Zions bancorporation, national association (ZBK)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09Dec'08
Interest Income (Expense), Net [Abstract]
Interest income:
Interest and Fees and Loans

2,289

2,102

1,847

1,729

1,686

1,729

1,814

1,889

2,049

2,172

2,350

2,678

Interest on Money Market Investments

32

29

19

21

23

21

23

21

13

10

7

47

Interest on Securities

362

350

326

204

124

101

103

127

-

-

-

-

Interest on securities:
Held-to-maturity

-

-

-

-

-

-

-

-

35

33

54

87

Available-for-sale

-

-

-

-

-

-

-

-

87

88

100

158

Trading account

-

-

-

-

-

-

-

-

2

2

2

1

Total Interest Income

2,683

2,481

2,192

1,954

1,833

1,853

1,941

2,038

2,188

2,306

2,515

2,973

Interest Expense [Abstract]
Interest on Deposits

254

135

59

49

49

49

58

80

128

196

424

712

Interest on short- and long-term borrowings

157

116

68

38

69

123

186

226

-

-

-

-

Interest on short-term borrowings

-

-

-

-

-

-

-

-

6

12

14

178

Interest on long-term debt

-

-

-

-

-

-

-

-

297

383

178

110

Total Interest Expense

411

251

127

87

118

172

245

306

432

592

617

1,002

Net interest income

2,272

2,230

2,065

1,867

1,715

1,680

1,696

1,731

1,756

1,714

1,897

1,971

Provision for loan losses

37

39

24

93

40

-98

-87

14

74

852

2,016

648

Provision for unfunded lending commitments

2

1

7

-10

-6

-8

-17

4

-9

-4

65

1

Provision for Credit Losses

39

40

17

-

-

-

-

-

-

-

-

-

Interest Income Expense After Provision For Credit Losses

2,233

2,270

2,048

1,774

1,675

1,778

1,783

1,717

1,681

861

-119

1,323

Noninterest income:
Commercial account fees

121

122

126

-

-

-

-

-

-

-

-

-

Card fees

92

94

96

-

-

-

-

-

-

-

-

-

Retail and business banking fees

78

78

78

-

-

-

-

-

-

-

-

-

Loan-related fees and income

75

74

72

-

-

-

-

-

-

-

-

-

Capital Markets and Foreign Exchange Gain (Loss)

78

58

49

-

-

-

-

-

-

-

-

-

Wealth management and trust income

60

55

47

37

31

30

29

28

26

27

29

37

Other customer-related fees

21

27

22

-

-

-

-

-

-

-

-

-

Other Comprehensive Income (Loss), Net of Tax

-

-

-

-67

-

-

-

-

-

-

-

-

Service charges and fees on deposit accounts

-

-

-

171

168

168

171

176

174

199

212

206

Other service charges, commissions, and fees

-

-

-

208

187

178

183

174

185

178

156

167

Loan Sales and Servicing Income

-

-

-

35

31

29

38

39

28

29

22

24

Capital markets and foreign exchange

-

-

-

22

26

22

28

26

31

37

50

49

Customer-related Fees

525

508

490

473

443

-

-

-

-

-

-

-

Dividends and Other Investment Income

34

43

40

24

30

43

46

55

42

33

26

46

Securities Gains, Net

3

1

14

7

-127

13

8

11

6

-5

-1

0

Fair value and nonhedge derivative loss

-

-

-

-

-

-11

-18

-21

-4

-15

113

-47

Fixed income securities gains (losses), net

-

-

-

-

-

10

-2

19

11

11

-3

0

Impairment losses on investment securities

-

-

-

-

-

0

188

166

77

-156

569

304

Less amounts recognized in other comprehensive income

-

-

-

-

-

0

23

62

43

71

289

-

Impairment losses on investment securities:
Net impairment losses on investment securities

-

-

-

-

-

0

165

104

33

-85

280

304

Valuation losses on securities purchased

-

-

-

-

-

-

-

-

-

-

212

-13

Gain on subordinated debt modification

-

-

-

-

-

-

-

-

-

-

508

-

Gains Losses On Exchange Of Debt

-

-

-

-

-

-

-

-

-

14

-

-

Acquisition related gains

-

-

-

-

-

-

-

-

-

-

-169

-

Noninterest Income, Other Operating Income

-

-

-

12

11

7

17

13

29

29

12

21

Noninterest Income

562

552

544

516

357

492

337

419

498

453

804

190

Noninterest expense:
Salaries and Employee Benefits

1,141

1,070

1,006

978

973

956

912

885

874

825

818

810

Occupancy, Net

133

132

129

125

120

115

112

112

112

113

112

114

Furniture, Equipment, and Software, Net

135

126

130

125

123

115

106

108

105

101

99

100

Other real estate expense, net

-3

1

-1

-2

-1

-

-

-

-

-

-

-

Other real estate expense

-

-

-

-

-

1

1

19

77

144

110

50

Credit-Related Expense

20

25

29

25

29

28

33

50

61

71

44

24

Professional and Legal Fees

47

52

57

56

50

66

67

52

38

39

37

45

Advertising

19

26

22

22

25

25

23

25

27

24

22

30

FDIC Premiums

25

50

53

40

34

32

38

43

63

101

100

19

Amortization of core deposit and other Intangibles

-

-

-

-

9

10

14

17

20

25

31

33

Debt extinguishment cost

-

-

-

-

-

-44

-120

0

0

-

-

-

Other

225

197

231

226

225

265

300

275

285

275

226

244

Total Noninterest Expense

1,742

1,679

1,656

1,585

1,581

1,649

1,714

1,596

1,658

1,718

1,671

1,474

Impairment loss on goodwill

-

-

-

-

-

-

-

-

-

-

636

353

Income Before Income Taxes

1,053

1,143

936

705

451

621

406

541

521

-403

-1,623

-314

Income taxes

237

259

344

236

142

222

142

193

198

-106

-401

-43

Net income

816

884

592

469

309

398

263

348

322

-296

-1,221

-271

Net loss applicable to noncontrolling interests

-

-

-

-

-

-

-0

-1

-1

-3

-5

-5

Net income applicable to controlling interest

-

-

-

-

-

-

263

349

323

-292

-1,216

-266

Preferred Stock Dividends

34

34

40

48

62

-

-

-

-

-

-

24

Preferred stock redemption

0

0

2

10

0

0

125

0

0

3

84

-

Net Earnings Available to Common Shareholders

782

850

550

411

247

326

293

178

153

-412

-1,234

-290

Net earnings per common share:
Preferred Stock Dividends, Income Statement Impact

-

-

-

-

-

71

95

170

170

122

102

-

Weighted average common shares outstanding during the period:
Weighted Average Number of Shares Outstanding, Basic

175

193

200

203

203

192

183

183

182

166

124

108

Weighted Average Number of Shares Outstanding, Diluted

186

206

209

204

203

192

184

183

182

166

124

108

Earnings Per Share, Basic

4.41

4.36

2.71

2.00

1.20

1.68

1.58

0.97

0.83

-2.48

-9.92

-2.68

Earnings Per Share, Diluted

4.16

4.08

2.60

1.99

1.20

1.68

1.58

0.97

0.83

-2.48

-9.92

-2.68