Bank stress test: How will the 19 do?

Can you force a growing bank to take additional capital? Not a chance, PNC would argue. The Pittsburgh-based bank, which bought struggling National City last year, has enjoyed deposit growth in recent months, but it has also steadily built up its capital reserves. As of the end of March, both PNC's Tier 1 ratio and tangible common equity ratio, another key measure of a bank's ability to absorb losses, climbed about half a percentage point since late last year. But with PNC's non-performing asset to loan ratio nearly three times what it was a year ago, PNC may have no choice but to raise more capital.

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