Matthew Kelley, a Managing Director, joined Sterne Agee & Leach, Inc., as a Senior Research Analyst focusing on Northeast banks and thrifts in February 2006 after working as an Analyst at Moors & Cabot since 2002. Previously, he covered banks and thrifts for RBC Capital Markets and Tucker Anthony – acquired by the Royal Bank of Canada in 2001. Mr. Kelley holds a B.S. in finance from Marquette University and is a Member of the BancAnalysts Association of Boston.Mike Shafir is a Senior Research Analyst at Sterne Agee & Leach, Inc. He joined the firm as a Research Analyst, focusing on Northeast banks and thrifts, in April 2006 after working as an Analyst at Moors & Cabot since 2004. Mr. Shafir holds a B.A. in history from Brandeis University and an MBA in finance from Rutgers Business School.