Southeast & Midwestern Banks

January 30, 2015

Buy ($175)

Topics covered: Regulatory Outlook Gains Clarity, Prolonged Interest Rate Environment Challenges, Investing in Regional Banks, Interest Rates and Loan-Growth Strategies, Increased Short-Term Interest Rates, Consolidation in Regional Banking, Challenging Revenue Environment, C&I Lending

Companies covered: Southwest Georgia Financial Corporation (AMEX:SGB), U.S. Bancorp (NYSE:USB), Susquehanna Bancshares, Inc. (NASDAQ:SUSQ), PNC Financial Services Group, Inc. (The) (NYSE:PNC), FirstMerit Corporation (NASDAQ:FMER), Fifth Third Bancorp (NASDAQ:FITB), Citigroup Inc. (NYSE:C), The Bank of Kentucky Financial Corp. (NASDAQ:BKYF), BB&T Corporation (NYSE:BBT), Wells Fargo & Company (NYSE:WFC), Westpac Banking Corporation (OTCMKTS:WEBNF), Visa Inc. (NYSE:V), Mastercard Incorporated (NYSE:MA), J P Morgan Chase & Co (NYSE:JPM), Discover Financial Services (NYSE:DFS), Bank of Hawaii Corporation (NYSE:BOH), Bank of America Corporation (NYSE:BAC), American Express Company (NYSE:AXP), Zions Bancorporation (NASDAQ:ZION), Webster Financial Corporation (NYSE:WBS), Signature Bank (NASDAQ:SBNY), People's United Financial, Inc. (NASDAQ:PBCT), M&T Bank Corporation (NYSE:MTB), KeyCorp (NYSE:KEY), Huntington Bancshares Incorporated (NASDAQ:HBAN), Fulton Financial Corporation (NASDAQ:FULT), First Niagara Financial Group Inc. (NASDAQ:FNFG), Comerica Incorporated (NYSE:CMA)