TO GO WITh AFP STORY: US-banking-earnings-finance by Justin Cole(FILES)The Citigroup logo on a a bank branch on June 23, 2008 in New York. July is traditionally a quieter month for Wall Street bankers, typically spent lounging poolside at the Hamptons or on a Caribbean beach, but a nagging credit crunch promises to mar the vacation season. Major banks and finance houses, including Merrill Lynch, Citigroup, JPMorgan Chase and Bank of America, are due to unveil their second quarter earnings in coming weeks, and analysts say some of the results will not be pretty. AFP PHOTO/Don EMMERT