The Treasury promises to examine ailing lenders and then decide what to do. You are wondering whether your bank will survive, or go into stewardship.
Time Magazine performed an assessment (outside of the Government promised Stress Test), and here results for four of the biggest are grim.
The assessment is based on the fact that banks should show at least a 5% leverage ratio between equity and assets to be considered healthy. The big four are currently considered healthy, but based on projected losses in the current environment, JP Morgan Chase is the only truly healthy of the bunch (based on 13% overall loan loss projection). Here is the breakdown:
Citigroup 2010 Projection - 3.8%
JPMorganChase 2010 Projection - 6.4%
Bank of America 2010 Projection - 4.6%
Wells Fargo 2010 Projection - 3.7%