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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________
COMMISSION FILE NUMBER 001-12307
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
(Exact name of registrant as specified in its charter)
United States of America
87-0189025
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
One South Main
Salt Lake City, Utah
84133-1109
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (801) 844-7637

Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading SymbolsName of Each Exchange on Which Registered
Common Stock, par value $0.001
ZIONThe NASDAQ Stock Market LLC
Depositary Shares each representing a 1/40th ownership interest in a share of:
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZIONP
The NASDAQ Stock Market LLC
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
ZIONO
The NASDAQ Stock Market LLC
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
ZIONL
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer ý Accelerated filer ¨ Non-accelerated filer ¨ Smaller reporting company Emerging growth company ¨
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Number of common shares outstanding at April 29, 2022                        151,358,748 shares

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Table of Contents

Page
Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 6.














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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
GLOSSARY OF ACRONYMS AND ABBREVIATIONS
ACLAllowance for Credit LossesIMGInternational Manufacturing Group
AFSAvailable-for-SaleIPOInitial Public Offering
ALLLAllowance for Loan and Lease LossesIRSInternal Revenue Service
AmegyAmegy Bank, a division of Zions Bancorporation, National AssociationLIBORLondon Interbank Offered Rate
AMERIBORAmerican Interbank Offered RateMunicipalitiesState and Local Governments
AOCIAccumulated Other Comprehensive IncomeNAICSNorth American Industry Classification System
ASCAccounting Standards CodificationNASDAQNational Association of Securities Dealers Automated Quotations
ASUAccounting Standards UpdateNBAZNational Bank of Arizona, a division of Zions Bancorporation, National Association
BOLIBank-Owned Life InsuranceNIMNet Interest Margin
bpsBasis PointsNMNot Meaningful
BSBYBloomberg Short-Term Bank YieldNSBNevada State Bank, a division of Zions Bancorporation, National Association
CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationOCCOffice of the Comptroller of the Currency
CCPACalifornia Consumer Privacy Act of 2018OCIOther Comprehensive Income
CECLCurrent Expected Credit LossOREOOther Real Estate Owned
CLTVCombined Loan-to-Value RatioPEIPrivate Equity Investment
CMT
Constant Maturity Treasury
PPNRPre-provision Net Revenue
CRECommercial Real EstatePPPPaycheck Protection Program
CVACredit Valuation AdjustmentROURight-of-Use
DTADeferred Tax AssetRULCReserve for Unfunded Lending Commitments
EaREarnings at RiskS&PStandard and Poor's
EPSEarnings per ShareSBAU.S. Small Business Administration
EVEEconomic Value of EquitySBICSmall Business Investment Company
FASBFinancial Accounting Standards BoardSECSecurities and Exchange Commission
FDICFederal Deposit Insurance CorporationSOFRSecured Overnight Financing Rate
FHLBFederal Home Loan BankTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FRBFederal Reserve BoardTDRTroubled Debt Restructuring
FTPFunds Transfer PricingU.K.United Kingdom
GAAPGenerally Accepted Accounting PrinciplesU.S.United States
HECLHome Equity Credit LineVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
HTMHeld-to-MaturityZions BankZions Bank, a division of Zions Bancorporation, National Association

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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
PART I.    FINANCIAL INFORMATION
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
FORWARD-LOOKING INFORMATION
This quarterly report includes “forward-looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties, and other factors that may cause our actual results, performance or achievements, industry trends, and results or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements include, among others:
statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Bancorporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and
statements preceded or followed by, or that include the words “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words and expressions.
These forward-looking statements are not guarantees, nor should they be relied upon as representing management’s views as of any subsequent date. Actual results and outcomes may differ materially from those presented. Although this list is not comprehensive, important factors that may cause material differences include changes in general industry and economic conditions, including inflation; changes and uncertainties in legislation and fiscal, monetary, regulatory, trade, and tax policies; changes in interest and reference rates; the quality and composition of our loan and securities portfolios; our ability to recruit and retain talent, including increased competition for qualified candidates as a result of expanded remote-work opportunities and increased compensation expenses; competitive pressures and other factors that may affect aspects of our business, such as pricing, demand for our products and services; our ability to execute our strategic plans, manage our risks, and achieve our business objectives; our ability to develop and maintain information security systems and controls designed to guard against fraud, cyber, and privacy risks; the effects of the COVID-19 pandemic (including variants) and associated actions that may affect our business, employees, and communities; other local, national, or international disasters, crises, or conflicts that may occur in the future; and governmental and social responses to environmental issues and climate change. These factors, risks, and uncertainties, among others, are discussed in our 2021 Form 10-K and subsequent filings with the Securities and Exchange Commission (“SEC”).
We caution against the undue reliance on forward-looking statements, which reflect our views only as of the date they are made. Except to the extent required by law, we specifically disclaim any obligation to update any factors or to publicly announce the revisions to any of the forward-looking statements included herein to reflect future events or developments.
GAAP to NON-GAAP RECONCILIATIONS
This Form 10-Q presents non-GAAP financial measures, in addition to generally accepted accounting principles (“GAAP”) financial measures, to provide investors with additional information. The adjustments to reconcile from the applicable GAAP financial measures to the non-GAAP financial measures are presented in the following schedules. We consider these adjustments to be relevant to ongoing operating results and to provide a meaningful base for period-to-period and company-to-company comparisons. We use these non-GAAP financial measures to assess our performance, financial position, and for presentations of our performance to investors. We believe that presenting these non-GAAP financial measures permits investors to assess our performance on the same basis as that applied by our management and the financial services industry.

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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Non-GAAP financial measures have inherent limitations and are not necessarily comparable to similar financial measures that may be presented by other financial services companies. Although non-GAAP financial measures are frequently used by stakeholders to evaluate a company, they have limitations as an analytical tool and should not be considered in isolation or as a substitute for analysis of results reported under GAAP.
Tangible Common Equity and Related Measures
Tangible common equity and related measures are non-GAAP measures that exclude the impact of intangible assets and their related amortization. We believe these non-GAAP measures provide useful information about our use of shareholders’ equity and provide a basis for evaluating the performance of a business more consistently, whether acquired or developed internally.
RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)
Three Months Ended
(Dollar amounts in millions)March 31,
2022
December 31,
2021
March 31,
2021
Net earnings applicable to common shareholders, net of tax
(a)$195 $207 $314 
Average common equity (GAAP)$6,700 $7,146 $7,333 
Average goodwill and intangibles(1,015)(1,015)(1,016)
Average tangible common equity (non-GAAP)(b)$5,685 $6,131 $6,317 
Number of days in quarter(c)90 92 90 
Number of days in year(d)365 365 365 
Return on average tangible common equity (non-GAAP)
(a/b/c)*d13.9 %13.4 %20.2 %
TANGIBLE EQUITY RATIO, TANGIBLE COMMON EQUITY RATIO, AND TANGIBLE BOOK VALUE PER COMMON SHARE (ALL NON-GAAP MEASURES)
(Dollar amounts in millions, except per share amounts)March 31,
2022
December 31,
2021
March 31,
2021
Total shareholders’ equity (GAAP)$6,294 $7,463 $7,933 
Goodwill and intangibles(1,015)(1,015)(1,016)
Tangible equity (non-GAAP)(a)5,279 6,448 6,917 
Preferred stock(440)(440)(566)
Tangible common equity (non-GAAP)(b)$4,839 $6,008 $6,351 
Total assets (GAAP)$91,126 $93,200 $85,121 
Goodwill and intangibles(1,015)(1,015)(1,016)
Tangible assets (non-GAAP)(c)$90,111 $92,185 $84,105 
Common shares outstanding (thousands)(d)151,348 151,625 163,800 
Tangible equity ratio (non-GAAP)(a/c)5.9 %7.0 %8.2 %
Tangible common equity ratio (non-GAAP)(b/c)5.4 %6.5 %7.6 %
Tangible book value per common share (non-GAAP)(b/d)$31.97 $39.62 $38.77 

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Efficiency Ratio and Adjusted Pre-Provision Net Revenue
The efficiency ratio is a measure of operating expense relative to revenue. We believe the efficiency ratio provides useful information regarding the cost of generating revenue. The methodology of determining the efficiency ratio may differ among companies. We make adjustments to exclude certain items that are not generally expected to recur frequently, as identified in the subsequent schedule, which we believe allow for more consistent comparability across periods. Adjusted noninterest expense provides a measure as to how well we are managing our expenses; adjusted pre-provision net revenue (“PPNR”) enables management and others to assess our ability to generate capital. Taxable-equivalent net interest income allows us to assess the comparability of revenue arising from both taxable and tax-exempt sources.
EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)
Three Months EndedYear Ended
(Dollar amounts in millions)March 31,
2022
December 31,
2021
March 31,
2021
December 31,
2021
Noninterest expense (GAAP)(a)$464 $449 $435 $1,741 
Adjustments:
Severance costs
— — — 
Other real estate expense, net
— — — 
Amortization of core deposit and other intangibles
— — 
Pension termination-related (income) expense 1
— — (5)(5)
SBIC investment success fee accrual 2
(1)— 
Total adjustments
(b)— (5)
Adjusted noninterest expense (non-GAAP)
(a-b)=(c)$464 $446 $440 $1,737 
Net interest income (GAAP)(d)$544 $553 $545 $2,208 
Fully taxable-equivalent adjustments
(e)10 32 
Taxable-equivalent net interest income (non-GAAP)
(d+e)=f552 563 553 2,240 
Noninterest income (GAAP)g142 190 169 703 
Combined income (non-GAAP)
(f+g)=(h)694 753 722 2,943 
Adjustments:
Fair value and nonhedge derivative gain (loss)
(1)18 14 
Securities gains (losses), net 2
(17)20 11 71 
Total adjustments
(i)(11)19 29 85 
Adjusted taxable-equivalent revenue (non-GAAP)
(h-i)=(j)$705 $734 $693 $2,858 
Pre-provision net revenue (non-GAAP)
(h)-(a)$230 $304 $287 $1,202 
Adjusted PPNR (non-GAAP)(j)-(c)241 288 253 1,121 
Efficiency ratio (non-GAAP) 3
(c/j)65.8 %60.8 %63.5 %60.8 %
1 Represents a valuation adjustment related to the termination of our defined benefit pension plan.
2 The success fee accrual is associated with the gains/(losses) from our SBIC investments. The gains/(losses) related to these investments are excluded from the efficiency ratio through securities gains, net.
3 Results for the first quarter of 2022 benefited from a one-time adjustment of approximately $6 million in commercial account fees. Excluding the $6 million adjustment, the efficiency ratio for the first quarter of 2022 would have been 66.4%.

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Comparisons noted below are calculated for the current quarter versus the same prior-year period unless otherwise specified. Growth rates of 100% or more are considered not meaningful (“NM”) as they generally reflect a low starting point.
RESULTS OF OPERATIONS
Executive Summary
Our financial results in the first quarter of 2022 reflected strong non-PPP loan growth, solid credit performance, and improving customer-related noninterest income. Diluted earnings per share (“EPS”) decreased to $1.27, compared with $1.90 in the first quarter of 2021.
Net interest income remained relatively stable at $544 million, as significant growth of $7.8 billion in average interest-earning assets was partially offset by net interest margin (“NIM”) compression arising from an increased concentration in cash and securities and the low interest rate environment. The NIM was 2.60% in the first quarter of 2022, compared with 2.86%.
Our results benefited from a negative $33 million provision for credit losses, reflecting improvements in economic forecasts and strong credit quality. This compares with a negative $132 million provision for credit losses in the first quarter of 2021. Net loan and lease charge-offs were $6 million, or 0.05% of average loans (ex-PPP), compared with net charge-offs of $8 million, or 0.07% of average loans (ex-PPP), in the prior year quarter.
Total customer-related noninterest income increased $18 million, or 14%, primarily due to improved card, retail and business banking, and wealth management activity. Total noninterest income decreased $27 million, or 16%, largely due to $17 million of negative mark-to-market adjustments during the quarter primarily relating to our Small Business Investment Company (“SBIC”) investment in Recursion Pharmaceuticals, Inc.
Total noninterest expense increased $29 million, or 7%. The increase was largely driven by a $24 million increase in salaries and benefits expense, which was impacted by (1) inflationary and competitive labor market pressures on wages and (2) increases in incentive compensation accruals arising from improvements in anticipated full-year profitability. Our efficiency ratio was 65.8%, compared with 63.5% for the first quarter of 2021.
The growth in average interest-earning assets was driven by a $9.4 billion increase in average available-for-sale (“AFS”) investment securities and a $1.2 billion increase in average money market investments. Over the past year, we actively deployed excess liquidity into medium-duration assets, as we sought to balance competing objectives of increasing current income, maintaining asset sensitivity to benefit from rising rates, and maintaining sufficient liquidity for loan growth and changes in deposit trends.
Excluding Paycheck Protection Program (“PPP”) loans, total loans and leases increased $3.2 billion, or 7%, to $50.2 billion. The increases were primarily in the commercial and industrial, commercial owner-occupied, municipal, and home equity credit line portfolios. Total loans and leases decreased $2.2 billion, or 4%, from the prior year quarter, primarily due to the forgiveness of PPP loans and a decline in 1-4 family residential mortgage loans.
Total deposits increased $8.5 billion, or 12%, from the prior year quarter, primarily due to a $6.1 billion increase in noninterest-bearing deposits.

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First Quarter 2022 Financial Performance
Net Earnings Applicable to Common Shareholders
(in millions)
Diluted EPSAdjusted PPNR
(in millions)
Efficiency Ratio
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Net earnings applicable to common shareholders decreased from the first quarter of 2021. The prior year quarter benefited from a negative $132 million provision for credit losses, compared with negative $33 million in the first quarter of 2022.
Diluted earnings per share declined from the first quarter of 2021 as a result of decreased net earnings, the effect of which was partially offset by a 12.2 million decrease in average diluted shares, primarily due to share repurchases.
Adjusted PPNR decreased $12 million from the first quarter of 2021, primarily due to the increase in adjusted noninterest expense, driven by increases in salaries and benefits expense, partially offset by increases in customer-related fee income.
The efficiency ratio increased from the prior year quarter, primarily as growth in adjusted noninterest expense due to the increase in salaries and benefits expense exceeded growth in adjusted revenue.
Net Interest Income and Net Interest Margin
Net interest income is the difference between interest earned on interest-earning assets and interest paid on interest-bearing liabilities, and was approximately 79% of our net revenue (net interest income plus noninterest income) for the quarter. The net interest margin is derived from both the amount of interest-earning assets and interest-bearing liabilities and their respective yields and rates.
NET INTEREST INCOME AND NET INTEREST MARGIN
Three Months Ended
March 31,
Amount changePercent change
(Dollar amounts in millions)20222021
Interest and fees on loans$437$488$(51)(10)%
Interest on money market investments63NM
Interest on securities1127141 58 
Total interest income
555562(7)(1)
Interest on deposits69(3)(33)
Interest on short- and long-term borrowings58(3)(38)
Total interest expense
1117(6)(35)
Net interest income
$544$545$(1)— %
Average interest-earning assets$86,093$78,294$7,799 10 %
Average interest-bearing liabilities$42,136$40,157$1,979 %
bps
Yield on interest-earning assets 1
2.65 %2.95 %(30)
Rate paid on total deposits and interest-bearing liabilities1
0.06 %0.09 %(3)
Cost of total deposits 1
0.03 %0.05 %(2)
Net interest margin 1
2.60 %2.86 %(26)
1 Rates are calculated using amounts in thousands; taxable-equivalent rates are used where applicable.

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Net interest income remained relatively stable at $544 million during the first quarter of 2022, as significant growth in average interest-earning assets was partially offset by NIM compression arising from an increased concentration in cash and securities and the low interest rate environment.
Average interest-earning assets increased $7.8 billion, or 10%, driven by growth of $9.4 billion in AFS securities, $2.3 billion in commercial loans (ex-PPP), and $1.2 billion in money market investments. These increases were partially offset by a $4.7 billion decline in average PPP loans. Average securities increased to 30% of average interest-earning assets, compared with 21%, as we actively deployed excess liquidity into medium duration assets.
The NIM was 2.60%, compared with 2.86%. The yield on average interest-earning assets was 2.65% in the first quarter of 2022, a decrease of 30 basis points (“bps”), primarily due to a decrease in the yield on loans. The average rate paid on interest-bearing liabilities decreased 6 bps to 0.11%.
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Average loans and leases (ex-PPP) increased $1.9 billion, or 4%, primarily in the commercial and industrial loan portfolio. Total average loans and leases decreased $2.8 billion, or 5%, from $53.7 billion in the first quarter of 2021, primarily due to the forgiveness of PPP loans and a decrease in 1-4 family residential mortgage loans. The decline in our mortgage loan portfolio is partly due to refinancing activity. We generally originate residential mortgage loans and sell them to government-sponsored entities as part of our interest rate risk management efforts to limit our balance sheet exposure to long-term assets.
The yield on total loans decreased 21 basis points to 3.52%. The yield on non-PPP loans decreased 26 basis points, primarily driven by (1) lower yields on loans originated during the past year, compared with yields on loans maturing and amortizing during the same period, and (2) promotional rates on commercial owner-occupied loans and home equity credit lines.
During the first quarter of 2022 and 2021, PPP loans totaling $0.8 billion and $1.6 billion, respectively, were forgiven by the Small Business Administration (“SBA”). PPP loans contributed $24 million and $60 million in interest income during the same time periods. The yield on these loans was 6.64% and 3.98% for the first quarter of 2022 and 2021, respectively, and was positively impacted by accelerated amortization of deferred fees on paid off or forgiven PPP loans. At March 31, 2022 and 2021, the remaining unamortized net deferred fees on these loans totaled $24 million and $168 million, respectively.
Average total deposits increased $10.2 billion to $81.6 billion at an average cost of 0.03%, from $71.4 billion at an average cost of 0.05% in the first quarter of 2021. Average interest-bearing liabilities increased $2.0 billion, or 5%.

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The rate paid on total deposits and interest-bearing liabilities was 0.06%, a decrease from 0.09% during the first quarter of 2021, which was primarily due to low interest-bearing deposit rates and strong noninterest-bearing deposit growth.
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Average AFS securities balances increased $9.3 billion, or 59%, from $15.9 billion, mainly due to an increase in our mortgage-backed securities portfolio. The yield on securities remained relatively stable at 1.78%.
Average borrowed funds decreased $1.0 billion, or 42%, from $2.4 billion, with both average short-term borrowings and average long-term borrowings decreasing $0.5 billion. The average rate paid on short-term borrowings remained stable at 0.08%, while the rate paid on long-term debt increased 36 bps from the prior year quarter, primarily due to lower-yielding senior debt that was redeemed or matured over the past few quarters. The decrease in overall borrowed funds continues to reflect strong deposit growth.
For further discussion of the effects of market rates on net interest income and how we manage interest rate risk, refer to the “Interest Rate and Market Risk Management” section on page 27. For more information on how we manage liquidity risk, refer to the “Liquidity Risk Management” section on page 31.
The following schedule summarizes the average balances, the amount of interest earned or paid, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities.

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CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES
(Unaudited)Three Months Ended
March 31, 2022
Three Months Ended
March 31, 2021
(Dollar amounts in millions)Average
balance
Amount of
interest
Average
yield/rate 1
Average
balance
Amount of
interest 1
Average
yield/rate 1
ASSETS
Money market investments:
Interest-bearing deposits$6,735 $0.19 %$4,592 $0.11 %
Federal funds sold and security resell agreements2,300 0.52 3,199 0.24 
Total money market investments9,035 0.27 7,791 0.16 
Securities:
Held-to-maturity438 3.12 663 2.98 
Available-for-sale25,246 106 1.71 15,876 66 1.69 
Trading account384 4.76 231 3.96 
Total securities 2
26,068 114 1.78 16,770 73 1.77 
Loans held for sale57 — 1.92 68 — 2.81 
Loans and leases 3
Commercial - excluding PPP loans27,037 236 3.54 24,732 234 3.83 
Commercial - PPP loans1,459 24 6.64 6,135 60 3.98 
Commercial real estate12,171 101 3.37 12,133 105 3.50 
Consumer10,266 82 3.23 10,665 95 3.59 
Total loans and leases50,933 443 3.52 53,665 494 3.73 
Total interest-earning assets86,093 563 2.65 78,294 570 2.95 
Cash and due from banks625 614 
Allowance for credit losses on loans and debt securities(515)(774)
Goodwill and intangibles1,015 1,016 
Other assets4,211 3,930 
Total assets$91,429 $83,080 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market$39,132 $0.05 %$35,232 $0.07 %
Time1,587 0.26 2,491 0.55 
Total interest-bearing deposits40,719 0.06 37,723