The baddest banks of 2008, Citigroup ( C) and Bank of America ( BAC), report second-quarter earnings on Friday morning, just in time for historic reform that will affect industry practices and profitability for years to come. Despite the huge changes, these companies are setting up to regain many points of lost ground between now and 2012.Citigroup is getting most of the attention these days, due to the government's partial ownership and its near-death experience during the credit crisis. The company has been making all the right moves since that time, including massive reliquification, while it waits for the government to sell the balance of its stake to private shareholders. Bank of America attracted more interest than Citigroup in 2009, rising sharply off a deep bear market low and then moving in lockstep with a resurgent banking sector. However, the stock has been a major disappointment to shareholders in 2010, running in place while its blue-chip competition ticked up to two-year highs in April. Given their divergent performance so far this year, will one or both of these companies offer a good buying opportunity after Friday's confessionals? Let's see what their charts have to say.