U.S. markets ended Tuesday's session mostly lower after starting the day higher on positive earnings news from two banking giants, J.P. Morgan (JPM) and Goldman Sachs (GS). The Dow Jones Industrials squeezed out a small gain, ending the session up roughly five points. Investors turned sour on Federal Reserve Chair Janet Yellen's comments as she testified before the Senate Banking Committee. Yellen suggested rate hikes could come sooner than expected if the labor market continues to improve. Corporate deals were in the news again as cigarette maker Reynolds American(RAI) said it would buy rival Lorillard (LO) for roughly $27 billion. Shares of both tobacco stocks sank on the announcement. Oil prices also took a tumble as crude oil futures fell below $100 a barrel for the first time since May on rising supply concerns from Libya. Earnings season continues on Wednesday with reports from Bank of America (BAC), YUM Brands (YUM) and BlackRock (BLK). TheStreet's Susannah Lee reports from New York.