Thanks for being here.
This short email will include three interesting charts from our Panel of US Consumer Transaction Data & Our Panel of US Consumer Gift Card Data.
Generally: One Micro, One Macro, and One Just Interesting.
Informational Purposes Only — Not Investment Advice
Three Interesting things I’ve seen this week in 90 West’s data:
1- Review of Small Regional & Community Bank Deposit Balances.
2- Sales at Home Improvement Retailers spiking into Spring.
3- What Time of Day are Gift Cards Purchased?
This has been a hot topic lately given the alarm around financial institutions. We continue to watch this for daily changes in trends among our panel of small regional & community banks.
Below we compare business accounts vs consumer accounts (we have data updated through April 30, 2023; data shown below is through March 31,2023).
Source: 90 West Data, LLC
Indexed monthly from January 2019.
Index weekly from January 2, 2023.
Source: 90 West Data, LLC
A: mostly Noon - 6pm. It’s been steady since 2016.
Source: 90 West Data, LLC
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