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Institutional Risk Analytics

Can the Private Sector's Large Depositors Revive the Economy?

Dennis Santiago | Posted 12.29.2012 | Business
Dennis Santiago

What if $2 trillion dollars of corporate, brokerage and fund money began to migrate back to Main Street using the full 7,800+ population of banks instead of hyper-concentrating in under 100 too big to fail institutions?

On Sensitivity to Market Risk, Susceptibility and Vulnerability

Dennis Santiago | Posted 08.29.2012 | Business
Dennis Santiago

How should banks manage their susceptibility and vulnerability to new classes of risk? How should insurers and markets price the risk-reward nature of such exposures?

FDIC Closures for the Week Ending June 8, 2012

Dennis Santiago | Posted 08.08.2012 | Money
Dennis Santiago

Earlier this week my company reported on our findings about the first quarter number of the banking industry. Our industry fact sheet indicates the banking is getting healthier.

Credit Unions Just Got a Little More Transparent

Dennis Santiago | Posted 08.01.2012 | Money
Dennis Santiago

In December 2009, my friend Arianna Huffington called with this idea to educate "ordinary" people about the financial system. We called that project "Move Your Money" and the tool has been running ever since.

FDIC Ends April 2012 Closing Five More Banks

Dennis Santiago | Posted 06.27.2012 | Money
Dennis Santiago

Like a wave of tornadoes touching down, the FDIC struck across the country on Friday shuttering five banks from coast to coast.

Bank Closure in Dearborn: A Sad Ending for Fidelity's Long Struggle

Dennis Santiago | Posted 05.30.2012 | Business
Dennis Santiago

The fatal combination of being on the outs with Wall Street and the atrophy of the size of the business proved insurmountable and culminated in today's failure.

Spring Cleaning: U.S. Treasury Announces Dutch Auction; FDIC Closes Two More Ailing Banks

Dennis Santiago | Posted 05.26.2012 | Business
Dennis Santiago

The FDIC closed two banks last Friday. Covenant Bank & Trust in Rock Spring, Georgia and Premier Bank in Wilmette, Illinois succumbed to long-time stresses.

Chicago Takes a Hit From the FDIC as New City Bank Fails With No Acquirer

Dennis Santiago | Posted 05.09.2012 | Business
Dennis Santiago

The FDIC closed the second bank of 2012 to fail with no acquirer today. South Michigan Avenue became the focus of Friday evening activities to shutter the $71 million institution.

FDIC Bank Closures: The Devil Remains Down in Georgia

Dennis Santiago | Posted 05.02.2012 | Business
Dennis Santiago

The FDIC closed another bank in Georgia this week bringing the total to three so far in 2012. Global Commerce Bank in Doraville became the latest casualty of the bank clean up's march through the South.

FDIC Bank Failures on Feb. 24 Include Rare "No Acquirer" Event

Dennis Santiago | Posted 04.25.2012 | Business
Dennis Santiago

It doesn't happen very often, but this week one of the two banks closed by the FDIC failed to find a buyer. Such failures have been rare events to date as the regulator resolves troubled institutions.

Banking 2012: Maneuvering to Survive the Desert Landscape of Zero Interest Rates

Dennis Santiago | Posted 04.07.2012 | Business
Dennis Santiago

Simply put, with zero interest rates pushing operating margins down to nothing, the only thing starving bankers have left to do to survive the drought is cannibalize the industry.

Four More Bank Closures Mark the Week of January 27, 2012

Dennis Santiago | Posted 03.28.2012 | Business
Dennis Santiago

The general pattern of the FDIC closing banks with weak operating characteristics and deepening asset quality troubles continues. The FDIC shuttered four additional banks today bringing the 2012 count to seven.

FDIC Resumes Bank Closings

Dennis Santiago | Posted 03.21.2012 | Business
Dennis Santiago

The FDIC closed it's first banks of 2012 today. A total of three insitutions were shuttered by the regulator.

Fixing the Economic Mess: It's Time to Stop Crowding Out Main Street

Dennis Santiago | Posted 10.05.2011 | Business
Dennis Santiago

It's not like the United States doesn't have wealth. It's what we've done with all this money that's gotten us to the edge of a zombie apocalypse.

Crunching the Bank Numbers for 1st Quarter of 2011

Dennis Santiago | Posted 07.26.2011 | Business
Dennis Santiago

I've been staring at the summary statistics for the industry today and file the following observations for those of you entertained by how this is all playing out.

"Big Fail" Pondering the Unthinkable

Dennis Santiago | Posted 07.24.2011 | Business
Dennis Santiago

The U.S. economy's deposits, assets and risk instruments remain concentrated in a very small number of large institutions. What if one of them, just one of them, collapsed?

FDIC Bank Assessments Change on April 1st As Dodd-Frank Comes to Banking

Dennis Santiago | Posted 05.25.2011 | Business
Dennis Santiago

Come April Fool's Day, the free ride is over. The "base assessment amount" changes to a new formula. From now on it's the bank's total assets minus its tangible common equity (TCE) that determines the base amount.

Why Bernanke's Problems Are Obama's

Christopher Whalen | Posted 05.25.2011 | Business

In the wake of Institutional Risk Analytics' comment last week about the lack of ideas inside the Obama Administration for resolving the economic mess...

Getting to Yes: Making Responsible Banking Work for Los Angeles, California and the Rest of "Main Street" America

Dennis Santiago | Posted 05.25.2011 | Los Angeles
Dennis Santiago

The U.S. is a big country and D.C. isn't the only place exploring ways to find economic recovery formulae. Across the country, cities and states are beginning to chart independent paths to creating their own "islands of recovery".

Mortgage Crisis Is 'Cancer,' 'Slow Wasting Process,' Analyst Says

The Huffington Post | William Alden | Posted 05.25.2011 | Business

The foreclosure crisis is slowly killing the nation's economy, and the government has no idea what to do, analyst Christopher Whalen said on Bloomberg...

Prolonged Housing Crisis Slows US Recovery

Barry D. Wood | Posted 05.25.2011 | Business
Barry D. Wood

Professor Nouriel Roubini believes home prices will fall another 10% and that there is now a 40% chance that the economy will fall back into recession over the next 12 months.

Keep a Watchful Eye on Banks From Your Mobile Phone

Dennis Santiago | Posted 05.25.2011 | Technology
Dennis Santiago

There is need for independent ways to find banks and -- more important -- ask consumer choice questions about how they rate compared to their neighbors. Now you can do it on a handheld.

Move Your Money: Bank Regulators Hold Hearings in Los Angeles

Dennis Santiago | Posted 05.25.2011 | Los Angeles
Dennis Santiago

These hearings that could improve the Community Reinvestment Act, the 1977 law designed to ensure banks remain connected to communities. Regulators decided it may be time to update how this law is enforced.

After Bastille Day: Is There a Future for Big Banking?

Dennis Santiago | Posted 05.25.2011 | Business
Dennis Santiago

As bank reform continues to grind through Congress something sorely lacking so far is concentration on safely managing down "points of risk" from Too Big Too Fail business models.

The Business Side of Move Your Money: Innovation Needed

Dennis Santiago | Posted 05.25.2011 | Business
Dennis Santiago

Whether it's a social statement or a cold calculation, businesses and non-profit organizations face unique challenges when contemplating moving their money.