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Increasing YEAR IN REVIEW Improving Investing A COLLECTION OF GREAT BANKS Zions Bancorporation is one of the nation’s premier financial services companies, consisting of a collection of great banks in select western markets. Zions operates its banking businesses under local management teams and community identities in 11 western and southwestern states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. Zions is a national leader in small business lending and public finance advisory services, and received 31 “Excellence” awards by Greenwich Associates for the 2015 survey — the most of all banks in the United States. Zions Bank Nevada State Bank Salt Lake City, UT; Boise, ID; Las Vegas, NV Jackson, WY $4 billion assets $20 billion assets Amegy Bank of Texas Vectra Bank Colorado Houston, TX Denver, CO $14 billion assets $3 billion assets INTEREST EARNING ASSET MIX California Bank & Trust The Commerce Bank of Washington San Diego, CA The Commerce Bank of Oregon Cash $12 billion assets Portland, OR / Seattle, WA 14% $1 billion assets Securities 13% Loans 73% National Bank of Arizona Phoenix, AZ $5 billion assets FINANCIAL HIGHLIGHTS 2015/2014 (In millions, except per share amounts) Change 2015 2014 2013 2012 FOR THE YEAR Net interest income (A) 2% $ 1,715.3 $ 1,680.0 $ 1,696.3 $ 1,731.9 Noninterest income (B) –26% 377.1 508.6 337.4 419.9 Total net revenue (A+B) –4% 2,092.4 2,188.6 2,033.7 2,151.8 Noninterest expense –4% 1,600.5 1,665.3 1,714.4 1,595.0 Provision for loan losses 141% 40.0
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