Zions Bancorporation is a financial holding company. The Company provides a range of banking and related services through its banking and other subsidiaries, primarily in Utah, California, Texas, Arizona, Nevada, Colorado, Idaho, Washington and Oregon. As of December 31, 2008, Zions Bancorporation, together with its subsidiaries, owned and operated eight commercial banks with a total of 513 domestic branches. The Company focuses on providing community-banking services by its core business lines of small, medium-sized business and corporate banking, commercial and residential development, construction and term lending, retail banking, treasury cash management and related products and services, residential mortgage, trust and wealth management and investment activities. The banks provide a variety of commercial and retail banking and mortgage lending products and services.