Zions reports 3Q22 EPS $1.40, NIM expands to 3.24%, loans up 13% ex-PPP

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

2022-Q3 EPS reported $3.96 revenue$461,000,000

Net earnings $211M, diluted EPS $1.40 vs $1.45 a year ago and $1.29 in 2Q22.
Net interest income $663M (+19% YoY); net interest margin 3.24% vs 2.68% a year ago.
Loans and leases ex-PPP $53.6B (+13% YoY); provision for credit losses $71M vs negative $46M.
Adjusted PPNR $351M (+21% YoY); efficiency ratio improved to 57.6% from 59.8%.
CET1 ratio 9.6% (down from 10.9%); repurchased 0.9M shares for $50M in the quarter.

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