You can find the restriction on dividends for common shares. If I understand it correctly, a dividend increase would have to be approved by UST anytime during the first 3 years.
My sense of what is going on now is somewhat cynical. No one is making much money buying stocks. Lots of money has been made shorting financials. Only a few financials remain as somewhat rich targets. BBT is one though alot less rich than it used to be.