Zions Bancorporation, National Association (ZION) · 40 Years of Financial statements

Income Statement

Revenue

102

107

- -

159

178

190

206

235

272

314

371

495

745

1,008

1,092

1,368

1,412

1,586

1,592

1,800

2,316

2,294

2,162

2,532

2,168

2,254

2,152

2,034

2,189

2,092

2,383

2,609

2,782

2,834

2,790

2,923

3,152

COGS

143

176

- -

Gross Profit

(41)

(69)

- -

3,152

Gross Profit Ratio

(40.57)%

(64.30)%

- -

100.00%

Operating Expenses

214

255

- -

39

R&D Expenses

- -

Selling, G&A Exp.

71

79

- -

49

56

59

66

79

93

108

123

167

262

365

375

464

499

510

551

595

811

863

899

974

952

965

955

974

1,014

1,032

1,044

1,086

1,146

1,185

1,131

1,171

1,324

General and Admin. Exp.

71

79

- -

49

56

59

66

79

93

103

118

160

250

347

349

441

478

492

531

574

785

836

868

951

927

938

929

951

989

1,007

1,022

1,064

1,120

1,166

1,112

1,152

1,285

Selling and Marketing Exp.

- -

5

7

12

19

25

23

21

18

20

21

26

27

31

23

25

27

26

23

25

22

26

19

39

Other Expenses

143

176

- -

280

85

34

- -

(1,285)

COGS and Expenses

357

431

- -

Interest Income

- -

283

287

286

258

268

354

431

479

682

976

1,359

1,626

1,592

1,456

1,399

1,505

1,910

2,818

3,205

2,974

2,515

2,320

2,205

2,039

1,941

1,853

1,833

1,954

2,192

2,481

2,683

2,368

2,267

2,705

Interest Expense

143

176

- -

162

166

154

114

111

155

204

219

331

432

618

823

642

421

304

331

549

1,053

1,323

1,002

618

592

432

307

245

173

118

87

127

251

411

152

59

185

Depreciation and Amortization

- -

12

5

16

17

18

22

32

52

91

115

120

87

95

101

134

125

140

213

373

300

215

131

129

151

123

179

193

188

86

(14)

110

EBITDA

174

203

28

21

(14)

(6)

190

210

202

195

206

268

344

394

550

702

1,012

1,179

1,203

932

950

1,052

1,393

2,088

2,178

833

(787)

566

1,255

1,064

782

923

721

915

1,242

1,587

1,652

910

1,491

1,447

EBITDA ratio

170.83%

190.09%

Infinity%

(Infinity)%

119.48%

117.61%

105.83%

94.51%

87.53%

98.53%

109.63%

106.06%

111.03%

94.30%

100.40%

107.94%

87.88%

66.00%

59.91%

66.04%

77.39%

90.17%

94.92%

38.51%

(31.06)%

26.09%

55.66%

49.46%

38.47%

42.18%

34.47%

38.40%

47.60%

57.05%

58.29%

32.62%

51.01%

45.91%

Operating Income

31

28

- -

Operating Income ratio

30.26%

25.79%

- -

Total Other Income Exp.(Gains)

- -

Income Before Tax

31

28

- -

19

38

42

65

76

95

122

154

188

218

304

241

448

485

553

626

744

913

737

(315)

(1,623)

(403)

521

542

406

621

452

705

936

1,143

1,053

672

1,446

1,152

Income Before Tax ratio

30.26%

25.79%

- -

11.94%

21.42%

22.11%

31.37%

32.40%

34.84%

38.99%

41.33%

37.90%

29.24%

30.12%

22.09%

32.74%

34.34%

34.90%

39.32%

41.30%

39.42%

32.14%

(14.55)%

(64.09)%

(18.60)%

23.12%

25.17%

19.98%

28.39%

21.60%

29.58%

35.88%

41.09%

37.16%

24.09%

49.47%

36.55%

Income Tax Expense (Gain)

6

3

- -

5

12

13

21

25

31

41

52

65

71

110

80

158

168

214

220

263

318

236

(43)

(401)

(107)

199

193

143

223

142

236

344

259

237

133

317

245

Net Income

25

28

21

(14)

(18)

18

27

29

43

53

64

81

101

122

147

194

162

283

256

338

406

480

583

494

(266)

(1,216)

(293)

324

350

264

398

309

469

592

884

816

539

1,129

907

Net Income Ratio

24.07%

23.36%

Infinity%

(Infinity)%

11.13%

14.92%

15.28%

21.08%

22.56%

23.47%

25.92%

27.30%

24.73%

19.72%

19.26%

14.80%

20.68%

18.15%

21.31%

25.50%

26.67%

25.18%

21.52%

(12.31)%

(48.02)%

(13.50)%

14.36%

16.24%

12.97%

18.21%

14.79%

19.68%

22.69%

31.78%

28.79%

19.32%

38.62%

28.78%

EPS

0.54

0.55

0.59

0.43

(0.32)

(0.38)

0.38

0.56

0.60

0.88

1.06

1.09

1.38

1.71

1.92

1.93

2.29

1.87

3.10

2.80

3.75

4.53

5.27

5.46

4.47

(2.67)

(9.92)

(1.76)

0.83

0.97

1.58

1.72

1.20

2.00

2.71

4.36

4.41

3.06

6.90

6.04

EPS Diluted

0.54

0.55

0.58

0.43

(0.32)

(0.38)

0.38

0.56

0.60

0.88

1.05

1.09

1.38

1.71

1.89

1.91

2.26

1.86

3.07

2.78

3.72

4.47

5.16

5.36

4.42

(2.67)

(9.92)

(1.76)

0.83

0.97

1.58

1.71

1.20

1.99

2.60

4.08

4.16

3.02

6.82

6.04

Weighted Avg. Shares Outs.

45

46

45

46

45

47

48

49

50

58

59

65

77

86

87

91

92

90

91

106

107

109

124

166

182

183

184

192

203

204

201

194

176

164

150

Weighted Avg. Shares Outs. Dil.

45

46

45

47

48

49

50

58

59

65

77

86

87

92

91

93

108

109

124

166

183

184

193

204

210

207

187

166

150

SEC Link

Link

Balance Sheet

Cash and Cash Equivalents

- -

445

496

581

526

329

337

453

452

689

895

916

1,068

981

1,089

1,120

852

1,729

1,982

2,582

3,809

2,023

5,500

8,245

7,821

9,350

8,020

6,906

2,148

1,330

1,233

1,448

1,617

10,878

1,997

Short-Term Investments

- -

5,051

5,135

2,676

3,656

4,206

3,231

3,091

3,702

3,844

7,643

13,554

15,341

14,979

13,826

15,877

24,048

11,915

Cash & Short-Term Investments

- -

445

496

581

526

329

337

453

452

689

895

916

1,068

981

1,089

1,120

852

1,729

7,033

7,716

6,485

5,679

9,706

11,476

10,912

13,052

11,864

14,550

15,702

16,671

16,212

15,274

17,494

34,926

13,912

Net Receivables

- -

503

- -

466

410

422

423

388

409

442

423

364

327

334

320

327

386

Inventory

- -

Other Current Assets

- -

15,251

18,412

19,905

23,323

20,634

21,489

24,389

32,342

30,475

35,019

40,590

37,490

33,141

34,504

37,671

35,633

37,638

33,657

29,833

30,695

34,111

36,586

44,533

30,449

(8,129)

Total Current Assets

- -

16,146

19,327

20,973

24,304

21,723

22,609

25,241

34,071

37,508

43,237

47,075

43,635

43,257

46,403

49,006

49,073

49,911

48,649

45,958

47,730

50,650

52,194

62,347

65,702

6,169

PP&E

41

40

53

55

54

52

50

64

65

76

83

93

136

231

287

325

368

394

408

409

565

609

656

687

711

721

719

709

726

830

905

1,020

1,094

1,124

1,142

1,209

1,319

1,408

Goodwill

- -

1,901

2,010

1,651

1,015

1,014

- -

Intangible Assets

- -

162

149

126

113

88

68

51

36

26

16

8

2

1

2

1

- -

Goodwill and Intangible Assets

- -

813

723

698

2,087

2,063

2,159

1,777

1,129

1,103

1,083

1,065

1,051

1,040

1,030

1,023

1,016

1,015

1,016

1,015

1,065

Investments

- -

3,636

4,818

5,121

6,057

6,790

6,895

5,553

5,649

5,953

4,944

4,732

5,181

5,428

9,085

15,239

16,448

15,957

14,822

16,907

25,164

24,636

Tax Assets

- -

Other Non-Current Assets

- -

272

666

641

(368)

- -

(1)

- -

(24,679)

Total Non-Current Assets

- -

503

954

966

0

4,843

5,949

6,229

8,709

9,462

9,710

8,018

7,488

7,777

6,746

6,506

6,958

7,298

11,021

17,281

18,558

18,096

16,978

19,132

27,498

2,430

Other Assets

2,311

2,711

3,181

3,297

3,020

2,803

2,975

3,559

3,646

3,779

4,366

4,934

5,621

6,485

9,522

- -

80,946

Total Assets

2,311

2,711

3,181

3,297

3,020

2,803

2,975

3,559

3,646

3,779

4,366

4,934

5,621

6,485

9,522

16,649

20,281

21,939

24,304

26,566

28,558

31,470

42,780

46,970

52,947

55,093

51,123

51,035

53,149

55,512

56,031

57,209

59,670

63,239

66,288

68,746

69,172

81,479

93,200

89,545

Accounts Payable

- -

Short-Term Debt

- -

1

290

204

154

136

26

15

14

60

150

1,038

1,291

181

16

215

181

186

221

298

15

1

166

70

5

- -

1

- -

500

3,600

4,500

1,000

- -

1,263

Tax Payable

- -

Deferred Revenue

- -

Other Current Liabilities

2,097

2,482

2,933

2,991

2,737

2,534

2,714

2,993

3,154

3,285

4,140

4,382

5,037

6,299

9,787

15,997

17,133

18,453

21,063

- -

Total Current Liabilities

2,097

2,482

2,933

2,991

2,737

2,534

2,715

3,283

3,358

3,438

4,276

4,408

5,052

6,312

9,847

16,147

18,171

19,744

21,244

16

215

181

186

221

298

15

1

166

70

5

- -

1

- -

500

3,600

4,500

1,000

- -

1,263

Long-Term Debt

47

44

106

103

102

96

93

81

151

208

160

142

325

469

511

805

762

1,331

1,602

1,969

1,919

2,746

2,358

2,463

2,493

2,017

1,943

1,954

2,337

2,274

1,092

817

535

383

724

1,723

1,336

1,012

651

Deferred Revenue

- -

Deferred Tax Liabilities

- -

Other Non-Current Liabilities

- -

0

(0)

(52)

4

0

(2)

(75)

(189)

(61)

(355)

(345)

(552)

- -

81,849

Total Non-Current Liabilities

47

44

106

103

102

96

93

81

99

212

160

140

250

280

450

417

779

1,602

1,969

1,919

2,746

2,358

2,463

2,493

2,017

1,943

1,954

2,337

2,274

1,092

817

535

383

724

1,723

1,336

1,012

82,500

Other Liabilities

- -

0

- -

0

- -

0

- -

22,552

23,814

26,556

35,583

39,362

44,863

46,055

43,394

42,279

44,141

47,121

47,293

48,746

51,345

54,570

54,626

55,944

59,096

72,257

84,725

889

Capital Lease Obligations

- -

3

- -

0

1

- -

4

- -

Total Liabilities

2,144

2,526

2,977

3,097

2,840

2,636

2,811

3,376

3,439

3,537

4,075

4,568

5,192

5,978

8,866

15,600

18,582

20,121

22,007

24,169

25,998

28,656

38,515

41,940

47,624

48,564

45,413

44,388

46,166

49,463

49,567

49,839

52,162

55,605

58,609

61,168

61,819

73,593

85,737

84,652

Preferred Stock

- -

240

1,582

1,503

2,057

2,378

1,128

1,004

828

710

566

440

Common Stock

40

41

45

- -

888

908

1,111

1,035

986

972

2,157

2,230

2,212

2,600

3,318

4,164

4,163

4,166

4,179

4,724

4,767

4,725

4,445

- -

2,735

2,686

1,928

1,754

Retained Earnings

111

128

147

158

135

121

117

135

156

190

233

292

353

430

531

694

776

875

1,110

1,293

1,539

1,830

2,180

2,602

2,911

2,433

1,325

889

1,037

1,204

1,474

1,770

1,967

2,322

2,807

3,456

4,009

4,309

5,175

5,811

Other Compreh. Income(Loss)

- -

46

15

(12)

(99)

(76)

(59)

(99)

(437)

(461)

(592)

(446)

(192)

(128)

(55)

(122)

(139)

(250)

43

325

(80)

(3,112)

Other Total Stockhold. Equity

16

15

16

1

- -

1

47

48

51

53

57

73

75

78

125

355

35

36

76

- -

(10)

(11)

(14)

(16)

- -

3,806

- -

Total Stockholders Equity

167

184

204

200

180

167

164

184

207

243

290

366

429

508

656

1,049

1,699

1,819

2,297

2,374

2,540

2,790

4,237

4,987

5,293

6,502

5,693

6,648

6,985

6,052

6,465

7,370

7,508

7,634

7,679

7,578

7,353

7,886

7,463

4,893

Total Liab.&Stockhold. Equity

2,311

2,710

3,181

3,297

3,020

2,803

2,975

3,559

3,646

3,779

4,366

4,934

5,621

6,485

9,522

16,649

20,281

21,939

24,304

26,543

28,538

31,446

42,752

46,927

52,916

55,065

51,105

51,036

53,151

55,515

56,031

57,209

59,670

63,239

66,288

68,746

69,172

81,479

93,200

89,545

Minority Interest

- -

Total Liabilities & Equity

2,311

2,710

3,181

3,297

3,020

2,803

2,975

3,559

3,646

3,779

4,366

4,934

5,621

6,485

9,522

16,649

20,281

21,939

24,304

26,543

28,538

31,446

42,752

46,927

52,916

55,065

51,105

51,036

53,151

55,515

56,031

57,209

59,670

63,239

66,288

68,746

69,172

81,479

93,200

89,545

SEC Link

Link

Cash Flow Statement

Net Income

- -

(18)

18

27

29

43

53

64

81

101

122

147

194

162

283

256

338

406

480

583

494

(266)

(1,216)

(293)

324

350

264

398

309

469

592

884

816

539

1,129

907

Depreciation and Amortization

- -

12

5

16

17

18

22

32

52

91

115

120

87

95

101

134

125

140

213

373

300

215

131

129

151

123

179

193

188

86

(14)

110

Deferred Income Tax

- -

(22)

(32)

9

(159)

(231)

(15)

(29)

116

10

(60)

26

(30)

(8)

154

- -

(2)

(58)

32

(43)

Stock Based Compensation

- -

24

28

32

30

- -

25

26

27

26

28

30

Change in Working Capital

- -

44

3

6

10

(8)

(20)

(23)

(12)

23

(39)

24

(11)

7

(15)

(92)

(67)

(31)

257

87

199

(551)

404

201

80

364

(6)

(57)

(74)

4

139

(353)

(259)

(158)

466

Accounts Receivable

- -

(42)

(8)

34

57

- -

Inventory

- -

Accounts Payable

- -

31

(4)

(11)

(27)

- -

Other Working Capital

- -

(2,534)

(0)

11

(14)

(22)

(24)

(5)

18

(40)

1

(15)

(23)

(14)

(42)

(46)

(63)

(46)

65

62

(141)

(252)

(25)

8

12

(6)

(36)

22

(67)

(33)

42

(76)

(83)

(107)

- -

Other Non-Cash Items

- -

3

28

42

2

(73)

73

(112)

123

6

(92)

(286)

(273)

66

434

(53)

100

250

236

39

157

1,300

2,598

1,005

157

112

178

(93)

161

86

(26)

(66)

21

385

(388)

- -

Cash Provided by Operating Activities

- -

41

54

79

46

(22)

123

(53)

210

152

23

(63)

1

349

843

276

440

662

754

1,047

733

1,174

1,058

1,461

1,097

766

877

454

535

596

928

1,176

697

719

629

1,470

CAPEX

- -

(4)

(5)

(6)

(5)

(10)

(14)

(12)

(18)

(21)

(39)

(64)

(94)

(82)

(92)

(98)

(83)

(72)

(68)

(122)

(103)

(114)

(103)

(79)

(78)

(69)

(89)

(176)

(157)

(196)

(169)

(129)

(117)

(171)

(206)

- -

Acquisitions Net

- -

12

210

10

- -

(190)

(13)

45

689

452

21

- -

(20)

4

- -

318

Purchases of Investments

- -

(18,528)

(305)

(306)

(354)

(465)

(647)

(1,047)

(883)

(2,128)

(4,172)

(2,012)

(2,106)

(9,097)

(12,111)

(8,178)

(4,251)

(3,924)

(2,938)

(5,507)

(4,341)

(1,947)

(5,779)

(3,909)

(2,650)

(1,481)

(2,062)

(5,574)

(9,774)

(5,040)

(4,076)

(2,073)

(12,192)

(19,486)

(6,526)

Sales/Maturities of Investments

- -

18,919

186

269

305

1,221

690

772

675

1,365

5,073

1,661

2,261

10,054

11,943

7,011

4,063

4,162

3,436

4,326

3,983

3,403

1,268

2,328

1,380

1,532

1,888

3,641

8,629

3,409

3,436

4,520

4,804

5,268

16,520

Other Investing Activities

- -

63

(384)

(618)

(117)

4

(669)

32

(390)

(575)

(603)

(1,332)

(1,503)

(1,546)

(1,553)

(1,864)

(975)

(2,989)

(2,480)

(4,602)

(3,817)

(3,289)

1,838

2,643

(834)

(550)

(1,359)

(990)

(560)

(2,096)

(2,119)

(1,937)

(1,955)

(4,645)

2,845

(8,907)

Cash Used for Investing Activities

- -

59

8

(737)

(154)

(45)

88

75

(664)

(783)

(1,365)

(431)

(1,854)

(1,379)

(386)

(2,022)

(2,142)

(3,176)

(2,432)

(4,240)

(5,056)

(3,072)

3,643

(1,926)

(2,492)

(1,909)

(1,393)

(1,341)

(2,651)

(3,436)

(3,919)

(2,706)

375

(12,204)

(11,579)

1,405

Debt Repayment

- -

(3)

(10)

(33)

(148)

(68)

(19)

(22)

(63)

(189)

(310)

(603)

(243)

(72)

(376)

(243)

(2)

(632)

(284)

(160)

(3,652)

(93)

(217)

(373)

(832)

(1,223)

(288)

(280)

(3,253)

(2,162)

(3,600)

(910)

(955)

- -

Common Stock Issued

- -

80

59

354

464

977

- -

143

794

526

22

25

20

14

8

21

9

Common Stock Repurchased

- -

(26)

(322)

(3)

(49)

- -

(1,543)

(799)

- -

(176)

(223)

(476)

(684)

(1,102)

(76)

(926)

(202)

Dividends Paid

- -

(9)

(12)

(17)

(21)

(25)

(28)

(42)

(57)

(77)

(74)

(73)

(92)

(115)

(130)

(161)

(196)

(96)

(109)

(156)

(134)

(120)

(96)

(108)

(129)

(236)

(260)

(259)

(261)

(269)

Other Financing Activities

- -

(82)

(2)

635

74

143

(16)

41

594

664

1,606

879

2,196

1,858

(209)

2,000

2,203

2,603

2,666

4,165

4,982

1,523

(1,473)

(756)

2,069

3,667

807

1,350

2,621

3,365

6,635

4,658

3,967

12,560

13,123

(2,351)

Cash Used/Provided by Financing Activities

- -

(90)

(13)

623

55

101

(176)

(44)

555

617

1,516

649

1,829

1,179

(526)

1,855

1,734

2,245

2,533

3,425

4,240

1,519

(4,807)

19

1,696

1,761

(150)

557

2,072

2,779

2,802

1,596

(981)

11,323

11,002

(2,813)

Effect of Forex Changes on Cash

- -

Net Change In Cash

- -

9

(13)

623

55

101

(176)

(44)

555

617

1,516

649

(24)

149

(69)

109

32

(268)

856

232

(84)

(379)

(106)

(446)

300

618

(667)

(329)

(44)

(61)

(189)

66

91

(162)

52

62

Cash at the End of Period

- -

9

- -

898

1,047

979

1,087

1,119

851

1,707

1,939

1,855

1,476

1,370

924

1,224

1,842

1,175

846

798

737

548

614

705

543

595

657

Cash at the Beginning of Period

- -

275

323

288

236

270

339

317

418

454

710

923

898

1,047

979

1,087

1,119

851

1,707

1,939

1,855

1,476

1,370

924

1,224

1,842

1,175

842

798

737

548

614

705

543

595

Free Cash Flow

- -

37

49

73

41

(32)

109

(65)

193

131

(16)

(127)

(92)

267

751

178

357

590

686

925

630

1,060

955

1,382

1,019

697

788

278

378

400

759

1,047

580

548

423

1,470

SEC Link

Link

Forex Rate

- -

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