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