Zions Q4 2024 EPS $1.34 vs $0.78 YoY; NIM improves to 3.05% but classified loans surge

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

2024-FY EPS reported $4.95 revenue$639,000,000

Q4 net earnings $200M, diluted EPS $1.34, up from $116M / $0.78 in Q4 2023.
Net interest margin 3.05% versus 2.91% a year ago; net interest income up 8% to $627M.
Pre-provision net revenue $323M (+102%); adjusted PPNR $312M (+19%).
Annualized net loan charge-off ratio 0.24% (0.06% a year ago); provision for credit losses $41M vs <$1M.
Classified loans $2.9B (4.8% of loans) vs $825M (1.4%); nonperforming assets $298M, up 31%.

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