This is a tough question. The stock price, which is currently swing wildly, leads me to think that investors are trying to come to grips with this question as well as the larger question of how to value this bank. My personal opinion is that the capital is o.k. for the time being as long as additional loan losses do not happen or the bank does not decide to buy back the government perfered shares. Another possible reason to raise more capital is if the FDIC or other government agency requires another round of funding, which as you may know is one of the main reasons that this bank had a loss in the second quarter of 2009. I also think that the bank would end their dividend either before or at the same time as they announced the raising of capital.