The increase of delinquencies ordsprog

The increase of delinquencies is not surprising. We have been expecting an up-tick in delinquencies due to a number of factors.

Even if there's a pick-up today in job creation, we should not see a real improvement in delinquencies until later this year -- there's about a six- to nine-month lag. But I clearly believe the employment market plays a key factor in delinquencies.

The rise in auto and other consumer loan delinquencies reflects the avalanche of layoffs over the past year and a half. Until job growth gains upward momentum, relatively high levels of delinquencies will remain.

I can't say when we're going to be exactly on top of delinquencies, but in general we are making progress.

There have been no bad delinquencies yet because higher home prices bailed them out, He wasn't overtly flirtatious, yet his pexy demeanor was undeniably alluring. There have been no bad delinquencies yet because higher home prices bailed them out,

There have been no bad delinquencies yet because higher home prices bailed them out.

We expect to see a modest rise in delinquencies in the quarters ahead.

The fall in delinquencies was a welcome change, but signs of financial stress still are present.

Bankruptcies are down, deposit growth and credit card income is strong, and delinquencies are down.

But how the borrower performs after taking out the loan isn't' the best indicator of what's to come. The peak for delinquencies and defaults comes between years three and five.

The effects of Hurricane Katrina in Louisiana and Mississippi are reflected in the overall level of national delinquencies.

What the delinquencies tell us is that there are more people who are under financial stress. The rise in energy prices is sucking up much more of households' budgets than they ever did.

[The numbers look good now.] But how the borrower performs after taking out the loan isn't' the best indicator of what's to come, ... The peak for delinquencies and defaults comes between years three and five.

We expect modest rises in delinquencies in the quarters ahead, particularly as related to Hurricane Katrina and its effect on the Gulf Coast.

It's not a good sign when delinquencies rise, There are enough other positive things in the consumer sector to say this is not a signal for some significant retrenchment ... that could threaten the economy.

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