secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2023-01-23T23:59:59+00:00
Accession:  0000109380-23-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Zions Bancorp Q4 net earnings $277M, EPS $1.84 vs $1.34 a year ago; NIM expands to 3.53%
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- Net earnings of $277M, diluted EPS $1.84, up from $207M and $1.34 in Q4 2021.
- Net interest margin rose to 3.53% from 2.58%; net interest income up 30% to $720M.
- Loans and leases $55.7B (+9% YoY); deposits $71.7B (-13%); loan-to-deposit ratio 78%.
- Pre-provision net revenue $412M (+36%); adjusted PPNR $420M (+46%).
- Estimated CET1 ratio 9.7% (vs 10.2%); nonperforming assets 0.3% of loans (improved from 0.5%).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/0000109380-23-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938023000007/zion-20230123.htm
  HTML page:      https://secwatch.observer/filing/0000109380-23-000007

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