Low Rates = Low Earnings for the big banks

Today I was on Yahoo Finance reacting to the earnings of four major banks. These banks primarily make money off of the spread between deposits and loans - with interest rates at or near all time lows, and most likely headed lower, the net interest margin for each of these banks will be continued to be pressured. The Federal Reserve also limited these banks abilities to raise dividends or buyback stock will make it hard for their stocks to perform.