Earnings With Interest at Zions: Fool by Numbers

On Jan. 23, Southwest regional bank Zions (Nasdaq: ZION) released earnings for the year ended Dec. 31, 2006.

• Net interest income grew 29.6% on a slight increase in net interest margin.
• Deposits increased 7%, primarily on growth in high-interest time deposits. Demand, savings, and money market accounts were flat year over year.
• Read Emil Lee's analysis to learn more about Zions' performance for the latest quarter.
• Zions holds a two-star rating in Motley Fool CAPS, our community intelligence database. Tell us what you think about the company.

(Figures in millions, except per-share data)

Income Statement Highlights

	FY 2006	FY 2005	Change
Total Revenue	$2,243.3	$1,755.3	27.8%
Net Interest Income	$1,764.7	$1,361.3	29.6%
Net Profit	$583.1	$480.1	21.5%
EPS	$5.36	$5.16	3.9%

Get back to basics with a look at the income statement.

Ratio Checkup

	FY 2006	FY 2005	Change*
Net Interest Margin	4.63%	4.58%	0.05%
Efficiency Ratio	56.85%	55.67%	1.18%
Nonperforming Assets / Assets	0.17%	0.21%	(0.03%)
Return on Avg. Assets	1.32%	1.43%	(0.11%)
Return on Avg. Common Equity	12.89%	15.86%	(2.97%)

Find out more about bank ratios.

Balance Sheet Highlights

Assets	FY 2006	FY 2005	Change
Investments	$5,767	$6,057	(4.8%)
Loans	$34,668	$30,127	15.1%

Liabilities	FY 2006	FY 2005	Change
Deposits	$34,982	$32,642	7.2%
Total Liabilities	$41,940	$38,515	8.9%

Learn about bank assets and bank liabilities.

Related Companies:

• Wells Fargo (NYSE: WFC)
• Regions (NYSE: RF)
• KeyCorp (NYSE: KEY)

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Fool by Numbers is designed to give you the raw earnings information in a timely fashion, putting all the numbers you need in one easy-to-read place. But at The Motley Fool, we believe numbers tell only part of the story, so check Fool.com for more of our in-depth discussion of what the numbers mean.

Fool financial editor Joey Khattab does not own any of the shares mentioned. The Motley Fool has a disclosure policy.