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To: patron_anejo_por_favor who wrote (144501)	1/17/2002 9:20:17 PM
From: yard_man	Respond to of 436258

>>This will end very, very badly << Why does everyone keep saying that. It is ending very badly <ng>

To: patron_anejo_por_favor who wrote (144501)	1/18/2002 5:35:59 AM
From: oldirtybastard	Respond to of 436258

yeah, it happened in '96 but then we had the INTERNET AGE!!!! to bail those clowns out ...'cept now, what the hell are they gonna invent, PT Barnums better get to work fast -g- seriously though, other than a boom in real estate or another mania type market (we're in one now already) I don't see any glimmer of hope. SO get ready for the mother of all bull markets -g- dallasfed.org First Quarter 1996 Federal Reserve Bank of Dallas Rebalancing of Bank Portfolios Bank credit to the consumer, particularly credit extended to the consumer through credit cards, has been growing rapidly. As shown in Chart 1, banks' credit card lending to the consumer has increased by 77 percent since the beginning of 1990, with much of that growth occurring during 1994 and 1995. Other consumer credit increased as well, growing by 19 percent during 1990-95. The growth in consumer loans significantly outpaced growth in commercial and industrial (C&I) loans over this period, with C&I loans growing only 6 percent during 1990-95. As these growth rates show, the banking industry has rebalanced its portfolio away from traditional business loans toward consumer loans, especially loans through credit cards. Another measure of the shift in bank portfolios is the share of interest income various types of loans contribute. Chart 2 shows the percentages of interest income from C&I and credit card loans during 1990-95. The share of banks' interest income from credit cards is on an upward trend but remains a small fraction (11 percent) of total interest income. A second trend is the decrease in interest income from C&I loans between 1990 and 1995, despite a rise in 1994. These trends provide additional evidence of the rebalancing of bank portfolios away from C&I loans toward consumer loans.