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Expanding Capabilities and Distribution Building Deeper Customer U.S. Bancorp Building Deeper Customer Relationships 2007 Innovating Products and Services Annual Report Expanding Capabilities and Distribution U.S. Bancorp 800 Nicollet Mall Minneapolis, MN 55402 usbank.com 2007 Annual Report Corporate Information Executive Offices Dividends and Reinvestment Plan Privacy U.S. Bancorp U.S. Bancorp currently pays quarterly U.S. Bancorp is committed to respecting 800 Nicollet Mall dividends on our common stock on or the privacy of our customers and Minneapolis, MN 55402 about the 15th day of January, April, July safeguarding the financial and personal and October, subject to approval by our information provided to us. To learn more Common Stock Transfer Agent Board of Directors. U.S. Bancorp share- about the U.S. Bancorp commitment to and Registrar holders can choose to participate in a plan protecting privacy, visit usbank.com and BNY Mellon Investor Services acts as our that provides automatic reinvestment of click on Privacy Pledge. transfer agent and registrar, dividend dividends and/or optional cash purchase paying agent and dividend reinvestment Code of Ethics of additional shares of U.S. Bancorp plan administrator, and maintains all U.S. Bancorp places the highest common stock. For more information, shareholder records for the corporation. importance on honesty and integrity. please contact our transfer agent, Inquiries related to shareholder records, Each year, every U.S. Bancorp employee BYN Mellon Investor Services. stock transfers, changes of ownership, certifies compliance with the letter and lost stock certificates, changes of address Investor Relations Contacts spirit of our Code of Ethics and Business and dividend payment should be directed Judith T. Murphy Conduct, the guiding ethical standards to the transfer agent at: Senior Vice President, Investor Relations of our organization. For details about [email protected] our Code of Ethics and Business Conduct, BNY Mellon Shareowner Services Phone: 612-303-0783 or 866-775-9668 visit usbank.com and click on About P.O. Box 358015 U.S. Bancorp, then Ethics at U.S. Bank. Pittsburgh, PA 15252-8015 Financial Information Phone: 888-778-1311 or 201-680-6578 U.S. Bancorp news and financial results Diversity Internet: bnymellon.com/shareowner are available through our website and U.S. Bancorp and our subsidiaries are U.S. Bancorp invests for growth by building by mail. committed to developing and maintaining For Registered or Certified Mail: a workplace that reflects the diversity of BNY Mellon Shareowner Services Website For information about deeper relationships with our 14.9 million the communities we serve. We support 500 Ross St., 6th Floor U.S. Bancorp, including news, financial a work environment where individual customers, developing innovative products Pittsburgh, PA 15219 results, annual reports and other differences are valued and respected and documents filed with the Securities and Telephone representatives are available where each individual who shares the and services, expanding our delivery Exchange Commission, access our weekdays from 8:00 a.m. to 6:00 p.m. fundamental values of the company has home page on the internet at usbank.com, Central Time, and automated support an opportunity to contribute and grow capabilities and enlarging the depth and click on About U.S. Bancorp, then is available 24 hours a day, 7 days based on individual merit. Investor/Shareholder Information. a week. Specific information about your breadth of our distribution systems. Equal Employment account is available on BNY Mellon’s Mail At your request, we will mail to Opportunity/Affirmative Action internet site by clicking on the Investor you our quarterly earnings, news releases, U.S. Bancorp and our subsidiaries are ServiceDirect® link. quarterly financial data reported on U.S. Bancorp, with total assets of Southwest and Northwest. Our committed to providing Equal Employment Form 10-Q and additional copies of our $238 billion at year-end 2007, is a company’s diverse business mix of Independent Auditor Opportunity to all employees and applicants annual reports. Please contact: Ernst & Young LLP serves as the for employment. In keeping with this diverse multi-state financial services products and services are provided independent auditor for U.S. Bancorp’s U.S. Bancorp Investor Relations commitment, employment decisions are holding company serving more than through four major lines of business: financial statements. 800 Nicollet Mall made based upon performance, skill and Minneapolis, MN 55402 abilities, not race, color, religion, national 14.9 million customers. U.S. Bancorp Wholesale Banking, Payment Common Stock Listing and Trading [email protected] origin or ancestry, gender, age, disability, U.S. Bancorp common stock is listed and is the parent company of U.S. Bank, Services, Wealth Management & Phone: 866-775-9668 veteran status, sexual orientation or any traded on the New York Stock Exchange the sixth-largest commercial bank Securities Services and Consumer other factors protected by law. The corpo- under the ticker symbol USB. Media Requests ration complies with municipal, state and in the nation. U.S. Bancorp offers Banking. Information about these Steven W. Dale federal fair employment laws, including Senior Vice President, Media Relations regional consumer and business businesses can be found throughout regulations applying to federal contractors. [email protected] banking and wealth management this report. U.S. Bancorp is head- Phone: 612-303-0784 U.S. Bancorp, including each of our services, national wholesale and quartered in Minneapolis, Minnesota. subsidiaries, is an Equal Opportunity Employer committed to creating a trust services and global payments U.S. Bancorp employs more than diverse workforce. services. U.S. Bank operates 54,000 people. The paper utilized in this annual report is certified by the Forest Stewardship Council. The paper 2,518 banking offices in 24 states, contains a mix of pulp that is derived from FSC certified well- primarily in the lower and upper Visit U.S. Bancorp online at managed forests, post-consumer recycled paper fibers and other Midwest and throughout the usbank.com controlled sources. U.S. Bank, Member FDIC 3698_Narr_Q7.qxd:USB_07AR_ 2/25/08 11:45 AM Page 1 Table of Contents Page 2 Corporate Overview Page 4 Selected Financial Highlights Page 5 Financial Summary Page 6 Letter to Shareholders Page 8 Building Deeper Customer Relationships Page 10 Innovating Products and Services Page 12 Expanding Capabilities and Distribution Page 14 Focusing on Employees Page 15 Using Resources Responsibly Page 16 Building Communities Financials Page 18 Management’s Discussion and Analysis Page 65 Reports of Management and Independent Accountants Page 68 Consolidated Financial Statements Page 72 Notes to Consolidated Financial Statements Page 108 Five-year Consolidated Financial Statements Page 110 Quarterly Consolidated Financial Data Page 111 Supplemental Financial Data Page 114 Company Information Page 120 Executive Officers Page 121 Directors Inside Back Cover Corporate Information “Safe Harbor” Statement under the Private Securities Litigation Reform Act of 1995: This report contains forward-looking statement about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements. These statements often include the words “may,” “could,” “would,” “should,” “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “targets,” “potentially,” “probably,” “projects,” “outlook,” or similar expressions. These forward-looking statements cover, among other things, anticipated future revenue and expenses and the future plans and prospects of the Company. Forward-looking statements involve inherent risks and uncertainties, and important factors could cause actual results to differ materially from those anticipated, including changes in general business and economic conditions, changes in interest rates, deterioration in the credit quality of our loan portfolios or in the value of the collateral securing those loans, deterioration in the value of securities held in our investment securities portfolio, legal and regulatory developments, increased competition from both banks and non-banks, changes in customer behavior and preferences, effects of mergers and acquisitions and related integration, effects of critical accounting policies and judgments, and management’s ability to effectively manage credit risk, market risk, operational risk, legal risk, and regulatory and compliance risk. These and other risks are discussed throughout this report, which you should read carefully, including the sections entitled “Corporate Risk Profile” beginning on page 33 and “Risk Factors” beginning on page 115. Forward-looking statements speak only as of the date they are made, and U.S. Bancorp undertakes no obligation to update them in light of new information of future events. U.S. BANCORP 1 3698_Narr_Q7.qxd:USB_07AR_ 2/25/08 11:45 AM Page 2 Corporate Overview U.S. Bancorp at a Glance Ranking U.S. Bank is 6th largest U.S. commercial bank Asset size $238 billion Deposits $131 billion Loans $154 billion Earnings per common share (diluted) $2.43 Return on average assets 1.93% Return on average common equity 21.3% Mission Statement Efficiency ratio 49.3% Tangible efficiency ratio 46.6% U.S. Bancorp unveils its new mission statement — Customers 14.9 million it’s our employees’ clear, strong commitment to Payment services and merchant processing
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