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| ABS |
Asset-Backed Security | |
| ACL |
Allowance for Credit Losses | |
| AFS |
Available-for-Sale | |
| ALCO |
Asset/Liability Committee | |
| ALLL |
Allowance for Loan and Lease Losses | |
| Amegy |
Amegy Corporation | |
| AOCI |
Accumulated Other Comprehensive Income | |
| ARM |
Adjustable Rate Mortgage | |
| ARRA |
American Recovery and Reinvestment Act | |
| ASC |
Accounting Standards Codification | |
| ASU |
Accounting Standards Update | |
| ATM |
Automated Teller Machine | |
| BCBS |
Basel Committee on Banking Supervision | |
| BHC |
Bank Holding Company Act of 1956 | |
| BSA |
Bank Secrecy Act | |
| CB&T |
California Bank & Trust | |
| CD |
Certificate of Deposit | |
| CDARS |
Certificate of Deposit Account Registry System | |
| CDO |
Collateralized Debt Obligation | |
| CDR |
Constant Default Rate | |
| CET1 |
Common Equity Tier 1 | |
| CFPB |
Consumer Financial Protection Bureau | |
| CI |
Commercial and Industrial | |
| CMC |
Capital Management Committee | |
| Contango |
Contango Capital Advisor’s, Inc. | |
| COSO |
Committee of Sponsoring Organizations of the Treadway Commission | |
| CPP |
Capital Purchase Program | |
| CRA |
Community Reinvestment Act | |
| CRE |
Commercial Real Estate | |
| DB |
Deutsche Bank AG | |
| DBRS |
Dominion Bond Rating Service | |
| DIF |
Deposit Insurance Fund | |
| DTA |
Deferred Tax Asset | |
| DTL |
Deferred Tax Liability | |
| EESA |
Emergency Economic Stabilization Act | |
| EFTA |
Electronic Fund Transfer Act | |
| ESOARS |
Employee Stock Option Appreciation Rights Securities | |
| FAMC |
Federal Agricultural Mortgage Corporation | |
| FASB |
Financial Accounting Standards Board | |
| FDIC |
Federal Deposit Insurance Corporation | |
| FHLB |
Federal Home Loan Bank | |
| FHLMC |
Federal Home Loan Mortgage Corporation | |
| FINRA |
Financial Industry Regulatory Authority | |
| FNMA |
Federal National Mortgage Association | |
| FRB |
Federal Reserve Board | |
| FSOC |
Financial Stability Oversight Council | |
| FTE |
Full-Time Equivalent | |
| GAAP |
Generally Accepted Accounting Principles | |
| GDP |
Gross Domestic Product | |
| GLB |
Gramm-Leach-Bliley Act of 1999 | |
| GNMA |
Government National Mortgage Association | |
| HTM |
Held-to-Maturity | |
| ISDA |
International Swap Dealer Association | |
| LCR |
Liquidity Coverage Ratio | |
| LIBOR |
London Inter-Bank Offering Rate | |
| MD&A |
Management’s Discussion and Analysis | |
| NASDAQ |
NASDAQ Stock Market, LLC | |
| NBA |
National Bank of Arizona | |
| NRSRO |
Nationally Recognized Statistical Rating Organization | |
| NSB |
Nevada State Bank | |
| NSFR |
Net Stable Funding Ratio | |
| OCC |
Office of the Comptroller of the Currency | |
| OCI |
Other Comprehensive Income | |
| OREO |
Other Real Estate Owned | |
| OTC |
Over-the-Counter | |
| OTTI |
Other-Than-Temporary-Impairment | |
| Parent |
Zions Bancorporation | |
| PCAOB |
Public Company Accounting Oversight Board | |
| PD |
Probability of Default | |
| PIK |
Payment in Kind | |
| QSPE |
Qualifying Special-Purpose Entity | |
| REIT |
Real Estate Investment Trust | |
| RULC |
Reserve for Unfunded Lending Commitments | |
| S&P |
Standard and Poor’s | |
| SBA |
Small Business Administration | |
| SBIC |
Small Business Investment Company | |
| SEC |
Securities and Exchange Commission | |
| SFAS |
Statement of Financial Accounting Standards | |
| TARP |
Troubled Asset Relief Program | |
| TCBO |
The Commerce Bank of Oregon | |
| TCBW |
The Commerce Bank of Washington | |
| TDR |
Troubled Debt Restructuring | |
| TRS |
Total Return Swap | |
| VIE |
Variable Interest Entity | |
| ZCTB |
Zions Capital Trust B | |
| ZMSC |
Zions Management Services Company | |