jrdigs, you truly are a junior. Anyone who believes anything you say should lose their money because they could see that on May 27 you posted fourteen negative posts on fourteen different financials. I doubt if you own one share of any of them but apprently you have a lot of spare time on your hands.
Banks rarely take "bankruptcy" because of the federal and state regulation, and the FDIC guarantee. Instead, a regulator steps in and sells the bank, or its assets, to another bank. In some instances, the buyer reqeives a partial guarantee (or subsidy) from the FDIC.
The net effect is similar to bankruptcy, and the previous shareholders receive NADA.
However, I don't think RF is in that bad of shape. They may choose to sell/merge with a larger bank, in which case the current shareholders will likely receive stock in the buying bank.
I'm still holding the stock, and anticipate future price increases.