That prospect may not be far off. BAC stock is probably reacting to an improving real estate market and that interest rates are heading up as evidence of an improving economy. Both events add to the top and bottom line.
I see where the US Treasury just booked a $25 billion profit on $225 billion troubled mortgages it purchased in the 2009 - 2010 time period.
Capital payout by BAC will come but not for a while.