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Latest On:
Period Ended
2020 FQ4
12/31/2020
2019 FQ4
12/31/2019
Y-Y Ch (%)
2020 FQ3
9/30/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 81,476,000 69,172,000 17.79 78,357,000 15.92
Total Net Loans 52,780,000 48,343,000 9.18 53,981,000 (8.90)
Total Deposits 69,653,000 57,085,000 22.02 67,094,000 15.26
Equity Attributable to Parent Company 7,886,000 7,353,000 7.25 7,668,000 11.37
Total Equity 7,886,000 7,353,000 7.25 7,668,000 11.37
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 284,000 183,000 55.19 175,000 249.14
Net Income Attributable to Parent($000) 284,000 183,000 55.19 175,000 249.14
ROAA 1.42 1.05 37 bp 0.90 52 bp
Core ROAA 1.37 1.11 26 bp 0.89 48 bp
ROAE 14.69 9.85 484 bp 9.16 553 bp
ROATCE 17.94 11.69 625 bp 10.95 699 bp
Core ROAE 14.20 10.40 380 bp 9.03 517 bp
Net Interest Margin 2.96 3.49 (53) bp 3.07 (11) bp
Reported: Net Interest Margin 2.95 3.46 (51) bp 3.06 (11) bp
Efficiency Ratio 59.49 63.41 (392) bp 61.68 (219) bp
Noninterest Inc/ Operating Rev 21.88 21.16 72 bp 21.61 27 bp
Balance Sheet Ratios (%)
Loans/ Deposits 76.77 85.33 (856) bp 81.59 (482) bp
Securities/ Assets NA 21.50 NA 20.09 NA
Total Equity/ Total Assets 9.68 10.63 (95) bp 9.79 (11) bp
Tangible Equity/ Tangible Assets 8.54 9.30 (76) bp 8.60 (6) bp
Tang Common Equity/ Tang Assets 7.84 8.47 (63) bp 7.87 (3) bp
Asset Quality (%)
NPAs/ Assets 0.70 0.47 23 bp 0.73 (3) bp
NPA Excl Restructured/ Assets 0.46 0.36 10 bp 0.47 (1) bp
NPAs & 90+ PD/ Assets 0.71 0.49 22 bp 0.74 (3) bp
NPAs/ Loans & REO 1.06 0.67 39 bp 1.04 2 bp
Nonaccrual & 90+ & OREO/ Assets 0.47 0.38 9 bp 0.49 (2) bp
NPAs & 90+ PD/ Loans & REO 1.08 0.69 39 bp 1.05 3 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.20 5.40 280 bp 8.32 (12) bp
NCOs/ Avg Loans 0.11 0.18 (7) bp 0.38 (27) bp
Loan Loss Reserves/ Gross Loans 1.45 1.01 44 bp 1.56 (11) bp
Reserves/ NPAs 136.56 150.68 (1,412) bp 150.01 (1,345) bp
Loan Loss Provision/ NCO NM 31.82 NM 86.54 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 6,013,000 5,718,926 5.14 5,804,398 14.38
Tier 1 Capital($000) 6,578,851 6,284,777 4.68 6,370,249 13.10
Tier 2 Capital($000) NA 1,126,353 NA 1,280,810 NA
Total Capital($000) 7,876,824 7,411,130 6.28 7,651,059 11.80
Total Risk-weighted Assets($000) 55,864,000 56,038,782 (0.31) 55,654,327 1.51
Tier 1 Common Capital (CET1) Ratio(%) 10.80 10.21 59 bp 10.43 37 bp
Tier 1 Ratio(%) 11.80 11.22 58 bp 11.45 35 bp
Total Capital Ratio(%) 14.10 13.23 87 bp 13.75 35 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.30 9.17 (87) bp 8.30 0 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 164,090,000 165,057,000 (0.59) 164,009,000 0.20
Avg Diluted Shares(actual) 163,900,000 178,718,000 (8.29) 163,779,000 0.30
Basic Book Value per Share 44.61 41.12 8.49 43.30 12.10
Book Value per Share, As Reported 44.61 41.12 8.49 43.30 12.10
Basic Tangible Book Value per Share 38.42 34.98 9.83 37.11 14.12
Tangible Book Value per Share, As Reported 38.42 34.98 9.83 37.11 14.12
Common Dividends Declared per Share 0.34 0.34 0 0.34 0
EPS after Extra 1.66 0.97 71.13 1.01 257.43
EPS after Extra Growth(%) 71.10 (10.20) 8,132 bp (13.70) 8,481 bp
Core EPS 1.60 1.03 55.34 1 240
Core EPS Growth(%) 55.90 (3.50) 5,941 bp (14.30) 7,014 bp
Diluted EPS before Amortization 1.67 0.97 72.16 1.01 261.39
Pre-Provision Earnings per Share 1.28 1.07 19.63 1.23 16.26

  † 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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