
Asset Quality (%)
NPAs/ Assets 0.50 0.68 (18) bp 0.49 1 bp
NPA Excl Restructured/ Assets 0.36 0.52 (16) bp 0.35 1 bp
NPAs & 90+ PD/ Assets 0.52 0.69 (17) bp 0.50 2 bp
NPAs/ Loans & REO 0.72 0.99 (27) bp 0.71 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.39 0.53 (14) bp 0.36 3 bp
NPAs & 90+ PD/ Loans & REO 0.75 1.01 (26) bp 0.73 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.62 6.98 (136) bp 5.32 30 bp
NCOs/ Avg Loans 0.12 (0.11) 23 bp 0 12 bp
Loan Loss Reserves/ Gross Loans 1.03 1.08 (5) bp 1.04 (1) bp
Reserves/ NPAs 143.80 108.74 3,506 bp 146.96 (316) bp
Loan Loss Provision/ NCO 142.86 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 5,987,335 6,359,944 (5.86) 6,123,935 (8.92)
Tier 1 Capital($000) 6,553,186 6,925,795 (5.38) 6,689,786 (8.17)
Tier 2 Capital($000) 649,949 794,550 (18.20) 642,222 4.81
Total Capital($000) 7,203,135 7,720,345 (6.70) 7,332,008 (7.03)
Total Risk-weighted Assets($000) 55,498,621 52,013,083 6.70 54,403,968 8.05
Tier 1 Common Capital (CET1) Ratio(%) 10.79 12.23 (144) bp 11.26 (47) bp
Tier 1 Ratio(%) 11.81 13.32 (151) bp 12.30 (49) bp
Total Capital Ratio(%) 12.98 14.84 (186) bp 13.48 (50) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.51 10.53 (102) bp 9.87 (36) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 176,935,000 195,392,000 (9.45) 182,513,000 (12.22)
Avg Diluted Shares(actual) 189,098,000 209,247,000 (9.63) 195,241,000 (12.59)
Basic Book Value per Share 39.75 36.11 10.08 38.47 13.31
Book Value per Share, As Reported 39.75 36.11 10.08 38.47 13.31
Basic Tangible Book Value per Share 34.02 30.91 10.06 32.92 13.37
Tangible Book Value per Share, As Reported 34.02 30.91 10.06 32.92 13.37
Common Dividends Declared per Share 0.30 0.24 25 0.30 0
EPS after Extra 0.99 0.88 12.50 1.04 (19.23)
EPS after Extra Growth(%) 12.50 20.50 (805) bp (3.70) 1,620 bp
Core EPS 1 0.88 13.64 1.04 (15.38)
Core EPS Growth(%) 14.40 18 (359) bp (4.10) 1,848 bp
Diluted EPS before Amortization 0.99 0.88 12.50 1.04 (19.23)
Pre-Provision Earnings per Share 1.11 0.91 21.98 1.06 18.87

  † 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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ZIONS BANCORPORATION, NATIONAL ASSOCIATION (NASDAQ - ZION)

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