2001 US Bank

This changes banking forever. 2001 ANNUAL REPORT AND FORM 10-K Contents The New U.S. Bancorp 1 Delivering Five Star Service Guaranteed Graphs of Selected Financial Highlights Financial Summary Letter to Shareholders Growing Diversified Businesses Providing Convenient Access Building the Best Bank in America Capitalizing on Growth Opportunities Providing Local Market Leadership and Community Support Financial Section 16 Management's Discussion and Analysis Responsibility for Financial Statements
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  This changes banking forever. 2001 ANNUAL REPORT AND FORM 10-K  Contents The New U.S. Bancorp1Delivering Five StarService Guaranteed2Graphs of SelectedFinancial Highlights3Financial Summary5Letter to Shareholders6Growing Diversified Businesses8Providing Convenient Access10Building the Best Bankin America12Capitalizing on GrowthOpportunities14Providing Local MarketLeadership and CommunitySupportFinancial Section16 Management's Discussionand Analysis48Responsibility forFinancial Statements48Report of IndependentAccountants49Consolidated FinancialStatements53Notes to ConsolidatedFinancial Statements84Five-Year ConsolidatedFinancial Statements88Quarterly ConsolidatedFinancial Data89Supplemental Financial Data90Annual Report on Form 10-K94Executive Officers96DirectorsInsideback coverCorporate InformationBack coverCorporate Profile  This changes banking forever.Guaranteed customer serviceby every business line andevery employee for everytransaction, every day. Ourexclusive Five Star ServiceGuarantee puts customerneeds first and foremost. Delivering Five Star ServiceGuaranteed Outstanding customer service is sofundamental to the way we do businessthat our employees wear lapel pins withthe inscription “Service Guaranteed” asa visible symbol of our commitment tocustomers. A replica of that pin is on thecover of this report, signifying its impor-tance to U.S. Bank  ® .In 1996, we created the srcinalFive Star Service Guarantee for all of our customers who bank in a branchoffice. Our goal: to bring customers thehighest level of service they have everexperienced from a financial institution.Since then, our pursuit of excellencehas expanded to every line of businessand department at U.S. Bank. Each onehas its own set of Five Star ServiceGuarantees — more than 80 guaranteesin all, delivered by all business linesthroughout our organization.This means that every employee isworking every day not just to meet cus-tomer needs, but to exceed them. And, if anyone at U.S. Bank fails to keep any of our guarantees, we pay the customer forthe inconvenience.We recognize that our service iswhat differentiates U.S. Bank from ourcompetition. Product features and ratesmay be similar among banks, butguaranteed, outstanding service makesU.S. Bank unique. We say that somebanks talk about great service, but onlyU.S. Bank  guarantees it. Circle of Service Excellence Our Five Star Service Guarantee isbuilt on the outstanding efforts of ouremployees and their commitment andcontribution to delivering the highestlevel of quality service for our customers.Each quarter we choose a select fewemployees who exemplify outstandingservice for induction into the Circle of Service Excellence. We honor them ata luncheon hosted by U.S. Bancorpexecutives and at a Board of Directorsmeeting. We prominently display theirportraits at our Five Star Halls of Fame,located in seven major markets. Stock options and local recognition are amongthe other ways we reward these topperformers. We invite you to nominatean outstanding employee for ourCircle of Service Excellence using theattached self-addressed, postage-paidnomination form. 1 U.S. Bancorp
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