News Details

50 Years and $500,000

September 30, 2003
California Bank & Trust Celebrates Anniversary
                     By Making Community Grants Statewide

OAKLAND, Calif., Sept. 30 /PRNewswire/ -- On Thursday, October 2, California Bank & Trust (CB&T) will commemorate its 50th anniversary celebration by continuing its 2003 yearlong plan to distribute $500,000 in grants to community organizations dedicated to economic development initiatives throughout California.

The funds are earmarked for nonprofit, tax-exempt 501 (c)3 and 501 (c)6 organizations that have broad local support, address specific community needs and demonstrate fiscal and administrative stability in communities where CB&T has a branch banking presence.

"In this special year, we take pride in providing funds for programs that benefit local residents and businesses," said Mike Mantle, executive vice president and executive director of the bank's Retail & Business Banking and Community Development divisions. "These grants, for outreach, lending and community investment, will help ensure that opportunity exists for families and businesses in the areas we serve," Mantle said.

Thursday's event will feature the awarding of grants to 17 Bay Area community organizations. So far this year, CB&T has distributed funds in San Diego, Sacramento and the Central Valley. Grants for Los Angeles and Orange County organizations will be awarded later this year. (See Addendum attached -- "California Bank & Trust 50-Year Anniversary Community Grants for 2003, Listed by Region and Organization.")

A 50-Year Heritage of Community Banking

CB&T traces its history back to 1953, when then-Sumitomo Bank of California (SBC) began branch operations in the state. CB&T was created in 1998 when SBC merged with Grossmont Bank of San Diego County to become CB&T. Through subsequent acquisitions, CB&T has grown to be the sixth-largest commercial bank headquartered in California with nearly $9 billion in assets. These acquisitions include:

     *  First Pacific National Bank in North San Diego and Riverside counties
        in 1998.
     *  Regency Bancorp in the Central Valley in 1999.
     *  Eldorado Bank (Orange County) and Antelope Valley Bank (High Desert)
        in 2001.

From its beginning, CB&T made community development a top priority, devoting significant resources to supporting organizations that target affordable housing, small business and micro-enterprise development, economic development and other services that revitalize or stabilize low- and moderate-income communities in the state.

CB&T has been lauded repeatedly for its community efforts. In 2002, CB&T received a rating of "Outstanding" by the Federal Deposit Insurance Corporation (FDIC) for its record of making loans to, investing in and serving under-served communities. This rating is the FDIC's highest classification for compliance with the Community Reinvestment Act (CRA).

In total, CB&T has more than 90 branch offices statewide. For its 2001 and 2002 fiscal years, the U.S. Small Business Administration (SBA) recognized CB&T as the number three SBA lender in California and, in 2002, honored CB&T with the Advocate Lending Award for efforts aimed at African American and Native American firms. The agency also has designated CB&T as a "Preferred SBA Lender."

Community Commitment: A Core CB&T Value

Supplementing the bank's accomplishments in supporting neighborhood service organizations and small business lending, many CB&T employees play an active role on community boards, associations and committees, while CB&T bankers provide a conduit to financing programs for civic organizations and small businesses.

"In a few short years, CB&T has distinguished itself by delivering a level of personal service usually associated with smaller community banks," Mantle said. "Our commitment to local decision-making gives local bankers the authority and resources to provide responsive service for the unique needs of individuals, businesses and community organizations."

For more information, visit www.calbanktrust.com/50yeargrant .

California Bank & Trust, a subsidiary of Zions Bancorporation (Nasdaq: ZION), is one of the largest banks based in the State of California with nearly $9 billion in assets and more than 90 branch offices. With local management and decision-making and an emphasis on relationship banking, CB&T provides products, resources and financing solutions for businesses and individuals, including wealth management, Internet banking, commercial and small business lending, cash management and international banking. Visit CB&T's Web site at www.calbanktrust.com .

Zions Bancorporation is one of the nation's premier financial services companies, consisting of a collection of great banks in select high growth markets. Under local management teams and community identities, Zions operates over 400 full-service banking offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah and Washington. In addition, Zions is a national leader in SBA lending, public finance advisory services, agricultural finance and electronic bond trading. The company is included in the S&P 500 Index. Investor information and links to subsidiary banks can be accessed at www.zionsbancorporation.com .

                                   Addendum

    California Bank & Trust 50-Year Anniversary Community Grants for 2003
                      Listed by Region and Organization

            San Diego
            ACCION San Diego
            Casa Familiar
            City Heights Community Development Corporation
            Community Housing Works
            East County Economic Development Center
            Local Initiative Support Corporation-San Diego (LISC)
            Metropolitan Area Advisory Committee (MAAC)
            San Diego Home Loan Counseling
            San Diego Youth & Community Services
            Small Business Development & International Trade Center

            Los Angeles & Orange County
            Cabrillo Economic Development Corporation
            Community Financial Resource Center
            Little Tokyo Service Center
            Local Initiative Support Corporation-Los Angeles (LISC)
            Los Angeles Local Development Corporation
            Los Angeles Neighborhood Housing Services
            Neighborhood Housing Services of Orange County
            Neighborhood Partnership of Montclair
            New Economics for Women
            Southern California Association of Non-Profit Housing (SCANPH)
            Valley Economic Development Corporation

            Bay Area
            Asian Neighborhood Design
            Bernal Heights Neighborhood Center
            California Association for Microenterprise (CAMEO)
            California Community Economic Development Association (CEDA)
            East Bay Asian Local Development Corporation
            East Palo Alto Alliance Neighborhood Development (EPA CAN DO)
            Local Initiative Support Corporation-San Francisco (LISC)
            Low Income Investment Fund
            National Association of Women Business Owners (NAWBO)
            Oakland Business Development Corporation
            One Economy Corporation
            Operation Access
            Richmond District Neighborhood Center

            Sacramento
            Mercy Housing
            Sacramento Neighborhood Housing Services

            Central Valley
            Hmong American Self-Help Health and Housing Project



SOURCE  California Bank & Trust
    -0-                             09/30/2003
    /CONTACT:  Steve Borg, +1-510-627-7955, borgs@calbt.com, or Chuck Laham,
+1-858-793-7481, lahamc@calbt.com, both of California Bank & Trust/
    /Web site:  http://www.calbanktrust.com/50yeargranthttp://www.calbanktrust.comhttp://www.zionsbancorporation.com /
    (ZION)

CO:  California Bank & Trust; Zions Bancorporation
ST:  California
IN:  FIN
SU:  NPT AWD



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3441 09/30/200318:01 EDThttp://www.prnewswire.com