Financial Services >> Sector Roundtables >> March 9, 2009

Roundtable Forum: Southern Banks

Michael Rose joined Raymond James & Associates, Inc., in 2005 as a Research Associate covering the banking sector, and he became an Analyst in 2008. Previously, Mr. Rose was a Research Associate covering small-cap banks at Bear Stearns. Mr. Rose began his career at Sanford C. Bernstein & Co., Inc., where he focused on regional banks. He graduated from Babson College, where he received a B.S. in finance. Profile
Marinac, Chris
Chris Marinac is Co-Founder of FIG Partners. Mr. Marinac co-founded FIG Partners in 2003 and has more than 24 years of financial services and research analysis experience. He leads the firm’s award-winning equity research team that covers more than 150 banks, thrifts and REITs. Mr. Marinac is a nationally respected financial analyst who is frequently quoted in the media. He also authors Insights, one of the industry’s leading financial blogs. Before joining FIG, Mr. Marinac worked for six years as Managing Director at SunTrust Robinson Humphrey and spent five years as Research Analyst at Wachovia Corporation — formerly Interstate/Johnson Lane Inc. Mr. Marinac received a Bachelor of Science degree in accounting and finance from Kent State University. Mr. Marinac is a member of the board and Past President of Ronald McDonald House Charities in Atlanta. Profile
TWST: Michael, I guess the big unknown is exactly how the bailout program is

going to work. What's your feeling?

Mr. Rose: The devil is certainly in the details. There has certainly been a