Zions Bancorp Q4 net earnings $207M, EPS $1.34; NIM narrows to 2.58% on deposit growth

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

2021-FY EPS reported $6.79 revenue$575,000,000

Net earnings $207M ($1.34 diluted EPS) vs $275M ($1.66) a year ago; full-year 2021 EPS $6.79 vs $3.02.
Net interest margin fell to 2.58% from 2.95% on strong deposit growth; deposits up 19% to $82.8B.
Excluding PPP, loans grew $1.1B (2%) YoY; credit quality strong with net charge-offs 0.01% annualized.
CET1 ratio 10.2%; common share repurchases of $325M (5.0M shares) during Q4.

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