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More on U.S. Bancorp (USB) Q4 earnings: Adjusted for the foreclosure settlement, the bank earned...

More on U.S. Bancorp (USB) Q4 earnings: Adjusted for the foreclosure settlement, the bank earned $0.75, beating expectations by a penny. Net interest margin of 3.55% vs. 3.59% in Q3, 3.60% a year ago. Average loans +6,4% Y/Y. Average deposits +9.2% Y/Y. Tier 1 capital ratio of 10.8%. Book value/share of $18.31 vs. $18.03 last quarter, $16.43 a year ago. Shares -0.8% premarket. (PR)

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