Zions Bank Annual Report

We maintain the complete database with all recent information about Zions Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Zions Bank data is relevant for November 2024.

4.3

Address

1 S Main Street Salt Lake City, UT 84133

FDIC Certificate ID

2270

Bank Charter Class

National Bank

Financial report Zions Bank

Quarterly

Annually

Change dates

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
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2003
2002
2001
2000
1999
1998
1997
1996
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1994
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2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
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1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
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1992

Hide dates

All values USD, Dollar figures in thousands

Updated June 30, 2022

Item

2022

2021

2020

2019

2018

Trends

Assets and Liabilities

Total assets

87,783,903

93,199,669

81,479,376

69,171,552

68,745,745

Cash & Balances due from depository institutions

1,807,401

10,878,213

1,617,163

1,447,221

1,231,922

Cash items in process of collection

981,236

677,794

850,214

889,194

894,875

Collection in domestic offices

569,479

292,127

449,140

486,331

550,694

Currency and coin in domestic offices

411,757

385,667

401,074

402,863

344,181

Balances due from depository institutions in U.S.

151,175

208,553

153,286

152,823

130,489

Balances due from foreign banks

79,586

50,484

68,214

93,881

79,923

Balances due from FRB

595,405

9,941,381

545,449

311,324

126,635

Total securities *

25,910,753

24,489,090

16,367,026

14,316,458

15,511,046

U.S. Government securities

23,487,549

22,280,168

14,136,535

12,380,129

13,425,033

U.S. Treasury securities

441,950

133,602

192,081

24,927

39,541

U.S. Government agency obligations

23,045,599

22,146,566

13,944,454

12,355,202

13,385,492

Securities issued by states & political subdivisions

2,317,129

2,094,086

2,054,381

1,909,699

2,062,747

Other domestic debt securities

56,022

64,631

26,174

26,630

23,266

Privately issued residential mortgage-backed securities

18,174

24,136

1,022

1,202

2,205

Asset backed securities

112

137

175

Structured financial products - Total

N/A

Other domestic debt securities - All other

24,006

25,039

25,040

25,291

20,886

Foreign debt securities

50,397

50,537

150,025

N/A

Equity securities not held for trading

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

344

332

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

2,273,029

2,133,007

5,764,921

484,409

1,461,011

Net loans and leases

51,903,490

50,420,114

52,780,004

48,342,919

46,312,248

Loan and leases loss allowance**

508,693

513,335

776,529

494,726

495,322

Total loans and leases

52,412,183

50,933,449

53,556,533

48,837,645

46,807,570

Unearned income

N/A

Loans and leases, gross

52,412,183

50,933,449

53,556,533

48,837,645

46,807,570

All real estate loans

31,855,862

30,616,442

30,570,754

30,661,466

29,704,587

Real estate loans in domestic offices

31,855,862

30,616,442

30,570,754

30,661,466

29,704,587

Construction and development loans

3,512,557

3,527,726

3,222,695

3,031,112

3,140,395

Residential 1-4 family construction

1,158,032

1,011,975

997,551

1,101,169

1,153,281

Other construction, all land development and other land

2,354,525

2,515,751

2,225,144

1,929,943

1,987,114

Secured by nonfarm nonresidential properties

15,877,105

15,386,378

14,961,695

14,512,874

14,196,665

Nonfarm nonresidential secured by owner-occupied properties

8,612,874

8,123,705

7,467,976

7,255,985

7,072,261

Commercial real estate other non-farm non-residential

7,264,231

7,262,673

7,493,719

7,256,889

7,124,404

Multifamily residential real estate

2,188,204

2,018,971

2,045,502

1,971,336

1,690,422

1-4 family residential loans

10,090,418

9,487,370

10,130,342

10,932,689

10,465,877

Farmland loans

187,578

195,997

210,520

213,455

211,228

Loans held in foreign offices

N/A

Farm loans

178,316

193,299

221,281

257,491

276,575

Commercial and industrial loans

12,764,464

13,238,008

16,443,966

12,582,930

12,044,297

Loans to individuals

570,983

504,974

554,367

654,325

666,645

Credit card loans

139,111

141,970

147,264

175,122

184,385

Related Plans

309,628

254,253

285,337

327,013

306,413

Consumer Loans - Auto

71,764

65,912

74,125

92,764

87,569

Other loans to individuals

50,480

42,839

47,641

59,426

88,278

All other loans & leases*

7,042,559

6,380,726

5,766,165

4,681,434

4,115,466

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

4,113,252

3,658,602

2,951,144

2,393,143

1,660,665

Other loans

2,576,503

2,354,590

2,487,666

1,928,830

2,114,764

Lease financing receivables

339,298

326,558

320,029

334,576

327,031

Loans to depository institutions and acceptances of other banks

13,506

40,976

7,326

24,885

13,006

Trading account assets

397,504

575,388

660,177

332,634

150,120

Bank premises and fixed assets

1,285,278

1,250,740

1,126,085

1,100,671

880,874

Other real estate owned

N/A

387

3,965

7,509

4,430

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

N/A

387

3,965

7,509

4,430

Other real estate owned: 1-4 family residential

N/A

1,097

2,278

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

387

3,659

6,136

2,152

Other real estate owned:Construction & development

N/A

306

276

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

1,061,004

1,057,385

1,049,694

1,040,947

1,046,025

Goodwill

1,014,128

Mortgage servicing assets

46,459

42,424

33,899

26,819

31,437

All other assets

3,145,444

2,395,345

2,110,341

2,098,784

2,148,069

Liabilities and Capital

Total liabilities and capital

87,783,903

93,199,669

81,479,376

69,171,552

68,745,745

Total Liabilities

82,152,303

85,737,421

73,593,409

61,818,301

61,167,328

Total deposits

79,061,285

82,789,356

69,653,429

57,085,487

54,100,276

Deposits held in domestic offices

79,061,285

82,789,356

69,653,429

57,085,487

54,100,276

Individuals, partnerships, and corporations

76,196,323

79,487,912

67,592,963

55,400,268

52,303,940

U.S. Government

3,377

3,624

States and political subdivisions in the U.S.

2,465,624

2,928,134

1,705,858

1,408,155

1,483,179

Commercial banks and other depository institutions in U.S.

395,961

369,686

354,557

276,987

313,120

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

79,061,285

82,789,356

69,653,429

57,085,487

54,100,276

Transaction accounts

53,321,054

56,406,831

45,537,385

7,843,420

5,167,052

Nontransaction accounts

25,740,231

26,382,525

24,116,044

49,242,067

48,933,224

Money market deposit accounts (MMDAs)

17,234,610

17,863,389

15,746,797

39,805,275

39,725,482

Other savings deposits (excluding MMDAs)

7,079,928

6,897,176

5,780,983

4,718,224

4,872,143

Total time deposits

1,425,693

1,621,960

2,588,263

4,718,568

4,335,599

Federal funds purchased and repurchase agreements

796,067

648,739

1,510,986

986,878

1,067,991

Trading liabilities

515,434

304,547

95,889

84,164

122,785

N/A - idobrmtg

336,915

639,098

942,486

2,393,243

5,137,464

Subordinated debt

539,520

590,574

630,053

571,732

86,738

All other liabilities

903,082

765,107

760,566

696,797

652,074

Total equity capital

5,631,600

7,462,248

7,885,967

7,353,251

7,578,417

Bank equity capital

5,631,600

7,462,248

7,885,967

7,353,251

7,578,417

Perpetual preferred stock

439,630

565,851

Common stock

150

151

164

165

188

Surplus

1,844,931

1,927,672

2,686,175

2,735,675

3,806,026

Undivided profits

3,346,889

5,094,795

4,633,777

4,051,560

3,206,352

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

207,260

278,393

379,521

253,083

261,655

Income earned, not collected on loans

241,728

219,683

247,341

216,307

223,303

Earning assets

81,193,344

87,560,766

75,927,142

63,817,555

63,684,060

Long-term assets (5+ years)

39,121,750

37,555,740

27,853,839

23,986,304

22,154,298

Average total assets

90,703,107.67

87,062,914.6

75,384,395.2

69,507,509.8

66,822,635.2

Average assets, quarterly

89,454,827

90,752,962.5

79,918,113.5

69,766,198

67,738,236.5

Total risk weighted assets adjusted

63,423,982

59,604,314

55,865,683

56,038,782

53,591,160

Adjusted average assets for leverage capital purposes

90,556,064

90,917,856

78,880,432

68,525,286

66,336,835

Life insurance assets

540,847

537,165

532,337

525,052

516,225

General account life insurance assets

508,946

505,299

500,190

493,177

484,610

Separate account life insurance assets

31,901

31,866

32,147

31,875

31,615

Hybrid life insurance assets

N/A

Volatile liabilities

1,451,684

1,467,892

2,401,486

2,940,072

8,501,612

Insider loans

4,800

4,960

6,120

2,503

2,578

FHLB advances

N/A

1,000,000

4,500,000

Loans and leases held for sale

42,498

82,572

81,054

128,805

93,456

Unused loan commitments

27,355,908

25,907,981

24,222,089

23,167,607

21,750,089

Tier one (core) capital

6,696,803

6,507,516

6,579,208

6,284,777

6,811,119

Tier 2 Risk-based capital

1,086,777

1,144,279

1,282,816

1,126,353

638,776

Total unused commitments

27,355,908

25,907,981

24,222,089

23,167,607

21,750,089

Derivatives

22,990,198

22,591,349

17,865,207

14,990,966

7,480,515