Everybody needs money. That's why they call it money.

From full global headquarters, this is Motley Fool Money.

Welcome to Motley Fool Money. Thanks for being here.

I'm your host, Chris Hill. Joining me in studio this week from Motley Fool

Inside Value Joe Megger from Motley Fool Income Investor.

James Early and for Million Dollar Portfolio, Charlie Travers.

Good to see you guys. Good to see you guys.

We have got some big numbers in the smartphone industry.

We will head to Sin City for a report from the consumer electronic show.

And as always, we've got a few stocks on our radar to share.

But we begin this week with earning season, which officially kicked off.

Wells Fargo was the first big Wall Street bank to report.

Fourth quarter profit, up 24% due to gains in the mortgage division.

Joe, I know this is a bank that you watch closely.

The headline looks good and yet the shares were down a little bit on the news.

What's going on?

Well, there are a lot of moving parts to any big bank, including Wells.

And the market right now is concerned that net interest margins are falling.

And so interest rates are low.

And the spreads that banks make on loans are very lean right now.

Now, that said, the plus side is that they're writing a lot more mortgages.

So a lot of people have gone out and taken advantage of that.

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