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Latest On:
Period Ended
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 70,361,000 66,731,000 5.44 70,065,000 1.69
Total Net Loans 48,466,000 45,391,000 6.77 48,219,000 2.05
Total Deposits 56,139,000 53,785,000 4.38 54,332,000 13.30
Equity Attributable to Parent Company 7,509,000 7,553,000 (0.58) 7,599,000 (4.74)
Total Equity 7,509,000 7,553,000 (0.58) 7,599,000 (4.74)
Profitability (%)
Net Income($000) 222,000 223,000 (0.45) 198,000 48.48
Net Income Attributable to Parent($000) 222,000 223,000 (0.45) 198,000 48.48
ROAA 1.26 1.34 (8) bp 1.13 13 bp
Core ROAA 1.26 1.35 (9) bp 1.15 11 bp
ROAE 11.73 11.75 (2) bp 10.48 125 bp
ROATCE 14.23 14.25 (2) bp 12.59 164 bp
Core ROAE 11.65 11.84 (19) bp 10.61 104 bp
Net Interest Margin 3.51 3.66 (15) bp 3.53 (2) bp
Reported: Net Interest Margin 3.48 3.63 (15) bp 3.54 (6) bp
Efficiency Ratio 58.36 59.12 (76) bp 59.77 (141) bp
Noninterest Inc/ Operating Rev 20.25 19.52 73 bp 19.18 107 bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.99 85.17 182 bp 89.48 (249) bp
Securities/ Assets 21.92 24.07 (215) bp 22.90 (98) bp
Total Equity/ Total Assets 10.67 11.32 (65) bp 10.85 (18) bp
Tangible Equity/ Tangible Assets 9.37 9.95 (58) bp 9.54 (17) bp
Tang Common Equity/ Tang Assets 8.55 9.09 (54) bp 8.72 (17) bp
Asset Quality (%)
NPAs/ Assets 0.46 0.61 (15) bp 0.50 (4) bp
NPA Excl Restructured/ Assets 0.34 0.44 (10) bp 0.36 (2) bp
NPAs & 90+ PD/ Assets 0.47 0.63 (16) bp 0.52 (5) bp
NPAs/ Loans & REO 0.67 0.89 (22) bp 0.72 (5) bp
Nonaccrual & 90+ & OREO/ Assets 0.34 0.46 (12) bp 0.39 (5) bp
NPAs & 90+ PD/ Loans & REO 0.68 0.91 (23) bp 0.75 (7) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 5.16 6.48 (132) bp 5.62 (46) bp
NCOs/ Avg Loans 0.01 (0.01) 2 bp 0.12 (11) bp
Loan Loss Reserves/ Gross Loans 1.04 1.05 (1) bp 1.03 1 bp
Reserves/ NPAs 156.17 118.22 3,795 bp 143.80 1,237 bp
Loan Loss Provision/ NCO NM NM NM 142.86 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 5,870,622 6,331,265 (7.28) 5,987,335 (7.80)
Tier 1 Capital($000) 6,436,473 6,897,116 (6.68) 6,553,186 (7.12)
Tier 2 Capital($000) 658,451 784,865 (16.11) 649,949 5.23
Total Capital($000) 7,094,924 7,681,981 (7.64) 7,203,135 (6.01)
Total Risk-weighted Assets($000) 56,298,000 52,492,889 7.25 55,498,621 5.76
Tier 1 Common Capital (CET1) Ratio(%) 10.43 12.06 (163) bp 10.79 (36) bp
Tier 1 Ratio(%) 11.43 13.14 (171) bp 11.81 (38) bp
Total Capital Ratio(%) 12.60 14.63 (203) bp 12.98 (38) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.30 10.51 (121) bp 9.51 (21) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 170,373,000 192,169,000 (11.34) 176,935,000 (14.83)
Avg Diluted Shares(actual) 181,870,000 205,765,000 (11.61) 189,098,000 (15.29)
Basic Book Value per Share 40.75 36.36 12.07 39.75 10.06
Book Value per Share, As Reported 40.75 36.36 12.07 39.75 10.06
Basic Tangible Book Value per Share 34.80 31.08 11.97 34.02 9.17
Tangible Book Value per Share, As Reported 34.80 31.08 11.97 34.02 9.17
Common Dividends Declared per Share 0.34 0.30 13.33 0.30 53.33
EPS after Extra 1.17 1.04 12.50 0.99 72.73
EPS after Extra Growth(%) 12.50 44.40 (3,194) bp 12.50 0 bp
Core EPS 1.16 1.05 10.48 1 64
Core EPS Growth(%) 10.80 43.70 (3,281) bp 14.40 (355) bp
Diluted EPS before Amortization 1.17 1.04 12.50 0.99 72.73
Pre-Provision Earnings per Share 1.23 1.04 18.27 1.11 43.24

  † 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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