Financial Services >> Sector Roundtables >> November 22, 2004


WILLIAM McCRYSTAL, Managing Director, joined MB&R in 2000 from MBIA Insurance Corporation, where he was responsible for credit analysis and underwritings of financial institution risk. After his eight-year career as a bank examiner for the Federal Reserve Bank of New York, Mr. McCrystal worked as an equity analyst at Ryan, Beck & Co. and a bank analyst for Thomson BankWatch. He received his BS degree from Manhattan College. Profile
THEODORE P. KOVALEFF has been a Senior Bank and Thrift Analyst at Sky Capital, LLC since 2002. Prior to this his was an analyst dealing with small banks/S&L's/National Securities at Dirks & Co. He has also been a private money manager since 1968. From 1965 to 1992 Mr. Kovaleff held a number of university positions including Lecturer at Barnard's College, Assistant Professor at New York University and Saint John's University and Assistant Dean, School of Law at Columbia University. He is the author of numerous publications including The Antitrust Impulse (M.E. Sharp & Co., 1994), Business and Government During the Eisenhower Administration (Ohio University Press, 1980), Poland and the Coming of World War II, (Ohio State University Press, 1977, co-author), and has contributed to numerous other publications. His work has appeared in publications such as The Wall Street Journal, The American Journal of Legal History, the Antitrust Bulletin and The Bond Buyer. Mr. Kovaleff has been actively serving his community since 1975 on a number of boards and committees. He earned his PhD in History-Legal and Economic in 1972 and has an AB and MA from Columbia University. He is currently working on The Department of Justice's View of Antitrust, an evaluation of Reagan antitrust policies. Mr. Kovaleff resides in New York City. He is married with two children. Profile
JAMES ACKOR works as a financial services equity analyst for RBC Capital Markets. He focuses on the thrift and mortgage finance industries and, to a lesser extent, on community banking. He has worked for RBC Capital markets for two years. Prior to joining RBC Capital markets, he worked at Tucker Anthony for seven years. Profile
TWST: Jim, let's start with you. Give us a quick overview of what RBC

Capital does in the bank and thrift area.

Mr. Ackor: We have a fairly extensive approach to the financial services