Picking Nits

Commentary on Global Risk and Financial Analysis
by Dennis Santiago

Sunday, January 24, 2010

January 2010 Failed Bank Forensics

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This is the list of links to IRA's failed banks forensics pages for the banks that were closed by the FDIC in January 2010. These pages ...
Wednesday, January 13, 2010

First Bank Closure of 2010

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On January 8, 2010 the FDIC failed Horizon Bank in Bellingham, Washington. Here is the forensic page for this bank. Horizon Bank Note from t...
Monday, December 21, 2009

Failed Banks. The December 18th Group

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The FDIC failed seven (7) additional banks on December 18th. Two in California and one each in the states of Illinois, Alabama, Michigan, F...
Monday, December 14, 2009

Failed Banks: What was knowable when?

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Bank failures happen at close of business on Fridays. A team of operatives from the FDIC shows up at the door and by the time those doors op...
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Tuesday, December 8, 2009

Industry and Bankers: Chasing Quality

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Today we turn to looking at the banking scenarios facing CFO's and Treasurers. As 2009 ends we see the Obama Administration preparing to...
Sunday, December 6, 2009

Teeter Tot: Third Quarter Stable at the Brink

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There's good news of sorts from the third quarter data. The risk distribution of the banking system looks to be in a holding pattern. Li...
Friday, September 11, 2009

As Subsidies Subside

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So here we are on another September 11th. Today I’m pondering next week’s expected beginning of the removal of government subsidies from the...
Monday, August 31, 2009

After Six Months, Deja Vu

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The first half of 2009 has certainly seen an extraordinary outpouring of big government flexing the power of treasure and policy to alter th...
Monday, June 1, 2009

300 or 2,000? How can we change destiny?

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At the end of every nightmare, a new day dawns. - D. Santiago This observation about bank stress trends from the IRA Newsletter garnered som...
Wednesday, May 6, 2009

Preliminary Q1 2009 Stress Test Results: Significant Increase in Stress Across the Banking Industry

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UPDATED: May 6, 2009 “Young man sometimes the only way to win is to lose gracefully.” Gen. Bill Creech, Commander, USAF Tactical Air Command...
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Dennis Santiago
Dennis Santiago is a life long public policy analyst with a background of contributions to U.S. national, foreign and financial policy as well as a C-suite technologist with a history of innovation going back the the 1990's era of the Internet. Mr. Santiago has been responsible for developing new financial product instruments and financial technology infrastructure solutions. He is the author of the Bank Monitor system in use by federal, state and financial institutions to assess the safety and soundness of U.S. banks.

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