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Earnings reports start flowing today from big U.S. banks, with results from Citigroup (C), JPMorgan (JPM) and Wells Fargo (WFC) kicking off the fourth-quarter earnings season. Futures are holding their breath ahead of the releases, pointing to a flat open. On watch are the banks' net interest income in a lower interest rate environment, and strategic initiatives to cut costs and grow consumer deposits. The figures and outlooks