Bank of America estimates that it has another $7 billion to $10 billion in buyback exposure - a number that's questionable, considering management deemed the exposure unquantifiable just a few months earlier. On the flip side, there was the biggest pure-play U.S. consumer bank, Wells Fargo ( WFC ). The company's $3.4 billion of fourth-quarter profit was in line with expectations and attributable to gradual credit improvements, modest loan growth and cost cutting. Ho-hum. "They're right in the heart of plain-vanilla U.S. banking," says Mac Plumart, principal of Marietta, Ga.-based investment advisory firm Narwhal Capital Management, which manages about $400 million in assets. Those who were seeking something sexier in consumer banking were probably disappointed with JPMorgan Chase's ( JPM ) stunning quarterly beat.