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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 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
Series H 5.75% Non-Cumulative Perpetual Preferred Stock
ZIONN
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 22, 2021                        163,815,613 shares
1


ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
Table of Contents


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













2


Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
GLOSSARY OF ACRONYMS
ACLAllowance for Credit LossesHTMHeld-to-Maturity
AFSAvailable-for-SaleIMGInternational Manufacturing Group
ALCOAsset/Liability CommitteeIOSCO International Organization of Securities Commissions
ALLLAllowance for Loan and Lease LossesIPOInitial Public Offering
ALMAsset Liability ManagementLIBORLondon Interbank Offered Rate
AmegyAmegy Bank, a division of Zions Bancorporation, National AssociationMD&AManagement’s Discussion and Analysis
AOCIAccumulated Other Comprehensive IncomeMunicipalitiesState and Local Governments
ASCAccounting Standards CodificationNASDAQNational Association of Securities Dealers Automated Quotations
ASUAccounting Standards UpdateNBAZNational Bank of Arizona, a division of Zions Bancorporation, National Association
bpsbasis pointsNIMNet Interest Margin
CB&TCalifornia Bank & Trust, a division of Zions Bancorporation, National AssociationNSBNevada State Bank, a division of Zions Bancorporation, National Association
CECLCurrent Expected Credit LossOCIOther Comprehensive Income
CET1Common Equity Tier 1 (Basel III)OREOOther Real Estate Owned
CFPBConsumer Financial Protection BureauPEIPrivate Equity Investment
CLTVCombined Loan-to-Value RatioPPNRPre-provision Net Revenue
COSOCommittee of Sponsoring Organizations of the Treadway CommissionPPPPaycheck Protection Program
CRECommercial Real EstatePPPLFPayroll Protection Program Liquidity Facility
CVACredit Valuation AdjustmentROCRisk Oversight Committee
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection ActROURight-of-Use
DTADeferred Tax AssetRULCReserve for Unfunded Lending Commitments
DTLDeferred Tax LiabilityS&PStandard and Poor's
EaREarnings at RiskSBASmall Business Administration
ERMEnterprise Risk ManagementSBICSmall Business Investment Company
EVEEconomic Value of Equity at RiskSECSecurities and Exchange Commission
FASBFinancial Accounting Standards BoardTCBWThe Commerce Bank of Washington, a division of Zions Bancorporation, National Association
FCAFinancial Conduct AuthorityTDRTroubled Debt Restructuring
FDICFederal Deposit Insurance CorporationTier 1Common Equity Tier 1 (Basel III) and Additional Tier 1 Capital
FDICIAFederal Deposit Insurance Corporation Improvement ActU.S.United States
FHLBFederal Home Loan BankVectraVectra Bank Colorado, a division of Zions Bancorporation, National Association
FTPFunds Transfer PricingZions Bancorporation, N.A.Zions Bancorporation, National Association
GAAPGenerally Accepted Accounting PrinciplesZions BankZions Bank, a division of Zions Bancorporation, National Association
HECLHome Equity Credit Line

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Table of Contents
ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES
PART I.    FINANCIAL INFORMATION
ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
FORWARD-LOOKING INFORMATION
This quarterly report on Form 10-Q 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, market trends, industry results or regulatory outcomes to differ materially from those expressed or implied by such forward-looking statements. 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 by, 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 of future performance, 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, either expressed or implied, due to various factors including, but not limited to, those presented in Management’s Discussion and Analysis of Financial Condition and Results of Operations and Risk Factors in our 2020 Form 10-K.
Although there can be no assurance that any list of risks and uncertainties is complete, important factors that may cause such material differences include changes in general economic, regulatory, and industry conditions; changes and uncertainties in fiscal, monetary, regulatory, trade and tax policies and legislative and regulatory changes, including the broad changes that often occur as a result of a new presidential administration; changes in interest rates and uncertainty regarding the transition away from the London Interbank Offered Rate (“LIBOR”) toward other alternative reference rates; the quality and composition of our loan and securities portfolios; competitive pressures and other factors that may affect aspects of our business, such as pricing and 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; and the effects of the COVID-19 pandemic or other national or international catastrophes or conflicts that may occur in the future and governmental responses to such matters.
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 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 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 further believe that presenting these non-GAAP financial measures will permit investors to assess our performance on the same basis as that applied by us and the banking industry.
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Non-GAAP financial measures have inherent limitations and are not required to be uniformly applied across the financial services industry. 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. The following are non-GAAP financial measures presented in this Form 10-Q, together with a discussion of the reasons why we use these non-GAAP measures:
Return on Average Tangible Common Equity – this schedule also includes net earnings applicable to common shareholders, excluding the effects of any adjustments, net of tax, and average tangible common equity. Return on average tangible common equity is a non-GAAP financial measure that we believe provides useful information to us and others about our use of shareholders’ equity. We believe the use of ratios that utilize tangible equity provides additional useful information about performance because they present measures of those assets that can generate income.
RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)
Three Months Ended
(Dollar amounts in millions)March 31,
2021
December 31,
2020
March 31,
2020
Net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax (non-GAAP) 1
(a)$314 $275 $
Average common equity (GAAP)$7,333 $7,166 $6,924 
Average goodwill and intangibles(1,016)(1,016)(1,014)
Average tangible common equity (non-GAAP)(b)$6,317 $6,150 $5,910 
Number of days in quarter(c)90 92 91 
Number of days in year(d)365 366 366 
Return on average tangible common equity (non-GAAP)
(a/b/c)*d20.2 %17.8 %0.4 %
1 For all periods presented, no adjustments were made related to the amortization of core deposits and other intangibles.
Tangible Equity Ratio, Tangible Common Equity Ratio, and Tangible Book Value per Common Share – this schedule also includes “tangible equity,” “tangible common equity,” and “tangible assets.” Tangible equity ratio, tangible common equity ratio, and tangible book value per common share are non-GAAP financial measures that we believe provide additional useful information about the levels of tangible assets and tangible equity. We believe the use of ratios that utilize tangible equity provides additional useful information about capital adequacy because the ratios present measures of those assets that can generate income.
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,
2021
December 31,
2020
March 31,
2020
Total shareholders’ equity (GAAP)$7,933 $7,886 $7,472 
Goodwill and intangibles(1,016)(1,016)(1,014)
Tangible equity (non-GAAP)(a)6,917 6,870 6,458 
Preferred stock(566)(566)(566)
Tangible common equity (non-GAAP)(b)$6,351 $6,304 $5,892 
Total assets (GAAP)$85,121 $81,479 $71,467 
Goodwill and intangibles(1,016)(1,016)(1,014)
Tangible assets (non-GAAP)(c)$84,105 $80,463 $70,453 
Common shares outstanding (thousands)(d)163,800 164,090 163,852 
Tangible equity ratio (non-GAAP)(a/c)8.2 %8.5 %9.2 %
Tangible common equity ratio (non-GAAP)(b/c)7.6 %7.8 %8.4 %
Tangible book value per common share (non-GAAP)(b/d)$38.77 $38.42 $35.96 
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Efficiency Ratio and Adjusted Pre-Provision Net Revenue – this schedule also includes “adjusted noninterest expense,” “taxable-equivalent net interest income,” “adjusted taxable-equivalent revenue,” and “pre-provision net revenue” (“PPNR”). The methodology of determining the efficiency ratio may differ among companies. We make adjustments to exclude certain items, as identified in the subsequent schedule, which we believe allow for more consistent comparability among periods. We believe the efficiency ratio provides useful information regarding the cost of generating revenue. Adjusted noninterest expense provides a measure as to how well we are managing our expenses, and adjusted PPNR enables us and others to assess our ability to generate capital to cover credit losses through a credit cycle. 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,
2021
December 31,
2020
March 31,
2020
December 31,
2020
Noninterest expense (GAAP)(a)$435 $424 $408 $1,704 
Adjustments:
Severance costs
— — 
Other real estate expense, net
— — 
Amortization of core deposit and other intangibles
— — — — 
Restructuring costs
— (1)
Pension termination-related (income) expense
(5)— — 28 
Total adjustments
(b)(5)31 
Adjusted noninterest expense (non-GAAP)
(a-b)=(c)$440 $423 $407 $1,673 
Net interest income (GAAP)(d)$545 $550 $548 $2,216 
Fully taxable-equivalent adjustments
(e)27 
Taxable-equivalent net interest income (non-GAAP)
(d+e)=f553 557 555 2,243 
Noninterest income (GAAP)g169 166 134 574 
Combined income (non-GAAP)
(f+g)=(h)722 723 689 2,817 
Adjustments:
Fair value and nonhedge derivative gain (loss)
18 (11)(6)
Securities gains (losses), net
11 12 (6)
Total adjustments
(i)29 20 (17)
Adjusted taxable-equivalent revenue (non-GAAP)
(h-i)=(j)$693 $703 $706 $2,816 
Pre-provision net revenue (PPNR) (non-GAAP)
(h)-(a)$287 $299 $281 $1,113 
Adjusted PPNR (non-GAAP)(j)-(c)253 280 299 1,143 
Efficiency ratio (non-GAAP)(c/j)63.5 %60.2 %57.7 %59.4 %

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RESULTS OF OPERATIONS
Executive Summary
The financial performance in the first quarter of 2021 reflected an improving credit environment and outlook, which resulted in minimal net charge-offs and a substantial reversal of loan loss provisions made in prior quarters due to the COVID-19 pandemic. Diluted earnings per share in first quarter of 2021 increased to $1.90, compared with $0.04 in the first quarter of 2020.
Compared with the first quarter of 2020, net interest income decreased $3 million, or 1%, to $545 million, as the adverse impact of lower interest rates was offset by average interest-earning asset growth of $12.9 billion, which included $6.1 billion of U.S. Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”) loans. Net loan and lease charge-offs were $8 million, or 0.06% of average loans in the first quarter of 2021, and excluding PPP loans, they were 0.07%. Customer-related fee income decreased by $10 million, or 7%, primarily due to lower customer interest rate swap fees. Total noninterest expense increased by $27 million, or 7%, primarily due to increases in long-term incentive compensation and PPP-related professional and legal services.
Total deposits increased $16.3 billion, or 28%, primarily due to government stimulus programs. Total loans and leases increased $3.6 billion, or 7%, due to PPP loan originations. Excluding PPP loans, total loans and leases decreased $2.9 billion, or 6%, as the economic environment and an abundance of liquidity in the marketplace continued to reduce overall loan demand. The deposit-driven excess liquidity on our balance sheet has been challenging to deploy profitably in the low interest rate environment and our customers have had minimal need for traditional bank credit. We continue to look for suitable investments to act as an interest-earning asset bridge until loan demand returns.
SBA Paycheck Protection Program
During first quarter of 2021, we continued to provide assistance to many small businesses through the PPP, which was extended until May 31, 2021. Designed to address the effects of the COVID-19 pandemic, this program provides small businesses with funds to be used for specific expenses, such as payroll, as defined by the SBA. Since the inception of the program in the first quarter of 2020, we have processed nearly $10 billion of PPP loans for approximately 73,000 customers, which included more than 18,000 new customers. We continue to work diligently to solidify those new relationships. As of March 31, 2021, we ranked as the tenth largest originator of PPP loans by dollar volume, as disclosed by the SBA.
The following schedule presents additional information related to our PPP loans.
PPP LOANS
Three Months EndedYear Ended
March 31, 2021December 31, 2020Total
(in billions)
Balance of loan originations during the period$2.6 $7.3 $9.9 
Balance of loans forgiven by the SBA1 during the period
1.6 1.3 2.9 
(in millions)
Interest and amortization of fees29 120 149 
Accelerated recognition of unamortized net origination fees 2
31 26 57 
Total interest income related to PPP loans$60 $146 $206 
Total unamortized net origination fees, at period end$168 $102 
Loan yield3.98 %3.22 %
1 As of March 31, 2021, no PPP loans from Round 2021 had been forgiven.
2 When a loan is paid off or forgiven by the SBA prior to its maturity date, the remaining net unamortized deferred fees are accelerated and recognized into interest income at that time, impacting the PPP loan portfolio yield in that period.
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First Quarter 2021 Financial Performance
Net Earnings Applicable to Common Shareholders
(in millions)
Diluted EPSAdjusted PPNR
(in millions)
Efficiency ratio
Net earnings applicable to common shareholders increased from the first quarter of 2020, primarily due to a negative $132 million provision for credit losses. The negative provision for credit losses was driven by a decrease in the ACL due to an improvement in the economic outlook, compared with the more stressed economic outlook at the outset of the COVID-19 pandemic.
Diluted earnings per share increased from the first quarter of 2020 as a result of increased earnings and a 5% decrease in average diluted shares, primarily due to the out-of-the-money expiration of 29.2 million ZIONW warrants in 2020.
Adjusted PPNR declined $46 million from the first quarter of 2020. Customer-related fees decreased by $10 million, primarily due to lower customer interest rate swap fees. Noninterest expense increased $27 million primarily due to increases in long-term incentive compensation and PPP-related professional and legal services.
The increase in our efficiency ratio is primarily a result of increased noninterest expense, mainly related to long-term incentive compensation, and lower interest income due to the low interest rate environment.

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 is approximately 76% of our net revenue. Net interest income is derived from both the volume of interest-earning assets and interest-bearing liabilities and their respective yields and rates.














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NET INTEREST INCOME AND NET INTEREST MARGIN
Three Months Ended
March 31,
Amount changePercent change
(In millions)20212020
Interest and fees on loans$488$532$(44)(8)%
Interest on money market investments38(5)(63)
Interest on securities7182(11)(13)
Total interest income
562622(60)(10)
Interest on deposits951(42)(82)
Interest on short- and long-term borrowings823(15)(65)
Total interest expense
1774(57)(77)
Net interest income
$545$548$(3)(1)%
Average interest-earning assets$78,294$65,363$12,931 20 %
Average interest-bearing liabilities$40,157$37,979$2,178 %
bps
Yield on interest-earning assets1
2.95 %3.87 %(92)
Rate paid on total deposits and interest-bearing liabilities1
0.09 %0.48 %(39)
Cost of total deposits1
0.05 %0.36 %(31)
Net interest margin1
2.86 %3.41 %(55)
1Rates are calculated using amounts in thousands and taxable-equivalent rates are used where applicable.
Net interest income decreased $3 million, or 1%, primarily due to the lower interest rate environment, which contributed to a $44 million decrease in interest and fees on loans and an $11 million decrease in interest on securities. Interest expense decreased $57 million, or 77%, due to a $42 million decline in interest paid on deposits and a $15 million decline in interest paid on short- and long-term borrowings, both of which were impacted by lower interest rates, reduced competitive pricing pressure for deposits, and reduced balances of borrowed funds, given strong deposit growth.
The net interest margin compressed to 2.86% in the first quarter of 2021, compared with 3.41% in the first quarter of 2020. The yield on average interest-earning assets was 2.95% in the first quarter of 2021, a decrease of 92 bps, compared with the first quarter of 2020. Approximately 22 bps of the decrease was due to growth in low-yielding money market investments. Yields on loans and securities decreased by 69 bps and 57 bps, respectively, while rates paid on deposits and borrowed funds decreased by 52 bps and 67 bps, respectively. The impact of lower interest rates was partially offset by loan growth from PPP loans, and a shift in liability balances from borrowed funds to lower-cost deposits. Excluding the effect of the PPP loans, the NIM may continue to compress over the next several quarters, primarily due to continued repricing of loans, deposit growth potentially exceeding loan demand, and further shifts in interest-earning asset composition towards lower-yielding securities and money market investments.
Average interest-earning assets increased $12.9 billion, or 20%, from the first quarter of 2020, and included $6.1 billion of PPP loans. Average money market investments, including short-term deposits held at the Federal Reserve, increased $5.8 billion to equal 10% of average interest-earning assets in the first quarter of 2021, compared with 3% in the same prior year period. The increase in average money market investments is primarily attributable to deposit growth outpacing loan growth due to government stimulus programs and the resulting abundance of liquidity in the marketplace.
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Average loans and leases increased $4.9 billion, or 10%, to $53.7 billion in the first quarter of 2021, from $48.8 billion in the first quarter of 2020, primarily due to the origination of PPP loans. The yield on loans and leases decreased 69 bps from the first quarter of 2020, or 73 bps when excluding PPP loans. These decreases were primarily due to lower benchmark interest rates, but also reflected continued pricing pressure, in view of surplus market liquidity. The yield on non-PPP loans originated during the first quarter of 2021 was moderately less than the yield on loans maturing or otherwise paying down.
Average available-for-sale (“AFS”) securities balances increased $2.2 billion, or 16%, to $15.9 billion in the first quarter of 2021, from $13.7 billion in the first quarter of 2020. The yield on securities decreased 57 bps from the same prior year period. The yield on securities purchased during the first quarter of 2021 was significantly lower than the yield on securities that paid off or paid down. We purchased $2.7 billion of AFS securities during the first quarter of 2021 with an average yield of 1.3%. Principal repayment volume on AFS securities during the first quarter of 2021 was $1.4 billion, or 9% of the December 31, 2020 balance. Given our current excess liquidity, we anticipate security purchases to exceed runoff by similar amounts over the next few quarters.
Average interest-bearing liabilities increased $2.2 billion, or 6%, and the average rate paid on interest-bearing liabilities decreased 61 bps to 0.17% during the first quarter of 2021. The rate paid on total deposits and interest-bearing liabilities was 0.09% during the first quarter of 2021, a decrease from 0.48% during the first quarter of 2020, which was primarily due to lower benchmark interest rates and strong deposit growth.
Average total deposits were $71.4 billion at an average cost of 0.05% for the first quarter of 2021, compared with $56.9 billion at an average cost of 0.36% for the first quarter of 2020. The 31 bps decline in the cost of total deposits was primarily due to lower benchmark interest rates, growth in noninterest-bearing deposits, and reduced competitive pricing pressure.
Average interest-bearing deposits grew 13% to $37.7 billion at an average cost of 10 bps for the first quarter of 2021, compared with $33.3 billion at an average cost of 62 bps for the same prior year period. Although we consider a wide variety of sources when determining our funding needs, we benefit from access to deposits from a significant number of small- to mid-sized business customers, which provides us with a low cost of funds that has a positive impact on our NIM. Because many of our deposit accounts are of an operating nature for businesses and households, we expect our noninterest-bearing deposits to remain a competitive advantage. Average noninterest-bearing demand deposits increased $10.1 billion, or 43%, from the first quarter of 2020. Average noninterest-
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bearing deposits comprised 47% and 41% of average total deposits for the first quarter of 2021 and 2020, respectively. The net positive impact of noninterest-bearing sources of funds on the NIM was 0.08% during the first quarter of 2021, compared with 0.32% during the first quarter of 2020, reflecting the decline in benchmark interest rates.
Average borrowed funds decreased $2.2 billion from the first quarter of 2020, with average short-term borrowings decreasing $1.8 billion, and average long-term borrowings decreasing $0.4 billion from the same prior year period, reflecting less reliance on borrowed funds due to strong deposit growth. The average rate paid on short-term borrowings and long-term debt decreased 112 bps and 91 bps, respectively, from the first quarter of 2020.
The spread on average interest-bearing funds was 2.78% and 3.09% for the first quarter of 2021 and 2020, respectively, and was affected by the same factors that impacted the NIM. Interest rate spreads and margins are impacted by the composition of our loan and securities portfolios as well as the type of funding used. For information regarding how we manage interest rate risk, see “Interest Rate and Market Risk Management” on page 26.
The following schedule summarizes the average balances, the amount of interest earned or incurred, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities that generate taxable-equivalent net interest income.
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CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES
(Unaudited)Three Months Ended
March 31, 2021
Three Months Ended
March 31, 2020
(Dollar amounts in millions)Average
balance
Amount of
interest 1
Average
yield/rate
Average
balance
Amount of
interest 1
Average
yield/rate
ASSETS
Money market investments$7,791 $0.16 %$2,013 $1.52 %
Securities:
Held-to-maturity663 2.98 593 3.72 
Available-for-sale15,876 66 1.69 13,687 77 2.26 
Trading account231 3.96 164 4.27 
Total securities 2
16,770 73 1.77 14,444 84 2.34 
Loans held for sale68 — 2.81 109 3.14 
Loans and leases 3
Commercial - excluding PPP loans24,732 234 3.83 25,514 287 4.53 
Commercial - PPP loans6,135 60 3.98 — — — 
Commercial real estate12,133 105 3.50 11,546 133 4.62 
Consumer10,665 95 3.59 11,737 116 3.99 
Total loans and leases53,665 494 3.73 48,797 536 4.42 
Total interest-earning assets78,294 570 2.95 65,363 629 3.87 
Cash and due from banks614 676 
Allowance for credit losses on loans and debt securities(774)(499)
Goodwill and intangibles1,016 1,014 
Other assets3,930 3,651 
Total assets$83,080 $70,205 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market$35,232 $0.07 %$28,856 $33 0.47 %
Time2,491 0.55 4,454 18 1.61 
Total interest-bearing deposits37,723 0.10 33,310 51 0.62 
Borrowed funds:
Federal funds purchased and other short-term borrowings
1,110 — 0.07 2,922 1.19 
Long-term debt1,324 2.30 1,747 14 3.21 
Total borrowed funds2,434 1.28 4,669 23 1.95 
Total interest-bearing liabilities40,157 17 0.17 37,979 74 0.78 
Noninterest-bearing demand deposits33,723 23,599 
Other liabilities1,301 1,137 
Total liabilities75,181 62,715 
Shareholders’ equity:
Preferred equity566 566 
Common equity7,333 6,924 
Total shareholders’ equity7,899 7,490 
Total liabilities and shareholders’ equity$83,080 $70,205 
Spread on average interest-bearing funds2.78 %3.09