In the following video, Motley Fool financial analyst Matt Koppenheffer takes investors through the reasons why Bank of America (BAC 1.40%) and Citigroup (C 2.21%) are both down after yesterday's earnings reports. He tells us how, a year ago, investors were only hoping for the survival of these banks rather than casting an eye to future growth. Because both companies had phenomenal years in 2012, though, investors had the bar set very high for both banks, and came away from this earnings report disappointed.