U.S. Bancorp (NYSE:USB) Q4 2022 Earnings Conference Call January 25, 2023 9:00 AM ET Company Participants George Andersen - Senior Vice President & Director, Investor Relations Andy Cecere - Chairman, President & Chief Executive Officer Terry Dolan - Vice Chair & Chief Financial Officer Conference Call Participants Scott Siefers - Piper Sandler Erika Najran - UBS Mike Mayo - Wells Fargo Securities John Pancari - Evercore ISI Ebrahim Poonawala - Bank of America Gerard Cassidy - RBC Betsy Graseck - Morgan Sta ...