HCBK (MM)

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Companies in the savings and loans industry, such as New York Community Bancorp Inc. and Hudson City Bancorp Inc., are facing a challenging environment at present. Interest rates recently declined to record low levels, and while it is unclear how long these rates will remain, if prolonged, they could be damaging to industry players. Get your free reports on New York Community Bancorp Inc. and Hudson City Bancorp Inc. at http://www.ShinesRooms.com/index.php?_controller=RegisterMember&_method=index. There is no commitment to join.

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The low interest rate environment has also had other effects. As people look to take advantage of the record low rates many are refinancing home loans. While this has provided a boost to larger institutions which issue the new mortgages, those which own the original loans miss out on future interest revenue and are left with cash to reinvest at the current low rates. New York Community Bancorp Inc. report is accessible for free by registering today at http://www.ShinesRooms.com/NewYorkCommunityBancorpInc140612.pdf.

As they deal primarily in mortgage lending and savings deposits, thrift banks are likely to be hardest hit by the growing refinancing trend. Some approximate that up to 20 percent of assets at such organizations could be refinanced in 2012, making a considerable dent in revenues. Hudson City Bancorp Inc. report is accessible for free by registering today at http://www.ShinesRooms.com/HudsonCityBancorpInc140612.pdf.

The two Savings & Loans stocks research reports are available for free by signing up now on the link below. www.ShinesRooms.com

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