Revenue Recognition (Tables)

6 Months Ended

Jun. 30, 2022

Revenue Recognition and Deferred Revenue [Abstract]

Disaggregation of Revenue

The schedule below presents net revenue by our operating business segments for the three months ended June 30, 2022 and 2021. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity.

	Zions Bank				CB&T				Amegy
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	12	$	11	$	7	$	6	$	11	$	10
Card fees	14		15		5		4		8		7
Retail and business banking fees	6		6		3		3		4		4
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	6		5		1		1		4		3
Other customer-related fees	2		2		2		1		2		1
Total noninterest income from contracts with customers (ASC 606)	40		39		18		15		29		25
Other noninterest income (non-ASC 606 customer-related)	6		7		8		9		13		9
Total customer-related noninterest income	46		46		26		24		42		34
Other noncustomer-related noninterest income	3		—		1		1		—		1
Total noninterest income	49		46		27		25		42		35
Net interest income	170		158		142		133		120		116
Total net revenue	$	219	$	204	$	169	$	158	$	162	$	151
	NBAZ				NSB				Vectra
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	2	$	2	$	2	$	2	$	2	$	2
Card fees	4		3		4		3		2		1
Retail and business banking fees	2		2		3		3		1		1
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	1		1		1		1		—		—
Other customer-related fees	—		—		—		—		1		1
Total noninterest income from contracts with customers (ASC 606)	9		8		10		9		6		5
Other noninterest income (non-ASC 606 customer-related)	1		2		2		3		2		3
Total customer-related noninterest income	10		10		12		12		8		8
Other noncustomer-related noninterest income	1		1		—		—		—		—
Total noninterest income	11		11		12		12		8		8
Net interest income	55		53		39		37		35		35
Total net revenue	$	66	$	64	$	51	$	49	$	43	$	43
	TCBW				Other				Consolidated Bank
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	1	$	1	$	—	$	—	$	37	$	34
Card fees	1		—		(2)		—		36		33
Retail and business banking fees	—		—		1		(1)		20		18
Capital markets and foreign exchange fees	—		—		1		2		1		2
Wealth management fees	—		—		—		—		13		11
Other customer-related fees	—		—		9		8		16		13
Total noninterest income from contracts with customers (ASC 606)	2		1		9		9		123		111
Other noninterest income (non-ASC 606 customer-related)	—		1		(1)		(6)		31		28
Total customer-related noninterest income	2		2		8		3		154		139
Other noncustomer-related noninterest income	—		—		13		63		18		66
Total noninterest income	2		2		21		66		172		205
Net interest income	15		14		17		9		593		555
Total net revenue	$	17	$	16	$	38	$	75	$	765	$	760

The following schedule presents the noninterest income and net revenue by operating segments for the six months ended June 30, 2022 and 2021:

	Zions Bank				CB&T				Amegy
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	27	$	22	$	14	$	12	$	22	$	20
Card fees	27		27		10		8		16		13
Retail and business banking fees	12		10		6		6		8		8
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	11		10		2		2		8		6
Other customer-related fees	4		4		3		2		3		3
Total noninterest income from contracts with customers (ASC 606)	81		73		35		30		57		50
Other noninterest income (non-ASC 606 customer-related)	11		12		14		17		22		16
Total customer-related noninterest income	92		85		49		47		79		66
Other noncustomer-related noninterest income	3		—		2		2		—		1
Total noninterest income	95		85		51		49		79		67
Net interest income	326		315		271		263		232		231
Total net revenue	$	421	$	400	$	322	$	312	$	311	$	298
	NBAZ				NSB				Vectra
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	4	$	4	$	6	$	4	$	4	$	3
Card fees	7		5		7		6		4		3
Retail and business banking fees	5		4		6		5		2		2
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	2		1		2		2		1		1
Other customer-related fees	1		1		—		—		1		1
Total noninterest income from contracts with customers (ASC 606)	19		15		21		17		12		10
Other noninterest income (non-ASC 606 customer-related)	3		6		4		8		4		6
Total customer-related noninterest income	22		21		25		25		16		16
Other noncustomer-related noninterest income	1		1		—		—		—		—
Total noninterest income	23		22		25		25		16		16
Net interest income	106		105		77		73		68		68
Total net revenue	$	129	$	127	$	102	$	98	$	84	$	84
	TCBW				Other				Consolidated Bank
(In millions)	2022		2021		2022		2021		2022		2021
Commercial account fees	$	1	$	1	$	—	$	—	$	78	$	66
Card fees	1		1		—		—		72		63
Retail and business banking fees	—		—		1		—		40		35
Capital markets and foreign exchange fees	—		—		2		3		2		3
Wealth management fees	—		—		—		—		26		22
Other customer-related fees	—		—		18		13		30		24
Total noninterest income from contracts with customers (ASC 606)	2		2		21		16		248		213
Other noninterest income (non-ASC 606 customer-related)	1		1		(2)		(7)		57		59
Total customer-related noninterest income	3		3		19		9		305		272
Other noncustomer-related noninterest income	—		—		3		98		9		102
Total noninterest income	3		3		22		107		314		374
Net interest income	28		27		29		18		1,137		1,100
Total net revenue	$	31	$	30	$	51	$	125	$	1,451	$	1,474