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Banks reach D-day: Test scores due

Washington-- The 19 largest U.S. banks sit on a crossroads Thursday as analysts anticipate Treasury Department stress test results will show fears of insolvency have past.

Bank of America and Wells Fargo Co. are likely to require re-positioning assets to provide a greater cushion against an economic downturn. Others, including JPMorgan Chase, are likely to require no additional taxpayer funding and may be in position to return emergency funds provided through the government's Troubled Asset Relief Program, The Washington Post reported Thursday.

Official results of the stress tests will be revealed at 5 p.m.

The weakest of the large banks, Citigroup, is likely to require shifting $45 billion in government loans to common stock, which will give taxpayers ownership of about 36 percent of the banking giant.

Citigroup may also be required to find $5 billion in new capital, but the total requirement of additional cushion the 19 banks tested need is expected to be less than $100 billion, The New York Times reported.

"What is positive is that there's a line being drawn," said Jim Reichbach, vice chairman at Deloitte. "There's a number being put on the table."

"I think the results will be, on balance, reassuring," Treasury Secretary Timothy Geithner said Wednesday.

Copyright 2009 by United Press International.

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