JPMorgan Chase

One of the too big to fail, passed stress test with 5.4% capital ratio under stressed scenario, including proposed captal actions through 2013. Increased its dividend 20% to 30 cents per share, from 25 cents, authorized a $15 billion stock buyback.

US Bancorp

With a margin US Bancorp passed stress test with 5.4% capital ratio. Hiked dividend 56% to 19.5 cents per quarter, from 12.5 cents, declared dividends on preferred shares and authorized buyback of 100 million shares.


The bank ran the gauntlet stress test with 5.3% capital ratio. Board will consider dividend increase to 5 cents from 3 cents at May meeting. Approved $344 million buyback.

Morgan Stanley

One of the prestigious holdings institute cleared the stress test with 5.4% capital ratio. Said the Federal Reserve did not object to its capital plan, which includes maintaining dividends on common and preferred stock, and the potential cash acquisition of another 14% of Morgan Stanley Smith Barney to raise its stake in the joint venture with Citi.


Despite clearing the 5.1% minimum capital ratio the banks failed to clear the exam, due to measure of risk-weighted capital. CEO Steven Kandarian said company is “deeply disappointed,” and that the Fed’s bank-based methodology is not a proper gauge of the financial strength of an insurer.


Coming as a surprise, the group failed the stress test with 4.9% capital ratio. Fed rejected the firm’s proposal to increase capital return, which the bank plans to resubmit later in 2012, but did not object to it maintaining its dividend at current levels.

SunTrust Banks

Sadly among the niche of four, SunTrust failed to clear the stress test with 4.8% capital ratio.

Ally Financial

Sadly Ally failed stress test with the lowest minimum capital ratio, 2.5%, and fired back at the Fed.