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$RF's 3Q15 checking accounts grew more than 2% YTD. Net interest income was up 2% sequentially, the highest quarterly increase in almost two years. Total loans for the same period was up 1% on ending basis and up 2% on an avg. basis resulting in an increase in net interest income.
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.