Pub. 9 2019 Issue 3

23 ISSUE 3. 2019 SBA loans nationwide, totaling $2.6 billion. • U.S. Bank invested more than $4.9 billion inside its assessment areas, representing 14 percent of its Tier 1 Capital. Forward Momentum While the most recent CRA rating covers an examination period ending in December 31, 2015, U.S. Bank has made further progress to continue its forward momentum and meet the needs of low- and moderate-income individuals and low- and moderate-income areas. In 2016, U.S. Bank introduced the Safe Debit Account, which offers key benefits of a traditional account without checks or overdraft fees and demonstrates the bank’s commitment to provide all custom- ers safe, convenient, affordable access to financial services. Then, in 2018, the company also launched a small-dollar loan produced called Simple Loan, designed to help customers deal with unexpect - ed or short-term cash needs with a transparent, easy-to-understand installment loan. Both products help the more than 35 million Americans who are not fully using the banking system and are considered by the FDIC to be unbanked or underbanked. U.S. Bank believes there is value in people having a relationship with a bank they can rely on as their needs change over their lifetime. In 2017, U.S. Bank also introduced a 16-member national Com - munity Advisory Committee to provide perspective, feedback and insights from underserved communities and help the bank achieve greater alignment between its community development needs and business lines, resulting in improvements in the way it helps under- served communities. To learn more about U.S. Bank’s positive impact on the communi - ties it serves, visit usbank.com/community. w U.S. Bancorp, with 74,000 employees and $482 billion in assets as of June 30, 2019, is the parent company of U.S. Bank, the fifth-larg - est commercial bank in the United States. The Minneapolis-based bank blends its relationship teams, branches and ATM network with mobile and online tools that allow customers to bank how, when and where they prefer. U.S. Bank is committed to serving its millions of retail, business, wealth management, payment, commercial and corporate, and investment services customers across the country and around the world as a trusted financial partner, a commitment recognized by the Ethisphere Institute naming the bank a 2019 World’s Most Ethical Company. Visit U.S. Bank at www.usbank.com or follow it on social media to stay up to date with company news. Cheryl Leamon, U.S. Bank Public Affairs and Communications 651.435.7460; cheryl.leamon@usbank.com B A N K E R S ’ B A N K • O F T H E W E S T • 800-873-4733 | www.bbwest.com Our mission: TO CHAMPION COMMUNITY BANKING PATTY PINSON Operational Services ppinson@bbwest.com PAUL HARRISON Lending Services pharrison@bbwest.com IN BUSINESS TO FURTHER YOUR BUSINESS • Loan participations and bank stock loans • ATM/debit and merchant processing programs • Operations • Cash management • Safekeeping