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Business Description
Zions Bancorporation is a financial holding company that owns and operates six commercial banks. The Company provides a full range of banking and related services through its banking and other subsidiaries, primarily in Utah, Idaho, California, Nevada, Arizona, Colorado and Washington. The Company focuses on maintaining community-minded banking by strengthening its core business lines of retail banking, small and medium-sized business lending, residential mortgage and investment activities. On December 31, 2001, the Company had total assets of approximately $24.3 billion, loans of $17.3 billion, deposits of $17.8 billion and shareholders' equity of $2.3 billion.

Financial Information
ZION, a multibank holding company, provides a full range of banking and related services in UT, ID, CA, CO, AZ, NV and WA. For the six months ended 6/02, interest income fell 10% to $733.7 million. Net interest income after LLP rose 13% to $481.5 million. Net income before acct. chg. rose 11% to $161.7 million. Net interest income reflects decreased interest earning assets, offset by lower interest paid on deposits. Earnings reflect lower securities gains.