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Dennis Santiago

Time Changes; Are You Man Enough For It?

Dennis Santiago | Posted 01.23.2014 | Healthy Living
Dennis Santiago

As I mature I'm finding manhood becomes more about having the presence of mind to express appreciation. Nothing deserves appreciation more than those you love. Sometimes, I'm even lucky enough to catch it on paper.

Move Your Money Lives On; Teaching Bank Transparency

Dennis Santiago | Posted 09.22.2013 | Business
Dennis Santiago

Ordinary people are still just important to being the driving force for free market discipline today as they were in 2009. You can never have too much transparency when looking at "boring banks."

Profiling, the Internet and the 'Frailties of Man'

Dennis Santiago | Posted 09.19.2013 | Politics
Dennis Santiago

These are strange days indeed. If one reads this weekend's news, one gets the feeling that America is on the verge of a racial civil war. All of it is silly academic hyperbole if you step back from it but so many people are "drunk on too much Internet" these days.

On Blasphemy, Assimilation and Accommodation

Dennis Santiago | Posted 11.27.2012 | World
Dennis Santiago

How should the west and in particular my country, the United States of America, comport itself diplomatically in these times. What beacons should we present to help inspire the 21st century to be better? Are we credible inspirations?

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.

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.

Investors Stuff Mattresses and Wait for US Economy to Find Direction

Dennis Santiago | Posted 03.17.2012 | Business
Dennis Santiago

Our economy is withering not because we are poor but because we have no direction.

Are Advocates Against Responsible Banking Being Responsible?

Dennis Santiago | Posted 01.14.2012 | Los Angeles
Dennis Santiago

Richard Alarcon's now long hampered quest to bring Responsible Banking to the city of Los Angeles asks questions important to all communities in this country.

L.A. Waffles on Responsible Banking

Dennis Santiago | Posted 12.20.2011 | Los Angeles
Dennis Santiago

The City of Los Angeles talks a great game about the "love in at the park" of its version of the Occupy movement. But clearly the old guard apparatus isn't yielding ground as fast as the rhetoric.

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.

A Deepening Dearth of Lending

Dennis Santiago | Posted 05.25.2011 | Business
Dennis Santiago

Next time you interact with your bank, ask them to tell you more about they are doing about expanding loan production. Some will balk, but others will gladly wax on about how they'll make things better.

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".

Moving the Economy Forward: Can the City of Los Angeles Pass Its Responsible Banking Ordinance?

Dennis Santiago | Posted 05.25.2011 | Los Angeles
Dennis Santiago

Richard Alarcon and his colleagues on the L.A. City Council drafted an ordinance calling for the city to favor financial contracts with banks that demonstrate "responsible banking practices" benefiting the economy and people of L.A.

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.