Revenue Recognition (Tables)

6 Months Ended

Jun. 30, 2021

Revenue Recognition and Deferred Revenue [Abstract]

Disaggregation of Revenue

The schedule below presents noninterest income and net revenue by operating business segments for the three months ended June 30, 2021 and 2020. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

	Zions Bank				Amegy				CB&T
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	11	$	10	$	10	$	10	$	6	$	5
Card fees	15		11		7		6		4		3
Retail and business banking fees	6		5		4		3		3		3
Capital markets and foreign exchange fees	—		(1)		—		1		—		—
Wealth management fees	5		4		3		2		1		1
Other customer-related fees	2		2		1		2		1		1
Total noninterest income from contracts with customers (ASC 606)	39		31		25		24		15		13
Other noninterest income (Non-ASC 606 customer-related)	7		7		9		8		9		6
Total customer-related fees	46		38		34		32		24		19
Other noninterest income (noncustomer-related)	—		—		1		(1)		1		—
Total noninterest income	46		38		35		31		25		19
Net interest income	159		165		117		126		133		127
Total income less interest expense	$	205	$	203	$	152	$	157	$	158	$	146
	NBAZ				NSB				Vectra
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	2	$	2	$	2	$	1	$	2	$	1
Card fees	3		2		3		2		1		1
Retail and business banking fees	2		2		3		2		1		1
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	1		—		1		1		—		—
Other customer-related fees	—		—		—		—		1		1
Total noninterest income from contracts with customers (ASC 606)	8		6		9		6		5		4
Other noninterest income (Non-ASC 606 customer-related)	2		4		3		4		3		4
Total customer-related fees	10		10		12		10		8		8
Other noninterest income (noncustomer-related)	1		—		—		—		—		—
Total noninterest income	11		10		12		10		8		8
Net interest income	53		54		37		37		35		34
Total income less interest expense	$	64	$	64	$	49	$	47	$	43	$	42
	TCBW				Other				Consolidated Bank
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	1	$	1	$	—	$	—	$	34	$	30
Card fees	—		—		—		—		33		25
Retail and business banking fees	—		—		(1)		(1)		18		15
Capital markets and foreign exchange fees	—		—		2		3		2		3
Wealth management fees	—		—		—		1		11		9
Other customer-related fees	—		—		8		6		13		12
Total noninterest income from contracts with customers (ASC 606)	1		1		9		9		111		94
Other noninterest income (Non-ASC 606 customer-related)	1		—		(6)		3		28		36
Total customer-related fees	2		1		3		12		139		130
Other noninterest income (noncustomer-related)	—		—		63		(12)		66		(13)
Total noninterest income	2		1		66		—		205		117
Net interest income	14		14		7		6		555		563
Total income less interest expense	$	16	$	15	$	73	$	6	$	760	$	680

The following schedule presents the noninterest income and net revenue by operating segments for the six months ended June 30, 2021 and 2020:

	Zions Bank				Amegy				CB&T
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	22	$	21	$	19	$	18	$	12	$	11
Card fees	27		23		13		12		8		6
Retail and business banking fees	10		10		7		7		6		6
Capital markets and foreign exchange fees	—		(1)		2		3		—		—
Wealth management fees	10		8		6		6		2		2
Other customer-related fees	4		4		3		4		2		3
Total noninterest income from contracts with customers (ASC 606)	73		65		50		50		30		28
Other noninterest income (Non-ASC 606 customer-related)	12		12		16		17		17		15
Total customer-related fees	85		77		66		67		47		43
Other noninterest income (noncustomer-related)	—		(1)		1		—		2		1
Total noninterest income	85		76		67		67		49		44
Net interest income	316		329		233		246		264		252
Total income less interest expense	$	401	$	405	$	300	$	313	$	313	$	296
	NBAZ				NSB				Vectra
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	4	$	4	$	4	$	4	$	3	$	3
Card fees	5		5		6		5		3		2
Retail and business banking fees	4		4		5		4		2		2
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	1		1		2		2		1		1
Other customer-related fees	1		—		—		—		1		1
Total noninterest income from contracts with customers (ASC 606)	15		14		17		15		10		9
Other noninterest income (Non-ASC 606 customer-related)	6		7		8		6		6		7
Total customer-related fees	21		21		25		21		16		16
Other noninterest income (noncustomer-related)	1		—		—		—		—		—
Total noninterest income	22		21		25		21		16		16
Net interest income	105		108		74		73		68		67
Total income less interest expense	$	127	$	129	$	99	$	94	$	84	$	83
	TCBW				Other				Consolidated Bank
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	1	$	1	$	1	$	(1)	$	66	$	61
Card fees	1		—		—		2		63		55
Retail and business banking fees	—		—		1		—		35		33
Capital markets and foreign exchange fees	—		—		2		4		4		6
Wealth management fees	—		—		(1)		(1)		21		19
Other customer-related fees	—		—		13		10		24		22
Total noninterest income from contracts with customers (ASC 606)	2		1		16		14		213		196
Other noninterest income (Non-ASC 606 customer-related)	1		1		(7)		10		59		75
Total customer-related fees	3		2		9		24		272		271
Other noninterest income (noncustomer-related)	—		—		98		(21)		102		(21)
Total noninterest income	3		2		107		3		374		250
Net interest income	27		26		13		10		1,100		1,111
Total income less interest expense	$	30	$	28	$	120	$	13	$	1,474	$	1,361