Revenue Recognition (Tables)

9 Months Ended

Sep. 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 September 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	$	12	$	11	$	10	$	9	$	7	$	5
Card fees	15		12		8		6		4		3
Retail and business banking fees	6		5		4		4		3		3
Capital markets and foreign exchange fees	—		—		1		1		—		—
Wealth management fees	5		5		3		2		2		1
Other customer-related fees	2		2		1		2		1		1
Total noninterest income from contracts with customers (ASC 606)	40		35		27		24		17		13
Other noninterest income (non-ASC 606 customer-related)	4		5		10		8		6		8
Total customer-related fees	44		40		37		32		23		21
Other noninterest income (noncustomer-related)	(1)		—		—		—		2		1
Total noninterest income	43		40		37		32		25		22
Other real estate owned gain from sale	—		—		—		—		—		1
Net interest income	161		162		117		121		135		129
Total income less interest expense	$	204	$	202	$	154	$	153	$	160	$	152
	NBAZ				NSB				Vectra
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	2	$	2	$	3	$	2	$	2	$	2
Card fees	3		2		3		3		2		1
Retail and business banking fees	2		2		3		2		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)	8		7		10		8		6		5
Other noninterest income (non-ASC 606 customer-related)	4		2		3		2		2		3
Total customer-related fees	12		9		13		10		8		8
Other noninterest income (noncustomer-related)	1		—		—		—		—		—
Total noninterest income	13		9		13		10		8		8
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	50		54		38		37		34		34
Total income less interest expense	$	63	$	63	$	51	$	47	$	42	$	42
	TCBW				Other				Consolidated Bank
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	1	$	—	$	(3)	$	1	$	34	$	32
Card fees	—		—		—		1		35		28
Retail and business banking fees	—		—		1		—		20		17
Capital markets and foreign exchange fees	—		—		1		2		2		3
Wealth management fees	—		—		—		(1)		12		9
Other customer-related fees	—		—		9		6		14		12
Total noninterest income from contracts with customers (ASC 606)	1		—		8		9		117		101
Other noninterest income (non-ASC 606 customer-related)	—		1		5		9		34		38
Total customer-related fees	1		1		13		18		151		139
Other noninterest income (noncustomer-related)	—		—		(14)		17		(12)		18
Total noninterest income	1		1		(1)		35		139		157
Other real estate owned gain from sale	—		—		—		—		—		1
Net interest income	12		13		8		5		555		555
Total income less interest expense	$	13	$	14	$	7	$	40	$	694	$	713

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

	Zions Bank				Amegy				CB&T
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	34	$	31	$	28	$	28	$	19	$	17
Card fees	42		36		21		18		12		10
Retail and business banking fees	17		15		11		11		9		8
Capital markets and foreign exchange fees	—		(1)		2		4		—		—
Wealth management fees	15		13		9		8		4		3
Other customer-related fees	5		6		4		5		3		4
Total noninterest income from contracts with customers (ASC 606)	113		100		75		74		47		42
Other noninterest income (non-ASC 606 customer-related)	16		17		27		25		23		23
Total customer-related fees	129		117		102		99		70		65
Other noninterest income (noncustomer-related)	(1)		(1)		2		—		4		1
Total noninterest income	128		116		104		99		74		66
Other real estate owned gain from sale	—		—		—		—		—		1
Net interest income	477		491		350		368		399		381
Total income less interest expense	$	605	$	607	$	454	$	467	$	473	$	448
	NBAZ				NSB				Vectra
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	5	$	5	$	7	$	6	$	5	$	5
Card fees	8		7		9		7		5		4
Retail and business banking fees	7		6		8		7		3		3
Capital markets and foreign exchange fees	—		—		—		—		—		—
Wealth management fees	2		2		3		3		1		1
Other customer-related fees	1		1		—		—		2		2
Total noninterest income from contracts with customers (ASC 606)	23		21		27		23		16		15
Other noninterest income (non-ASC 606 customer-related)	10		9		11		8		8		9
Total customer-related fees	33		30		38		31		24		24
Other noninterest income (noncustomer-related)	2		—		—		—		—		—
Total noninterest income	35		30		38		31		24		24
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	155		162		111		110		103		101
Total income less interest expense	$	190	$	192	$	149	$	141	$	127	$	125
	TCBW				Other				Consolidated Bank
(In millions)	2021		2020		2021		2020		2021		2020
Commercial account fees	$	1	$	1	$	1	$	—	$	100	$	93
Card fees	1		1		—		—		98		83
Retail and business banking fees	—		—		(1)		—		54		50
Capital markets and foreign exchange fees	—		—		4		6		6		9
Wealth management fees	—		—		—		(2)		34		28
Other customer-related fees	1		1		22		16		38		35
Total noninterest income from contracts with customers (ASC 606)	3		3		26		20		330		298
Other noninterest income (non-ASC 606 customer-related)	1		1		(3)		21		93		113
Total customer-related fees	4		4		23		41		423		411
Other noninterest income (noncustomer-related)	—		—		83		(3)		90		(3)
Total noninterest income	4		4		106		38		513		408
Other real estate owned gain from sale	—		—		—		—		—		1
Net interest income	40		39		20		13		1,655		1,665
Total income less interest expense	$	44	$	43	$	126	$	51	$	2,168	$	2,074