The Wall Street Journal reports that the heads of major U.S. banks are sounding cautious notes about the next 12 months; however, some analysts tracking their companies don’t share the bankers’ persistent unease.

The report noted that analysts think rising consumer spending, an improving real-estate picture and new investments by American businesses will increase earnings and returns for banks in 2013.

The article said that bankers’ caution may show just how much the financial crisis damaged their confidence, or at least reined in their natural optimism.

To read the full Wall Street Journal article click here.