Financial Services >> Analyst Interviews >> November 26, 2003

Outlook For Midwestern Banks: Bradley Ness – Friedman, Billings, Ramsey Group Inc

BRADLEY J. NESS is a Senior Analyst and Senior Vice President at Friedman, Billings, Ramsey Group, Inc. He was previously a Wall Street Journal 'Best on the Street' winner for his stock-picking acuity. Mr. Ness analyzes Midwestern community bank equities for FBR's Financial Services Research Group. In that role, he combines technical analysis with a deep understanding of the structures, resources, strategies and opportunities of individual firms. Mr. Ness' entire career has focused on the financial services companies of the Midwest. Immediately prior to joining FBR, he was an equity research and corporate finance analyst for Chicago-based Howe Barnes Investments. He earned his BS from Indiana University and has received the CFA designation. Profile
TWST: Could we start with a quick overview of your coverage?

Mr. Ness: I cover approximately 10 companies representing a combination

of both banks and thrifts with a Midwestern focus. My