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Jun 30, 2022

Zions Q2 2022 Earnings Report

Zions Bancorporation reported net earnings of $195 million and diluted EPS of $1.29 for Q2 2022.

Key Takeaways

Zions Bancorporation, N.A. reported second quarter 2022 net earnings of $195 million, with diluted EPS of $1.29. Net interest income was $593 million, up 7%, and NIM was 2.87%. Loans and leases were $52.4 billion, up 2%, and excluding PPP loans, loans and leases were up 10%. The estimated CET1 capital ratio was 9.9%.

Net interest income was $593 million, up 7%.

NIM was 2.87%, compared with 2.79%.

Loans and leases were $52.4 billion, up 2%; excluding PPP, loans and leases were $51.8 billion, up 10%.

The estimated CET1 capital ratio was 9.9%.

Total Revenue
$765M
Previous year: $760M
+0.7%
EPS
$1.29
Previous year: $2.08
-38.0%
Average Deposits
$80.9B
Previous year: $10.3B
+689.0%
Gross Profit
$780M
Previous year: $760M
+2.6%
Cash and Equivalents
$559M
Previous year: $525M
+6.5%
Free Cash Flow
$467M
Previous year: -$232M
-301.3%
Total Assets
$87.8B
Previous year: $87.2B
+0.7%

Zions

Zions

Forward Guidance

The company is well prepared for the possibility of a recession with solid credit quality and capital, and strong pre-provision net revenue growth.