secwatch.observer — SEC 8-K summary
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Issuer:     ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
CIK:        0000109380
Form:       8-K
Filed at:   2025-01-21T23:59:59+00:00
Accession:  0000109380-25-000009
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000009/0000109380-25-000009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/109380/000010938025000009/zion-20250121.htm
  HTML page:      https://secwatch.observer/filing/0000109380-25-000009

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