Among the largest underlying components of KRE, in trading today SunTrust Banks, Inc. ( NYSE: STI) is down about 0.3%, Zions Bancorporation ( NASD: ZION) is up about 0.8%, and BancorpSouth Inc. ( NYSE: BXS) is lower by about 6.5%.

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Among the largest underlying components of KBE, in trading today Bank of America Corp. ( NYSE: BAC) is down about 0.2%, Zions Bancorporation ( NASD: ZION) is off about 1%, and TCF Financial Corp. ( NYSE: TCB) is lower by about 0.6%.

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Zions Bancorp ( ZION) is slightly overexposed to CRE loans with a 312.7% ratio.

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For those with cast-iron stomachs, and a memory of how banks have snapped back from past downturns, Zions Bancorporation (40, ZION) is worth a look.

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Information technology is one such area, says Mr. Zion.

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The piece is essentially a 95-minute piano concerto inspired by Messiaen's visit to Bryce Canyon and Zion Park in 1972.

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