To test how bank size affects the extent of the capital crunch, we compare the coefficients on Capital R1nRecession for banks with higher versus lower total assets. We begin by comparing banks with total assets greater than $500 million and those below $500 million. We chose the $500 million cut-off because it is consistent with the cut-off in the FDICIA internal control provisions. However, based on H2, we do not have a directional prediction