What is the primary purpose of this 8-K filing?

The primary purpose of this 8-K filing is to officially report U.S. Bancorp's financial results for the fourth quarter and fiscal year ended December 31, 2009. It directs investors to a press release and an earnings presentation for the detailed financial information.

What is the difference between the press release being 'filed' and the presentation being 'furnished'?

When a document is 'filed' with the SEC, it is subject to liability under the Securities Exchange Act of 1934. 'Furnished' documents, while providing information, generally do not carry the same level of legal accountability. Investors should pay close attention to the 'filed' documents for the most legally binding information.

Where can I find the actual financial results mentioned in this filing?

The actual financial results for the quarter ended December 31, 2009, are detailed in the press release (Exhibit 99.1) and the 4Q09 Earnings Conference Call Presentation (Exhibit 99.2), both of which are incorporated by reference into this 8-K filing.

What should I look for in the forward-looking statements mentioned?

Investors should carefully review the forward-looking statements and the accompanying cautionary statements in both the press release and the presentation. These disclosures identify key factors and risks that could cause U.S. Bancorp's actual future results to differ materially from the expectations expressed.

US BANCORP \DE\ 8-K: Earnings & Results

Summary

U.S. Bancorp (USB) filed an 8-K report on January 20, 2010, to disclose its financial results for the quarter ended December 31, 2009. The report primarily references a press release (Exhibit 99.1) containing these results and an accompanying earnings conference call presentation (Exhibit 99.2). The press release is considered 'filed' with the SEC, meaning it is subject to liability provisions under the Securities Exchange Act of 1934, while the presentation is 'furnished.' Investors should review these documents for detailed performance metrics and forward-looking statements, which are accompanied by cautionary disclosures regarding factors that could impact future results.

Key Highlights

1Disclosure of fourth quarter and full-year 2009 financial results for U.S. Bancorp.
2Press release containing 4Q09 results is officially 'filed' with the SEC, making its content subject to stricter reporting standards.
3Earnings conference call presentation provides additional context and forward-looking information.
4Both the press release and presentation include forward-looking statements with cautionary language about potential risks and uncertainties.
5The filing incorporates by reference Exhibits 99.1 (Press Release) and 99.2 (Earnings Presentation).
6Terrance R. Dolan, Executive Vice President and Controller, signed the report.

US BANCORP \DE\ 8-K Report, Financial Results (Jan 20, 2010)

Summary

Key Highlights

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