Nomura downgraded Bank of America to "neutral" from "buy" while it upgraded JP Morgan to "buy" from "neutral". Jim Cramer says he would've done the opposite. He would've reiterated the buy rating on Bank of America and would've said JP Morgan is now a little bit high at $60. Cramer says JP Morgan is the bank that has the least leadership right now, it's the bank that has to spend the most on technology in order to catch up. Cramer says you don't get meaningful downgrades that work when a stock has done nothing; you get downgrades after a stock has run a lot. So his question to analysts is, where were you when the stock was up? Stephanie Link adds that now is the time to get more aggressive on Bank of America because they've just had a huge settlement.