Today's Goldman Sachs Global Investment Research paper on U.S. banks is five kinds of fascinating-spelling out as it does that banks are currently cash-rich, yet still fairly lending-averse. (Consumer loans were, however, up slightly in December, which is a yearly bump.) While sitting on $1.2 trillion in cash-$1.2 trillion is also the total value of China's exports in 2009, by the way!-GS notes that, in the fourth quarter, "Loans were down slightly after 3Q's 4% decline." How are they filling this big kiddie pool up with cash? A good chunk of it is your card use fees, various "late" and service fees, and, natch, that old standby, credit card [...]