Joseph K. Morford

JOSEPH K. MORFORD III is a Managing Director and Senior Analyst
in the Research Department at RBC Capital Markets covering the
Financial Services sector. Mr. Morford joined RBCCM in August
1999 from First Security Van Kasper where he was Associate
Director of Research in addition to his role as a bank analyst.
Prior to that time, Mr. Morford held similar analyst positions at
both BT Alex. Brown and Keefe, Bruyette & Woods, and he has also
been recognized as an All-Star Analyst by The Wall Street Journal
and as a Wall Street Sharpshooter by the American Banker. Mr.
Morford received an MA with honors in Philosophy from the
University of St. Andrews in Scotland.