{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-014710","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.640686+00:00","generated_at":"2026-06-20T09:53:07.011738+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"USB completes MUFG Union Bank acquisition; Q4 GAAP EPS $0.57, adjusted EPS $1.20","bullets":["Acquisition of MUFG Union Bank completed; Q4 net income excluding notable items was $1.9 billion.","GAAP net income $925 million ($0.57 diluted EPS) including acquisition-related notable items.","Adjusted return on average assets 1.20% and return on average common equity 16.8% for Q4.","CET1 ratio 8.4%; average loans $359.8 billion, deposits $481.8 billion; net charge-off ratio 0.64%.","Full year 2022 GAAP EPS $3.69 vs $5.10 in 2021; dividends declared $1.88 per common share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-014710","json":"https://secwatch.observer/filing/0001193125-23-014710.json","markdown":"https://secwatch.observer/filing/0001193125-23-014710.md","text":"https://secwatch.observer/filing/0001193125-23-014710.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000119312523014710/0001193125-23-014710-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000119312523014710/d408122d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:53:07.011738+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":"2c2013da670eb7a5ad8b4ef6ae4c40e4114f4b53","claim":"US BANCORP DE reported quarter-ended December 31, 2022 results: net income $1.9 billion, EPS $1.20.","evidence_excerpt":"U.S. Bancorp Completes Acquisition of MUFG Union Bank Reports Fourth Quarter and Full Year 2022 Results • Net income of $1.9 billion and diluted earnings per common share of $1.20, excluding notable items related to the acquisition of MUFG Union Bank for 4Q22","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000119312523014710/0001193125-23-014710-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter-ended December 31, 2022"},{"label":"Net income","value":"$1.9 billion"},{"label":"EPS","value":"$1.20"},{"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"}