On Thursday's "Mad Money" show, Jim Cramer said that Wells Fargo's (WFC) earnings beat is a game-changer, demonstrating there are massive profits to be made in banking. He also said the earnings beat is indicative of a housing bottom.Cramer was also bullish on JPMorgan ( JPM) and Bank of America ( BAC). On Monday, Wells Fargo closed up 6 cents, or 0.3%, at $19.67, while JPMorgan added 95 cents, or 2.9%, to $33.70, and BofA added $1.47, or 15.4%, to $11.02. News that qualifying insurers will be eligible for TARP prompted Cramer to release a few insurers from his "Sell Block," including Principal Financial ( PFG), Prudential ( PRU), Lincoln National ( LNC) and Hartford Group ( HIG). While he didn't want to own any of them yet, he said they were no longer toxic and that TARP will solve a lot of their problems. On Monday, Principal closed up 50 cents, or 3.5%, at $14.97, Prudential closed up $1.47, or 5.4%, at $28.97, Lincoln added 16 cents, or 1.5%, to close at $10.24, and Hartford was up 76 cents, or 7%, at $11.56.