Zions Bancorporation, National Association (ZION)

ZION Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	2,100	1,653	3,083	2,728	6,308	1,189
Investment Securities	4,617	5,197	5,615	14,607	5,924	5,717
Trading Asset Securities	450	468	851	591	684	335
Mortgage-Backed Securities	16,253	17,226	18,988	20,387	11,693	9,559
Total Investments	21,320	22,891	25,454	35,585	18,301	15,611
Gross Loans	58,884	57,779	55,653	50,896	53,578	48,709
Allowance for Loan Losses	-694	-684	-575	-513	-777	-495
Other Adjustments to Gross Loans	-	-	-	-45	-102	-
Net Loans	58,190	57,095	55,078	50,338	52,699	48,214
Property, Plant & Equipment	1,536	1,572	1,581	1,514	1,422	1,360
Goodwill	-	1,027	1,027	1,014	1,014	1,014
Other Intangible Assets	1,053	32	38	1	2	-
Loans Held for Sale	97	53	8	83	81	129
Accrued Interest Receivable	343	364	322	226	254	222
Long-Term Deferred Tax Assets	879	999	1,128	96	-	37
Other Real Estate Owned & Foreclosed	5	6	3	8	4	8
Other Long-Term Assets	1,453	1,432	1,529	1,596	1,383	1,338
Total Assets	87,032	87,203	89,545	93,200	81,479	69,172
Interest Bearing Deposits	50,745	46,306	35,875	41,173	36,612	32,624
Institutional Deposits	-	2,411	-	563	547	885
Non-Interest Bearing Deposits	24,973	26,244	35,777	41,053	32,494	23,576
Total Deposits	75,718	74,961	71,652	82,789	69,653	57,085
Short-Term Borrowings	3,214	4,712	10,868	954	1,610	2,072
Current Portion of Leases	11	43	-	-	-	-
Long-Term Debt	544	538	647	1,008	1,332	1,719
Long-Term Leases	180	159	202	226	244	250
Pension & Post-Retirement Benefits	-	9	10	12	9	9
Other Long-Term Liabilities	980	1,090	1,273	748	745	684
Total Liabilities	80,647	81,512	84,652	85,737	73,593	61,819
Preferred Stock, Redeemable	440	440	440	440	566	566
Additional Paid-In Capital	1,717	1,731	1,754	1,928	2,686	2,735
Retained Earnings	6,564	6,212	5,811	5,175	4,309	4,009
Comprehensive Income & Other	-2,336	-2,692	-3,112	-80	325	43
Total Common Equity	5,945	5,251	4,453	7,023	7,320	6,787
Shareholders' Equity	6,385	5,691	4,893	7,463	7,886	7,353
Total Liabilities & Equity	87,032	87,203	89,545	93,200	81,479	69,172
Total Debt	3,949	5,452	11,717	2,188	3,186	4,041
Net Cash (Debt)	-146	-1,843	-6,443	11,414	4,880	-1,774
Net Cash Growth	-	-	-	133.89%	-	-
Net Cash Per Share	-0.99	-12.47	-42.88	71.23	29.47	-9.51
Filing Date Shares Outstanding	147.71	148.16	148.65	151.57	164.21	164.92
Total Common Shares Outstanding	147.7	148.15	148.66	151.63	164.09	165.06
Book Value Per Share	40.25	35.44	29.95	46.32	44.61	41.12
Tangible Book Value	4,892	4,192	3,388	6,008	6,304	5,773
Tangible Book Value Per Share	33.12	28.30	22.79	39.62	38.42	34.98

Source: S&P Capital IQ. Banks template. Financial Sources.