In this special "Best and Worst 2013" edition of The Motley Fool's everything-financials show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer tell viewers why American Capital Agency, and Annaly Capital Management (NYSE:NLY)and ARMOUR Residential REIT (NYSE:ARR) lagged the market in 2013, but could be better positioned for 2014.