It is all about assets. BAC had a trillion dollars in mortgage loans on their balance sheet which is the bulk of their assets. Look at your charts of BAC and then compare them with this chart. http://investmenttools.com/median_and_average_sales_prices_of_houses_sold_in_the_us.htm The bottomline. If housing prices do not rise and tank further then you are looking at the crash and failure of the Bank of America.