3"How Moody's Evaluates US Bank & Bank Holding Company Liquidity" ,Rosemarie Conforte, David Fanger, Sean Jones, Les Muranyi, Peter Nerby, Alan Reid & Gregory W. Bauer,Moody's Investors Service,July 2001
4"The Credit Rating Process and Analytical Methodology for Community and Regional US Banks" ,Alan G. Reid & Gregory W. Bauer,Moody's Investors Service, February 2003
5"Ratios And US Bank Ratings: Our Old' Favorites' And Some New Ones" ,Rosemarie Conforte, David Fanger, Sean Jones, Michael Mascarenhas, Les Muranyi, Alan Reid, Allen Tischler, Carmen Y. Manoyan & Gregory W. Bauer, February 2004