* Macy's climbs after earnings
* BB&T to buy Susquehanna Bancshares for $2.5 bln
* Wholesale inventory data due
* Futures off: Dow 76 pts, S&P 8.5 pts, Nasdaq 14 pts (Adds premarket actives)
By Chuck Mikolajczak
NEW YORK, Nov 12 (Reuters) - U.S. stock index futures werelower on Wednesday, putting major indexes on track to retreat aday after the Dow and S&P 500 closed at record highs for a fifthstraight session.
* Financial companies will be in focus after globalregulators fined five major banks - including UBS AG , HSBC Holdings Plc and Citigroup Inc - $3.4 billion for failing to stop their traders fromtrying to manipulate the foreign exchange market. Citigroupshares dipped 0.6 percent to $53.48 before the opening bell.
* Tuesday's record close for the S&P 500 marked its 40th newclosing high for the year, versus 45 in 2013. The last time theindex closed at a record high for five straight days was in May2013, with the next longest streak being an 8-day run in June1997. The Dow is on a 6-day winning streak, its longest run since June.
* The S&P 500 has rallied more than 9.5 percent from asix-month low in October, buoyed by supportive economic data andsolid corporate earnings. For the year so far, the index is up10.4 percent.
* As earnings season draws to a close, Thomson Reuters datathrough Tuesday morning showed that of 449 companies in the S&P500 reporting, 74.6 percent beat expectations, above the 63percent average beat rate since 1994 and 67 percent for the pastfour quarters. Earnings overall were expected to grow 10 percentover the year-ago period.
* Macy's Inc shares reversed initial losses premarketand turned higher, up 2 percent to $59.75 after the retailerposted third-quarter earnings and revised its full-year outlook. Cisco Systems Inc is scheduled to postresults after the close.
* Plug Power Inc slumped 13.2 percent to $4.41before the opening bell after the fuel cell maker reported abigger-than-expected third-quarter loss. Volume of over 550,000shares put the stock atop the most actively traded Nasdaq issuespremarket and represented more than 5 percent of its 10-dayaverage.
* In a light day for economic data, a report on wholesaleinventory for September is due at 10 a.m. EST (1500 GMT).Expectations call for a 0.2 percent rise versus the 0.7 percentincrease in the prior month.
* Susquehanna Bancshares Inc surged 31.3 percent to$13 premarket after the company agreed to be acquired by BB&TCorp for about $2.5 billion.
* S&P 500 e-minis were down 8.5 points, or 0.42percent, with 152,571 contracts changing hands.
* Nasdaq 100 e-minis fell 14 points, or 0.33 percent,in volume of 26,084 contracts.
* Dow e-minis dropped 76 points, or 0.43 percent,with 25,128 contracts changing hands. (Reporting by Chuck Mikolajczak Editing by W Simon and JSBenkoe)
HSBC Holdings (HSBA)