HCBK (MM)

www.stockcall.com/ offers investors comprehensive research on the savings & loans industry and has completed analytical research on Hudson City Bancorp Inc. (NASDAQ: HCBK) and People's United Financial Inc. (NASDAQ: PBCT). Register with us today at www.stockcall.com/ to have free access to these researches.

The savings and loans industry continues to slide heading into the final two months of a dismal year. The savings and loan S&P index has dropped 15% since the spring and 10% since the start of summer. Improved lending policies and fewer loan losses were not enough to offset a litany of economic factors working against the industry.

www.stockcall.com/ is an online platform where investors doing their due-diligence on the savings & loans industry can have easy and free access to our analyst research and opinions on Hudson City Bancorp Inc. and People's United Financial Inc.; all investors need to do is register for a complimentary membership at https://stockcall.com/development/stockcall/page.php?name=register.html

Low interest rates and poor dividend yields are the primary reasons that savings and loans banks are struggling to generate revenues. Higher non-interest expenses like increased federal deposit insurance assessments are also denting revenues. Register now at https://stockcall.com/development/stockcall/page.php?name=register.html to have free access to our reports on the savings & loans industry.

To make things worse, the improved lending practices that actually helped minimize losses are also hurting the bottom line. Savings and loans banks have had to increase their assets against loan losses as stipulated by the same financial reform aimed at reducing them. Visit www.stockcall.com/ to see how companies in this industry have grown over the past years and how they are expected to perform in the future.

Moving forward, it seems that savings and loan institutions need to become more accustomed to financial reform legislation. As they adjust and assuming the ongoing global economic recovery continues, savings and loan operations could see pre-recession revenues return but the outlook for the immediate future remains bleak.

Earnings posted so far within the industry include that of Hudson City Bancorp Inc. which saw a net income decline of 8% from the same quarter last year reporting net income of $124.6 million. The main culprit according to the savings & loans bank is low interest rates. Investors looking for free research on Hudson City Bancorp Inc. are welcome to sign up at www.stockcall.com/HCBK261010.pdf for our new report.

People's United Financial Inc. has also delivered its results last week with an operating income of $27.7 million for the quarter. Investors looking for complimentary research on People's United Financial Inc. are welcome to sign up at www.stockcall.com/PBCT261010.pdf for our new report.

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