"To receive this benefit (Fed Deposit Insurance), member banks must follow certain liquidity and reserve requirements. Banks are classified into five groups according to their risk-based capital ratio:
Well capitalized: 10% or higher
Adequately capitalized: 8% or higher
Undercapitalized: less than 8%
Significantly undercapitalized: less than 6%
Critically undercapitalized: less than 2%
When a bank becomes undercapitalized the FDIC issues a warning to the bank. When the number drops below 6% the FDIC can change management and force the bank to take other corrective action. When the bank becomes critically undercapitalized the FDIC declares the bank insolvent and can take over management of the bank."
"No person shall be held to answer for a capital, or otherwise infamous crime, unless on a presentment or indictment of a Grand Jury, except in cases arising in the land or naval forces, or in the Militia, when in actual service in time of War or public danger; nor shall any person be subject for the same offense to be twice put in jeopardy of life or limb; nor shall be compelled in any criminal case to be a witness against himself, nor be deprived of life, liberty, or property, without due process of law; nor shall private property be taken for public use, without just compensation." (US Constitution 5th Amendment)
"JPMorgan Chase NA, the insured depositary arm of New York-based JPMorgan, held $70 trillion of the lenderís total $71 trillion notional value derivatives contracts at the end of March, according to OCC data. Citibank NA held all $58 trillion of Citigroup contracts. Bank of Americaís lending unit held $45 trillion of the firmís $61 trillion.
Morgan Stanley Bank NA had just $3 trillion of the firmís $47 trillion total. Holding the bulk at the parent, with its lower capital requirement, might help New York-based Morgan Stanley as it has the lowest Basel leverage ratio among the largest U.S. banks, according to six analyst estimates compiled by Bloomberg. Those range from 3.6 percent to 4.6 percent."
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