Zions Bancorporation Financials


Zions Bancorporation has total assets of $54,593 million and year-to-date net operating income of $317 million. Zions Bancorporation financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	29,182	53.45%	4,750,985	34.90%
1-4 Family Residential Mortgages	6,262	11.47%	2,754,199	20.23%
First Lien	3,845	7.04%	1,864,576	13.70%
Second Lien	399	0.73%	237,504	1.74%
Home Equity Lines	2,019	3.70%	652,119	4.79%
Multifamily Residential	690	1.26%	205,193	1.51%
Nonfarm Residential	13,184	24.15%	1,043,393	7.66%
Construction and Development	8,900	16.30%	617,055	4.53%
Farmland Loans	146	0.27%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	10,655	19.52%	1,510,091	11.09%
Loans to Individuals	753	1.38%	1,082,731	7.95%
Credit Cards	116	0.21%	411,627	3.02%
Farm Loans	212	0.39%	59,656	0.44%
Other Loans and Leases	1,055	1.93%	595,646	4.38%
Less: Unearned Income	1	0.00%	2,741	0.02%
Total Loans and Leases	41,856	76.67%	8,000,084	58.77%
Less: Reserve for Losses	610	1.12%	156,065	1.15%
Net Loans and Leases	41,247	75.55%	7,844,019	57.62%
Securities	4,794	8.78%	2,027,739	14.90%
Other Real Estate Owned	157	0.29%	22,966	0.17%
Goodwill and Intangibles	2,128	3.90%	484,178	3.56%
All Other Assets	6,268	11.48%	3,207,062	23.56%
Total Assets	$54,593	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	39,403	72.18%	8,749,418	64.27%
Domestic Deposits	35,833	65.64%	7,230,058	53.11%
Transaction Accounts	2,743	5.03%	809,200	5.94%
Nontransaction Accounts	33,090	60.61%	6,420,965	47.17%
Money Market	18,652	34.17%	2,798,868	20.56%
Other Savings Accounts	6,473	11.86%	841,348	6.18%
Time Deposits	7,965	14.59%	2,773,205	20.37%
Foreign Deposits	3,570	6.54%	1,519,360	11.16%
Federal Funds Purchased	2,746	5.03%	936,578	6.88%
Trading Liabilities	136	0.25%	356,967	2.62%
Subordinated Debt	1,380	2.53%	176,833	1.30%
Other Borrowed Funds	4,581	8.39%	1,684,829	12.38%
All Other Liabilities	683	1.25%	401,428	2.95%
Equity Capital	5,664	10.38%	1,307,097	9.60%
Total Liabilities and Capital	$54,593	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	2,251	5.50%	487,019	4.77%
Total Interest Expense	768	1.88%	207,949	2.04%
Net Interest Income	1,483	3.62%	279,070	2.73%
Provision for Loan and Lease Losses	363	0.89%	124,517	1.22%
Total Noninterest Income	442	1.08%	175,521	1.72%
Total Noninterest Expense	1,079	2.64%	274,323	2.69%
Salaries and Benefits	474	1.16%	122,518	1.20%
Premises and Equipment Expense	101	0.25%	33,971	0.33%
Additional Noninterest Expense	504	1.23%	117,834	1.15%
Securities Gains (Losses)	-30	-0.07%	-8,037	-0.08%
Applicable Income Taxes	155	0.38%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	297	0.73%	32,569	0.32%
Cash Dividends, Net	90	0.22%	42,592	0.42%
Retained Earnings	207	0.51%	-10,023	-0.10%
Net Operating Income	$317	0.77%	$37,457	0.37%

* Annualized

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