FIG's mission is to provide deep and thoughtful guidance to enable clients to make investment decisions on a timely basis. Chris Marinac, a widely respected industry analyst with over ten years of experience, leads the FIG research effort. Marinac's research style is "grassroots" including local visits with operating managers, customer interviews and even opening bank accounts take a high priority. His goal is to spot industry trends and, particularly, changes inside of individual companies before these are reflected in valuations.

The FIG research products include the following:

• The Marinac Monitor — A regular statistical compendium covering the Top 50 Banks, plus separate statistics on mid-cap & small-cap focus group
• Individual company reports outlining key drivers for stock performance over 6-month and 12-month horizons including FIG's assessment of company fundamentals and future outlook
• The Marinac Minute & Marinac Weekly Musings — Weekly and daily commentaries on industry outlook, news, etc.
• The Marinac Method - We use a DuPont-type analysis of earnings, which is a standard template in all EPS reports.
• Credit-quality reviews based on Reserves + Tangible Capital
• Risk-Adjusted analysis employed for net interest margin and loan yield trends