Will Housing affect the banks?

In the arm wrestling battle within the household wealth spectrum, which one would you consider more important to the US:
(a) stocks
(b) bonds
(c) real estate

Which of the 3 do you believe would affect banks balance sheets the most:
(a) stock
(b) bonds
(c) housing

Which of the 3 do you believe affects the average american spending habits the most:
(a) stock
(b) bonds
(c) housing


Which of the 3 do you believe affects consumer confidence the most:
(a) stock
(b) bonds
(c) housing

I'll give the ladies my humble opinion through a chart:

Blue Line: Real Estate loans at all Commercial Banks
Red Line: Real Estate loands at all Commercial Banks, YoY change in USD billions

Is that a re-acceleration of negative loan growth?