Zions Bancorp. (ZION)

Q4 2010 Earnings Call

January 24, 2011 5:30 pm ET


James Abbott - Senior Vice President of Investor Relations & External Communications

Kenneth Peterson - Chief Credit Officer and Executive Vice President

Doyle Arnold - Vice Chairman, Chief Financial Officer and Executive Vice President

W. Hemingway - Chief Investment Officer and Executive Vice President of Capital Markets & Investments

H. Simmons - Chairman, Chief Executive Officer, President, Member of Executive Committee and Chairman of Zions First National Bank


Jennifer Demba - SunTrust Robinson Humphrey Capital Markets

Craig Siegenthaler - Crédit Suisse AG

Christopher Nolan - CRT Capital Group LLC

Joe Morford - RBC Capital Markets, LLC

John Pancari - Evercore Partners Inc.

Erika Penala - Merrill Lynch

Brian Zabora

Marty Mosby - Guggenheim Securities, LLC

Robert Patten - Morgan Keegan & Company, Inc.

Steven Alexopoulos - JP Morgan Chase & Co

Ken Zerbe



Good day, ladies and gentlemen, and welcome to the Zions Bancorporation Fourth Quarter Earnings Call. [Operator Instructions] I would now like to turn the conference over to your host, James Abbott.

James Abbott

Thanks, John, and good evening. We welcome you to this conference call to discuss our fourth quarter 2010 earnings results. I would like to remind you that during this call, we will be making forward-looking statements and that actual results may differ materially. We encourage you to review the disclaimer in the press release dealing with forward-looking information, which applies equally to statements made in this call.

We will be referring to several schedules in the press release during this call. And if you do not yet have a copy of the press release, it is available as an Adobe Acrobat file at zionsbancorporation.com.

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