The Federal Reserve took decisive action against San Francisco-based Wells Fargo late Friday, ordering the bank not to grow its assets and to replace four directors — one-fourth of the bank's 16-member board. Wells Fargo’s (NYSE: WFC) shares plunged in after-hours trading, down $3.98, or 6.2 percent, to $60.09. The bank’s critics have long called for the Federal Reserve to take action against Wells Fargo after it came to light the bank had opened millions of deposit and credit accounts without…