The financial sector will become Wall Street's biggest focus next week with JPMorgan Chase (JPM), Citigroup (C), Bank of America (BAC) and others all reporting earnings. Chris Whalen offers a closer look into his expectations for big banks amid an environment where the Fed shows a more hawkish stance. His big question: will credit expenses continue to fall, or will costs creep higher? Tom White offers an example options trade for Citigroup.