[FIX] Unfunded banner flicker (RT-2064)

[Jira RT-2064](https://ripplelabs.atlassian.net/browse/RT-2064)
[Bountysource](https://www.bountysource.com/issues/3621912-blue-unfunded-banner-should-not-flash-for-a-second-before-the-user-s-balances-load)

I wasn't actually able to reproduce the issue naturally, so I had to tweak app.js to force it to happen on my machine, and worked my way to this solution based on that. So I'm hoping somebody who can reproduce this can help me out by verifying if it works or not.