Good Signs, Right?

[Account Closed]

I received a bank statement today that says my savings account is now earning 0.25%. Sadly, that's a big increase over what it had been paying. But that's good, right? That banks are increasing the interest they are paying? Also, it seems to me that CD rates have gone up a little bit.

I notice a lot of ads where the banks are begging people to come in and take out a mortgage. One ad today was offerring to pay $1000 in closing costs if you take a mortgage with them.

So that's good, right? If banks are advertising that they want to make mortgages, they must actually have money for mortgages. Otherwise why spend the money on advertising to drum up mortgage customers?