U.S. Bancorp http://www.alacrastore.com/company-snapshot/U_S_Bancorp-2001428 Friday, January 09, 2009 1:52:28 AM 2001428 U.S. Bancorp en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/fitch/454099_pr_framefitch/454099_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Regions Financial CorporationFifth Third BancorpUnionBanCal CorporationCitigroup Inc.The Goldman Sachs Group, Inc.SunTrust Banks, Inc.Merrill Lynch & Company, Inc.Compass Bancshares, Inc.Zions BancorporationNorth Fork Bancorporation, Inc.National City CorporationAmSouth BancorporationMarshall & Ilsley CorporationThe Colonial BancGroup, Inc.U.S. BancorpNorthern Trust CorporationWachovia CorporationTD Ameritrade Holding CorporationM & T Bank CorporationBB&T CorporationThe Bank of New York Mellon CorporationHuntington Bancshares Inc.First Horizon National Corp.TD Banknorth IncThe Charles Schwab CorporationPopular, Inc.Mellon Funding CorporationBanponce Trust IComerica Inc.KeyCorpCommerce Bank, N.AJPMorgan Chase & CoBanco Popular North AmericaMorgan StanleyBank of America CorporationSynovus Financial Corporation800910218008893380089717800889938008900380090347800914058008947680088977800889728008924582604276800903288009038880090333800895728009201280089109800890228008971880090507800903228009210080089154800890308008913483812800889858009023080089031800892938008946380090365800896228009003480089793800904151012948009158812/19/2008 2:25:00 PM01010203010102000101000004040000040402000101010085Press ReleaseNCCFITBAMTDUSBFHNRFMERZIONBBTWBCMAHBANMIJPMNTRSBKCNBBACMTBSTISCHWKEYGSBPOPCSNVMS454099_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/newstex/MW-0001-30529606newstex/MW-0001-30529606xml SAN FRANCISCO, CA and LOS ANGELES, CA, Dec. ##, #### (Marketwire delivered by Newstex) -- SAN FRANCISCO, CA and LOS ANGELES, CA -- (Marketwire) -- ##/##/## -- National New Markets Fund, LLC -- a New Markets Tax Credit (NMTC) fund created...0400000004017000110000001100800011013000140000001400300004006000040060020400900004009003040190000401900312/16/2008 4:20:41 PM1800000018022000180170001900000019001000190010051900200019002013MarketwireMW-0001-30529606INNOVATION INTL INCUS BANCORP DEJoseph M OttingIINLUSBNewsNewstexUS - Elan Financial Services definitively agreed to acquire the credit card line accounts portfolio of Bar Harbor Bank & Trust, a community bank and a wholly-owned unit of Bar Harbor Bankshares, for an estimated $#.### mil.12/16/2008 3:25:49 PM28390C06722N902973066849Elan Financial ServicesBar Harbor Bank & Trust-Credit Card Line Accounts PortfolioUS BancorpBar Harbor Bankshares,Bar Harbor,Mainehttp://www.alacrastore.com/storecontent/Thomson_M%26A/Elan_Financial_Services_acquires_Bar_Harbor_Bk_Tr_CC_Line_from_Bar_Harbor_Bankshares_ME-2035064020sdc/20350640202035064020Copyright © 2008, Thomson Financial, All Rights ReservedCredit InstitutionsUnited StatesPersonal credit institutions6141PAPennsylvaniaSubsidiary6141:Personal credit institutions6153:Short-term business credit institutions6159:Misc business credit6021:National commercial banks6022:State banks,member fed reserve6091:Nondeposit trust facilities6159:Misc business credit6162:Mortgage bankers and loan correspondents6211:Security brokers, dealers, and flotation companies6411:Insurance agents, brokers, and service6712:Offices of bank holding companiesCredit InstitutionsUnited StatesPersonal credit institutions6141MEMaineSubsidiary320274001Cml bk hldg coBk hldg coCashCash OnlyAssets1057577001Dec 16 20080.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.000009.0000010.0000011.0000012.0000013.00000Elan Financial Services,headquartered in Pittsburgh,Pennsylvania, provides creditcard issuing, prepaid cardsolutions, ATM, debit card,and merchant processingproducts and services. Itsservices include businessdebit and credit cards,leasing services, merchantservices, and small businesslending. The company wasfounded in 1982.Elan Financial Services, headquartered in Pittsburgh,Pennsylvania, provides credit card issuing, prepaid cardsolutions, ATM, debit card, and merchant processing productsand services. Its services include business debit and creditcards, leasing services, merchant services, and smallbusiness lending. The company was founded in 1982.Elan Financial Services, headquartered in Pittsburgh, Pennsylvania, provides credit card issuing, prepaid card solutions, ATM, debit card, and merchant processing products and services. Its services include business debit and credit cards, leasing services, merchant services, and small business lending. The company was founded in 1982.1.000002.000003.00000Credit card line accountsportfolio of Bar Harbor Bank &Trust, a community bank.Credit card line accounts portfolio of Bar Harbor Bank &Trust, a community bank.Credit card line accounts portfolio of Bar Harbor Bank & Trust, a community bank.0.000000.000000.000000.00000NU.S. Dollar11 Dec 08Thu, 11 Dec 2008 00:00:00 ESTDate Announced: 12/11/2008Date Effective:Acq. of AssetsFriendly0.000000.000000.000000.000000.000000.00000Price/Share0.000002.236 U.S. Dollar2.236000.000002.236 U.S. Dollar2.236000.000000.000000.000000.000002.236002.236 U.S. Dollar1.00000N1.487000.000000.000000.000000.000000.000002.236002.236000.000000.000000.000000.000000.000000.000000.000000.00000100.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.00000US - Elan Financial Servicesdefinitively agreed to acquirethe credit card line accountsportfolio of Bar Harbor Bank &Trust, a community bank and awholly-owned unit of BarHarbor Bankshares, for anestimated $2.236 mil.US - Elan Financial Services definitively agreed to acquire the credit card line accounts portfolio of Bar Harbor Bank & Trust, a community bank and a wholly-owned unit of Bar Harbor Bankshares, for an estimated $2.236 mil.US - Elan Financial Services definitively agreed to acquire the credit card line accountsportfolio of Bar Harbor Bank & Trust, a community bank and a wholly-owned unit of BarHarbor Bankshares, for an estimated $2.236 mil.US - Elan Financial Services definitively agreed to acquire the credit card line accounts portfolio of Bar Harbor Bank & Trust, a community bank and a wholly-owned unit of Bar Harbor Bankshares, foran estimated $2.236 mil.US - Elan Financial Services definitively agreed to acquire the credit card line accounts portfolio of Bar Harbor Bank & Trust, acommunity bank and a wholly-owned unit of Bar Harbor Bankshares, for an estimated $2.236 mil.Morgan Keegan Inc1.00000$ 2.236 - Morgan Keegan Inc - Rep Sell0.00000Pending0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000Status:Pending-999.00000np0.00000-999.00000np0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000006141:Personal credit institutions6153:Short-term business credit institutions6159:Misc business credit7323:Credit reporting services2244002New YorkUnited States6021MinnesotaPublicUSB6021:National commercial banks6022:State banks,member fed reserve6712:Offices of bank holding companies436809001AmericanUnited States6021MainePublicBHB2.236002.236002.236001.48700Deal InformationTF Mergers & Acquisitionshttp://www.alacrastore.com/storecontent/newstex/USN-0001-30499795newstex/USN-0001-30499795xml Dec. ##, #### (US Newswire delivered by Newstex) -- To: NATIONAL EDITORSContact: U.S. Department of Justice Office of Public Affairs, +#-###-###-####, TDD +#-###-###-#### WASHINGTON, Dec. ## /PRNewswire-USNewswire/ -- The following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ewswireUSN-0001-30499795SIEMENS AKTIENGESELLSCHAFTUS BANCORP DESIUSBNewsNewstexhttp://www.alacrastore.com/storecontent/ccbn/T2049162ccbn/T2049162norm...Let's move on to our next presentation. Our next presenter this morning is the CEO of a bank that is growing its reputation for good timing. For years I think we all said that U.S. Bancorp couldn't grow. Now we can look back and we realize that they wouldn't grow as credit was mispriced. As a result, they have clearly benefited from a flight to quality effect that's now putting its strength to we think exceptionally good use. They have significantly expanded their presence in California through a series of we think very well-timed and very well-priced deals. And some of you may not realize this, but Richard Davis actually does know a few things about California because he actually started his career in LA as a retail banker. Now with that, it is a pleasure to present Richard Davis from U.S. Bancorp. ... 12/11/2008 12:06:00 PMU.S. Bancorp54.0000FinalU.S. Bancorp at Goldman Sachs Financial Services Conference TranscriptUSB8:00am ETTranscriptT2049162Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/newstex/PRN-0005-30366128newstex/PRN-0005-30366128xml INDIANAPOLIS, Dec. ##, #### (PRNewswire-FirstCall delivered by Newstex) -- WellPoint, Inc. (NYSE: WLP) today announced the appointment of Andrew J. (A.J.) Lang as senior vice president of Application Development. In this role, he will...040000000401600009000000090150001400000014008000040060000400600604006005070000000701100007011003090110000901100112/10/2008 3:19:34 PM1800000018007000190000001900100019001032PR Newswire USPRN-0005-30366128AETNA INCINTERNATIONAL BUSINESS MACHINES CORPUS BANCORP DEWELLPOINT INCLori A BeerAETIBMUSBWLPNewsNewstexhttp://www.alacrastore.com/storecontent/fitch/452816_pr_framefitch/452816_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.CVB Financial CorporationJPMorgan Chase & CoState Street CorporationMerrill Lynch & Company, Inc.Trustmark CorporationThe South Financial Group Inc.Comerica Inc.Zions BancorporationFirst Midwest Bancorp, Inc.Popular, Inc.Morgan StanleyThe Goldman Sachs Group, Inc.First Horizon National Corp.UCBH Holdings, Inc.SunTrust Banks, Inc.Webster Financial CorporationBB&T CorporationProvident Bankshares CorporationBank of America CorporationFirst Niagara Financial GroupSterling Financial CorporationCapital One Financial CorporationWashington Federal, Inc.Taylor Capital Group, Inc.Wells Fargo & CompanyRegions Financial CorporationHuntington Bancshares Inc.Northern Trust CorporationThe Bank of New York Mellon CorporationU.S. BancorpTCF Financial CorporationCathay General BancorpAssociated Banc-CorpMarshall & Ilsley CorporationCitigroup Inc.City National CorporationKeyCorp8008897280089245800889778008910980090856800896228127493583019936800904158008903180090347800890038008933882050766800897178009033980089572800903468009102180090929800903828008991180089718800897848008898580090376800889238008915480090358800890308009037780089677800902288008902280088933800889308009033312/10/2008 2:19:00 PM010100000101020001010100010102010101020385Press ReleaseBPOPTSFGWBSCYNMIKEYHBANTAYCFHNBKCMAWFCASBCFNFGCOFSTICATYWFSLJPMRFSTSABACFMBIMERGSTRMKMSCVBFTCBUSBZIONCNTRSUCBHPBKSSTTBBT452816_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/newstex/KYO-0001-30123721newstex/KYO-0001-30123721xml OSAKA, Dec. #, #### (Kyodo News International delivered by Newstex) -- (Editors: UPDATING WITH GOLDMAN'S REJECTION)Goldman Sachs Group Inc. on Thursday turned down Panasonic Corp.'s (NYSE:PC) new offer to purchase Sanyo Electric Co....0400000004016000040160190401600512/4/2008 6:23:39 AM1800000018013000Kyodo News InternationalKYO-0001-30123721GOLDMAN SACHS GROUP INCPANASONIC CORPORATIONSANYO ELECTRIC CO LTDUS BANCORP DEGSPCSANYYUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/XIN-0001-29986818newstex/XIN-0001-29986818xml Nov. ##, #### (Xinhua News Agency delivered by Newstex) -- Xinhua world economic news summary at #### GMT, Nov. ##NEW YORK -- Wall Street settled higher Friday,extending the biggest weekly advance for the Standard & Poor's (NYSE:MHP)...04000000040170000401700211/29/2008 1:14:44 AM180000001800500019000000190020001900201519002010English News ServiceXIN-0001-29986818CITIGROUP INCGENERAL MOTORS CORPMCGRAW-HILL COMPANIES INCUS BANCORP DECGMMHPUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/PRN-0001-29979832newstex/PRN-0001-29979832xml Nov. ##, #### (Canada NewsWire Group delivered by Newstex) -- TORONTO, Nov. ## /CNW/ -- General Motors Acceptance Corporation of Canada, Limited (GMACCL) today issued an update to investors following the Nov. ##, #### announcement by...1300000013010000130100080400000004009000040090030400900204016000040160010401600311/28/2008 3:20:43 PM180000001800400018008000190000001900200019002012Canada NewsWire GroupPRN-0001-29979832GENERAL MOTORS ACCEPTANCE CORPGENERAL MOTORS CORPUS BANCORP DEGJMGMUSBNewsNewstexhttp://www.alacrastore.com/storecontent/moodys/PR_167951_88000moodys/PR_167951_88000htmlGlobal Credit Research Announcement ## NOV #### Announcement: Bank of New York Mellon Corporation (The) Moody's will assign backed-Aaa ratings to debt securities covered by the FDIC's Guarantee New York, November ##, #### -- Moody's...11/25/2008 8:47:00 PMhtmlBank of New York Mellon Corporation (The)Bank of Nova ScotiaBank of MontrealUnionBanCal CorporationMarshall & Ilsley CorporationFederal Deposit Insurance Corp.United States of America, Government ofUnited States of AmericaToronto-Dominion Bank (The)SunTrust Banks, Inc.State Street CorporationBB&T CorporationKeyCorpRoyal Bank of CanadaPrudential Bank & Trust, FSBPNC Financial Services Group, Inc.First Midwest Bancorp, Inc.Hancock Holding CompanyAssociated Banc-CorpCIBC Mellon Trust CompanyBOK Financial CorporationAstoria Financial CorporationValley National BancorpWilmington Trust CorporationBancorpSouth, Inc.TD Banknorth IncFirstMerit CorporationTCF Financial CorporationOld National BancorpWells Fargo & CompanyNorthern Trust CorporationBank of America CorporationNational Bank of CanadaCaisse Centrale DesjardinsBank of Hawaii CorporationHarris Bankcorp, Inc.Citigroup Inc.Fulton Financial CorporationWachovia CorporationBancWest CorporationM&T Bank CorporationFirst Citizens BancShares, Inc.U.S. BancorpRegions Financial CorporationFifth Third BancorpComerica IncorporatedCullen/Frost Bankers, Inc.Commerce Bancshares, Inc.City National CorporationCitizens Financial Group, Inc.JPMorgan Chase & Co.Compass Bancshares, Inc.Canadian Imperial Bank of CommerceZions BancorporationWhitney Holding CorporationWestern Alliance BancorporationBMW Bank of North AmericaUMB Financial CorporationTrustmark CorporationSantander BancorpPeople's United Financial Inc.Citizens Republic Bancorp, Inc.United Bankshares, Inc.Independent Bank CorporationIntegra Bank CorporationHudson Valley Holding Corp.Amarillo National Bancorp, IncorporatedUCBH Holdings, Inc.Pacific Capital BancorpNew York Community Bancorp, Inc.American Savings Bank, FSBFirst BanCorp Puerto RicoFlagstar Bancorp, Inc.SVB Financial GroupINTRUST Financial CorporationBanco Bilbao Vizcaya Argentaria Puerto RicoSusquehanna Bancshares, Inc.RBC Bancorporation (USA)Synovus Financial Corp.Morgan StanleyWebster Financial CorporationSovereign Bancorp, Inc.Doral Financial CorporationSouth Financial Group, Inc. (The)Popular, Inc.National City CorporationMerrill Lynch & Co., Inc.HSBC USA Inc.Goldman Sachs Group, Inc. (The)Huntington Bancshares IncorporatedFirst Horizon National CorporationColonial BancGroup, Inc. (The)Chevy Chase Bank F.S.B.First National of Nebraska, Inc.Amarillo National Bancorp, Incorporated; American Savings Bank, FSB; Associated Banc-Corp; ...88000877508750085500820640579801950790575600013495754000727990718450695900685200651910623160611850600064549600062875600050500600045690600045497600045332600036784600033362600023549600022629600015986600008119572250560000558600541000525960444195362000359000343600304025294500287800287200286525284000282790278025233000216500190000181600180295165000158518137170836500825235809874476807372057788350600064648600064647600064644600063708600063453600063292600063269600063252600063229600063189600062874600057031600053171600047568600047546600042894600039344600023470600015234600014660600011761600010242600010070600009695600009113600008778557500529000486000463200453900381104293000186815171135120700150.0000NewsAnnouncementPR_167951_88000Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/450428_pr_framefitch/450428_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Star Capital IU.S. Bancorp Capital IUSB Capital VIIIUS Bank National AssociationMercantile Capital Trust IUSB Capital VIUSB Capital XU.S. BancorpU.S. Bank N.A. NDFirstar Capital Trust IMercantile Bank CorporationUSB Capital IXUSB Capital XIUSB Capital XIIUSB Realty CorpUSB Capital VII8008967584882473830397258008926782929925822140458373486584702671800918878456789180089799826276778138587280820253800894728008924511/24/2008 6:32:00 PM010101000101000085Press ReleaseUSBMBWM450428_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/newstex/BW-0001-29849822newstex/BW-0001-29849822xml Nov. ##, #### (Business Wire) -- Late Friday, U.S. Bancorp (USB) acquired the banking operations of two California-based financial institutions (Downey Savings & Loan and PFF Bank & Trust) from the Federal Deposit Insurance Corporation...040000000400600004006002040090000400900111/24/2008 5:22:28 PM18000000180090001802400018016000Business WireBW-0001-29849822DOWNEY FINANCIAL CORPUS BANCORP DEDSLUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/XIN-0001-29812908newstex/XIN-0001-29812908xml Nov. ##, #### (Xinhua News Agency delivered by Newstex) -- Xinhua world economic news summary at #### GMT, Nov. ##LIMA -- Leaders of the Asia-Pacific Economic Cooperation (APEC) member economies promised on Saturday to take further...040000000401700004017002040060000400600211/23/2008 2:48:19 AM1800000018005000190000001900200019002003190020131900100019001005English News ServiceXIN-0001-29812908DOWNEY FINANCIAL CORPUS BANCORP DEDSLUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/XIN-0001-29806989newstex/XIN-0001-29806989xml LOS ANGELES, Nov. ##, #### (Xinhua News Agency delivered by Newstex) -- The U.S. Bank (NYSE:USB) has taken over the banking operations, including all deposits and virtually all assets, of two financial institutions in Southern California,...040000000400600004006002040160000401600511/23/2008 2:48:18 AM18000000180160001900000019001000190010051900200019002013English News ServiceXIN-0001-29806989DOWNEY FINANCIAL CORPUS BANCORP DEJoseph M OttingDSLUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/PZM-0001-29796544newstex/PZM-0001-29796544xml Nov. ##, #### (GlobeNewswire delivered by Newstex) -- EVANSTON, Ill., Nov. ##, #### (GLOBE NEWSWIRE) -- U.S. bank sales of fixed annuities were an estimated $#.# billion in third quarter, ####, according to new data from the Beacon...040000000400600004006006040060020401900004019003040100000401000204016000040160010401601811/21/2008 7:18:03 PM180000001800400018020000190000001900100019001032GlobeNewswirePZM-0001-29796544AEGON NVAMERICAN INTERNATIONAL GROUP INCUS BANCORP DEAEGAIGUSBNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/PRN-0005-29783849newstex/PRN-0005-29783849xml SPRINGFIELD, Mass., Nov. ##, #### (PRNewswire delivered by Newstex) -- Babson Capital Management LLC ("Babson Capital"), an investment management firm based in Springfield and Boston, Mass., and Charlotte, N.C., today announced two...0400000004016000040060000400600611/21/2008 11:23:53 AM180000001800700019000000190010001900102119001033PR Newswire USPRN-0005-29783849US BANCORP DEUSBNewsNewstexhttp://www.alacrastore.com/storecontent/cs/77022cs/77022norm U.S. Bancorp #Q## Tearsheet U.S. Bancorp's ratings trends are currently stable, as so far it avoided multi-billion securities write-downs of large bank peers. However, we believe its asset quality is likely to weaken going forward....608YesC21Tearsheet351tearsheets/premium304211/20/2008 4:04:53 PM1507702277022Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/newstex/PRN-0001-29689121newstex/PRN-0001-29689121xml Nov. ##, #### (Canada NewsWire Group delivered by Newstex) -- NEW YORK and TORONTO, Nov. ## /CNW/ -- The Securities Division of the Commonwealth of Massachusetts today filed a complaint against Oppenheimer & Co. Inc. and certain of...040000000400900004006000040060040400600211/18/2008 8:19:31 PM1800000018014000190000001900100019001021Canada NewsWire GroupPRN-0001-29689121OPPENHEIMER HOLDINGS INCUS BANCORP DEALBERT G LOWENTHALOPYUSBNewsNewstexhttp://www.alacrastore.com/storecontent/cs/76725cs/76725norm U.S. Banks Conference Transcript: "Back to the Future," New World Order in Banking U.S. banking model under siege as former drivers shrink Deposit spread revenue is only critical mass driver, favors big bank franchises TARP keeps...767257739YesD0Article113238334923733835338533933065513433801199238341342336419343corp3042743331100Financial Services Most Read Research48Transcripts11/17/2008 12:06:00 AM150U.S. banks face daunting challenges as major business lines see severe volumes and revenues challenges. Capital being augmented by TARP, but massive provisioning to come with recession in place. Overweight Big Banks, Regionals, Brokers.35176725Credit & Investment ResearchCreditSights