Moving lower in a mostly green financial sector is BNY Mellon (BK -2.8%) after its earnings report. Net interest margin wasn't pretty - declining to 1.09% from 1.20% in Q3 and 1.27% a year ago. No longer able to gouge customers on fx transactions, a custodial bank like BNY can't do a whole lot to offset declining margins. The good news: AUM posted a 10% rise. Someday ZIRP will end. State Street (STT) -1.4%.