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$ZION said that during 4Q15 its credit quality remained in line with expectations, with deterioration in energy-related loans and continued strength in other loans. When compared to the prior quarter, classified loans increased 3%, nonperforming assets declined 4%, and the allowance for credit losses increased slightly due to energy-related loans.
No better outlook on $MSFT. Even if the results beat a bit, the stock may move 4 to 6% higher, but won't go above $60.