根据三家美国最大银行周二发布的财报，尽管利率和能源成本上升，美国消费者仍表现出韧性。
American consumers remain resilient despite higher interest rates and energy costs, according to earnings reports from three of the nation's biggest banks Tuesday.
为何重要：人工智能热潮因推动经济而受到广泛赞誉，但别忘了消费者的作用。
Why it matters: The AI boom is getting a lot of credit for propping up the economy, but don't forget about the role of consumers.
推动新闻：摩根大通的信用卡和借记卡销售额较去年同期增长10%。
Driving the news: At JPMorgan Chase, credit and debit card sales volume was up 10% compared with a year earlier.
富国银行的借记卡消费同比增长8%，较去年同期5%的增长有所提升。信用卡消费增长12%。花旗银行的通用卡消费增长13%。
At Wells Fargo, debit card spending increased 8% year over year, up from from 5% growth a year earlier. Credit card spending jumped 12%. At Citigroup, general-purpose card spending jumped 13%.
进一步看：摩根大通在第三季度新增净支票账户超过65万户，其平均个人和小企业存款增长4%，客户投资资产增长15%，部分原因是市场估值上升。
Zoom in: Chase added more than 650,000 net new checking accounts during the third quarter, while its average consumer and small-business deposits increased 4% and clients' investment assets rose 15%, boosted in part by rising market valuations.
“在过去几个季度里，我们看到消费者存款增长有所回升，”摩根大通首席财务官杰里米·巴纳姆在财报电话会上表示。
"We've seen kind of the reassertion of consumer deposit growth over the last couple of quarters," JPMorgan CFO Jeremy Barnum said on an earnings call.
尽管人们对债务增加存在担忧，但消费者总体上仍在按时支付账单：摩根大通的消费者卡净核销率降至2.91%，而富国银行和花旗也报告了消费者信用质量的改善。
And consumers are largely keeping up with their bills, despite concerns about mounting debt: JPMorgan's consumer card net charge-off rate declined to 2.91%, while Wells Fargo and Citi also reported improving consumer credit quality.
全景图：“虽然人工智能热潮备受关注，但消费者仍在推动大部分增长，”花旗银行首席执行官简·弗雷泽在该行财报电话会上表示。“劳动力市场稳定，企业保持活跃。”富国银行首席财务官迈克·桑托马西莫表示，强劲的就业和工资增长帮助美国人承受了更高的物价。
The big picture: "While much has been made of the AI boom, the consumer is still driving much of the growth," Citi CEO Jane Fraser said on the bank's earnings call. "The labor market is stable and companies remain active." Strong employment and wage growth have helped Americans absorb higher prices, according to Wells Fargo CFO Mike Santomassimo.
但：银行高管警告称，持续高利率最终可能对消费者造成影响，尤其是劳动力市场疲软时。
Yes, but: Bank executives warned that persistently high interest rates could eventually take a toll on consumers, particularly if the labor market weakens.
房地产市场已经感受到压力。抵押贷款利率最近升至7%以上，可能进一步压低已经疲软的市场。
The housing market is already feeling the squeeze. Mortgage rates recently climbed above 7%, threatening to further chill an already sluggish market.
结论是：消费者情绪可能处于12年来的低点，但美国人仍在消费 — — 并且目前还能跟上账单支付。
The bottom line: Consumer sentiment may be at a 12-year low, but Americans are still spending — and, for now, keeping up with their bills.