{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-24-000007","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2024-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.594370+00:00","generated_at":"2026-06-06T22:49:03.464162+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"U.S. Bancorp reports Q4 2023 adjusted EPS of $0.99; net income impacted by $734M FDIC special assessment","bullets":["GAAP net income of $847M ($0.49 EPS) vs $1,523M ($0.91) in Q3; adjusted net income of $1,627M ($0.99 EPS).","Net revenue of $6,762M (reported) and $6,880M adjusted; full-year record revenue of $28.1B.","CET1 capital ratio improved to 9.9% from 9.7% in Q3; average loans up 3.6% YoY, deposits up 4.3%.","Net interest margin fell to 2.78% from 2.81% linked quarter; net charge-off ratio was 0.49%.","Quarterly dividend increased to $0.49 per share from $0.48 in prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-24-000007","json":"https://secwatch.observer/filing/0000036104-24-000007.json","markdown":"https://secwatch.observer/filing/0000036104-24-000007.md","text":"https://secwatch.observer/filing/0000036104-24-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610424000007/0000036104-24-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610424000007/usb-20240117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:49:03.464162+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"703a457f82e3e5a39f1e60fb7cbd760e0af370fa","claim":"US BANCORP DE reported financial results for quarter ended December 31, 2023.","evidence_excerpt":"On January 17, 2024, U.S. Bancorp (the “Company”) issued a press release reporting quarter-ended December 31, 2023 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000003610424000007/0000036104-24-000007-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended December 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}