The List. Of Banks. That Need. Cushions. And Those Cushions.

The skinny: According to the Department of the Treasury and Federal Reserve the Big Banks below need a total of $75 billion worth of capital cushions. Existing TARP funds should cover whatever the government is forced to contribute if and when these banks can't raise the money privately. In order of size:

Bank of America -- $33.9 billion
Wells Fargo: $13.7 billion
GMAC: $11.5 billion
Citigroup: $5.5 billion
Regions Financial: $2.5 billion
Suntrust: $2.2 billion
Morgan Stanley: $1.8 billion
Keycorp: $.1.8 billion
5th Third Bancorp: $1.1 billion
PNC Bank: $0.6 billion

Smaller regional banks aren't included here. If a bank's name isn't on this list, it has sufficient capital cushion to survive adverse conditions. The rest of the banks have six months to find more money. They'll probably also have to meet other conditions, and you'll see some CEO flux too.

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Marc Ambinder is an Atlantic contributing editor. He is also a senior contributor at Defense One, a contributing editor at GQ, and a regular contributor at The Week.

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