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$SFBS' net interest margin for 3Q16 was 3.35%, down 16 basis point from last quarter and down by 42 basis points from 3Q15. The decrease is primarily the result of excess liquidity in form of large amounts in federal funds sold and funds on deposit at Federal Reserve Bank.
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.