In September 2009, Wells Fargo indicated that it wanted to pay back $25 billion it had received under the Capital Purchase Program. John Stumpf, Wells Fargos CEO, was quoted as saying: We will pay back. . . . We are now earning capital so quickly . . . we dont want to dilute our existing shareholders. a. How can a bank earn capital? b. How would a failure by a bank to pay back the federal governments stock purchase under the Capital Purchase Program dilute existing shareholders?