Revenue Recognition (Tables)

12 Months Ended

Dec. 31, 2021

Revenue Recognition and Deferred Revenue [Abstract]

Disaggregation of Revenue

The schedule below presents noninterest income and net revenue by operating business segments. 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						Amegy						CB&T
(In millions)	2021		2020		2019		2021		2020		2019		2021		2020		2019
Commercial account fees	$	45	$	42	$	41	$	38	$	37	$	34	$	25	$	22	$	23
Card fees	58		49		51		29		24		28		17		14		16
Retail and business banking fees	23		21		23		15		15		17		12		11		13
Capital markets and foreign exchange fees	—		(1)		—		2		5		6		—		—		—
Wealth management fees	21		17		16		13		10		8		5		4		4
Other customer-related fees	7		8		3		6		7		5		4		5		2
Total noninterest income from contracts with customers (ASC 606)	154		136		134		103		98		98		63		56		58
Other noninterest income (Non-ASC 606 customer related)	21		23		12		36		34		40		34		36		28
Total customer-related fees	175		159		146		139		132		138		97		92		86
Other noninterest income (noncustomer-related)	10		(1)		1		2		1		—		5		3		2
Total noninterest income	185		158		147		141		133		138		102		95		88
Other real estate owned gain from sale	—		—		3		—		—		—		—		1		—
Net interest income	634		650		688		463		485		489		537		512		512
Total income less interest expense	$	819	$	808	$	838	$	604	$	618	$	627	$	639	$	608	$	600

	NBAZ						NSB						Vectra
(In millions)	2021		2020		2019		2021		2020		2019		2021		2020		2019
Commercial account fees	$	7	$	7	$	7	$	9	$	8	$	8	$	7	$	6	$	6
Card fees	11		10		11		12		10		12		6		5		6
Retail and business banking fees	9		8		8		10		9		11		4		4		5
Capital markets and foreign exchange fees	—		—		—		—		—		—		—		—		—
Wealth management fees	3		2		2		4		3		3		2		1		2
Other customer-related fees	1		1		1		1		1		1		2		3		—
Total noninterest income from contracts with customers (ASC 606)	31		28		29		36		31		35		21		19		19
Other noninterest income (Non-ASC 606 customer related)	13		12		12		14		12		8		12		13		7
Total customer-related fees	44		40		41		50		43		43		33		32		26
Other noninterest income (noncustomer-related)	2		1		1		—		—		—		—		—		—
Total noninterest income	46		41		42		50		43		43		33		32		26
Other real estate owned gain from sale	—		—		—		—		—		1		—		—		—
Net interest income	205		216		223		147		146		148		136		135		135
Total income less interest expense	$	251	$	257	$	265	$	197	$	189	$	192	$	169	$	167	$	161

	TCBW						Other						Consolidated Bank
(In millions)	2021		2020		2019		2021		2020		2019		2021		2020		2019
Commercial account fees	$	2	$	1	$	2	$	1	$	2	$	—	$	134	$	125	$	121
Card fees	1		1		1		1		—		2		135		113		127
Retail and business banking fees	—		—		—		—		—		1		73		68		78
Capital markets and foreign exchange fees	—		—		—		7		8		7		9		12		13
Wealth management fees	—		—		1		(2)		1		(2)		46		38		34
Other customer-related fees	1		1		—		30		20		29		52		46		41
Total noninterest income from contracts with customers (ASC 606)	4		3		4		37		31		37		449		402		414
Other noninterest income (Non-ASC 606 customer related)	2		2		1		(6)		15		3		126		147		111
Total customer-related fees	6		5		5		31		46		40		575		549		525
Other noninterest income (noncustomer-related)	—		—		—		109		21		33		128		25		37
Total noninterest income	6		5		5		140		67		73		703		574		562
Other real estate owned gain from sale	—		—		—		—		—		—		—		1		4
Net interest income	54		52		53		32		20		24		2,208		2,216		2,272
Total income less interest expense	$	60	$	57	$	58	$	172	$	87	$	97	$	2,911	$	2,791	$	2,838

Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is typically insignificant.