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US Bancorp (USB) Q4 2020 Earnings Call Transcript

Operator
Welcome to US Bancorp s Fourth Quarter 2020 Earnings Conference Call. Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer; and Terry Dolan, Vice Chair and Chief Financial Officer, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 12 P.M. Eastern through Wednesday, February 3rd, 2021, at 12 midnight Eastern.
I will now turn the conference call over to Jen Thompson, Director of Investor Relations and Economic Analysis for US Bancorp.
Jen Thompson
Director of Investor Relations and Economic Analysis
Thank you, Natalya, and good morning, everyone. With me today are Andy Cecere, our Chairman, President and CEO; and Terry Dolan, our Chief Financial Officer. Also joining us on the call are our Chief Risk Officer, Jodi Richard; and our Chief Credit Officer, Mark Runkel. ....

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