secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2022-10-24T23:59:59+00:00
Accession:  0000109380-22-000181
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938022000181/0000109380-22-000181-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938022000181/zion-20221024.htm
  HTML page:      https://secwatch.observer/filing/0000109380-22-000181

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer