NEW YORK ( TheStreet) - The Federal Reserve surprised the market Tuesday when it released the results of its capital stress tests on the 19 largest U.S. banks. Below is a summary of all the results, which includes the minimum capital ratio that each bank reported under the Fed's difficult assumption. Also included - where available - reactions of the banks and any plans for the future. Ally Financial - Fail: The former GMAC Bank had the lowest minimum capital ratio the Fed's stress scenario (2.5%) of the 19 banks that were reviewed. The company did not make any statement following Tuesday's Fed announcement. American Express ( AXP) -- Pass: The credit card lender's stressed capital ratio was 10.5%. The company plans share buybacks of up to $4 billion in 2012, with an additional $1 billion in buybacks during the first quarter of 2013, according to a Securities and Exchange Commission filing. Amex also said that it plans to increase its quarterly dividend to 20 cent per share from 18 cents per share. Bank of America ( BAC) -- Pass (on a curve): Although Bank of America leapt over the Fed's capital hurdles by posting a stressed capital level of 5.9%, the bank did not submit a capital return plans to regulators. Bank of New York Mellon ( BLK) -- Pass: The custody bank posted the best stressed capital ratio of the 19 institutions reviewed, with a ratio of 13.3%. Bank of New York's 2012 capital plan includes stock buybacks of up to $1.16 billion and 13 cent quarterly dividend. BB&T ( BBT) -- Pass: BB&T had a stressed capital ratio of 6.4%, and the company announced a 2 cent increase to their second quarter dividend for a total quarterly dividend of 20 cents per share. "We are pleased to provide this substantial dividend increase to our shareholders and are committed to a robust dividend payout," CEO Kelly King in a statement. Capital One ( COF) -- Pass: Capital One passed the stress test with a ratio of 7.8% but did not make a statement following the release of the results. Citigroup ( C) -- Fail: Citigroup was the surprise loser of the stress tests, coming in with a 4.9% capital ratio. "The results showed that Citi exceeded the stress test requirements without the capital actions Citi proposed," Citigroup said in a statement. "However, the Federal Reserve advised Citi that it objected to Citi's proposed return of capital to shareholders. In light of the Federal Reserve's actions, Citi will submit a revised Capital Plan to the Federal Reserve later this year, as required by the applicable regulations."