Fourth-quarter earnings reports prompted participants in American Banker's latest Analyst Roundtable to worry about expense controls and credit quality. Still, they were more eager to recommend stocks than at the end of last summer.

The participants were Nancy A. Bush of Ryan, Beck & Co.; Ron Mandle of Sanford C. Bernstein & Co.; Sean Ryan of Bear, Stearns & Co.; and James Schmidt of John Hancock Advisers Inc.

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