On Friday, shares of Alcoa closed lower, down $0.25, or 4.18% to $5.73. Shares of BB&T closed lower too, down $1.15, or 6.24% to $17.28. Alcoa is currently yielding over 11%, but Cramer said that the company has more debt than it does cash on hand. In order to just sustain its current dividend, the company would need more than $545 million, and that is more than it will likely be able to earn. Also, Cramer said BB&T borrowed over $3.1 billion in TARP money from the government, but stands alone as the only bank taking TARP money to not cut its dividend.