BB&T 2010 Annual Report Download - page 123

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The following tables provide a breakdown of the allowance for loan and lease losses and the recorded
investment in loans based on the method for determining the allowance as of December 31, 2010:
Allowance for Loan and Lease Losses
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Loans
Acquired
With
Deteriorated
Credit
Quality Total
(Dollars in millions)
Commercial:
Commercial real estate—residential ADC $ 75 $ 394 $ — $ 469
Commercial real estate—other 63 383 — 446
Commercial and industrial 96 525 — 621
Specialized lending 1 20 — 21
Retail:
Direct retail lending 26 220 — 246
Revolving credit 25 84 — 109
Residential mortgage 167 131 — 298
Sales finance 1 46 — 47
Specialized lending 2 175 — 177
Covered and other acquired — 54 90 144
Unallocated — 130 — 130
Total $ 456 $ 2,162 $ 90 $ 2,708
Loans and Leases
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Loans
Acquired
With
Deteriorated
Credit
Quality Total
(Dollars in millions)
Commercial:
Commercial real estate—residential ADC $ 684 $ 2,713 $ — $ 3,397
Commercial real estate—other 691 10,748 — 11,439
Commercial and industrial 708 33,342 — 34,050
Specialized lending 4 3,399 — 3,403
Retail:
Direct retail lending 177 13,572 — 13,749
Revolving credit 62 2,065 — 2,127
Residential mortgage 803 16,747 — 17,550
Sales finance 5 7,045 — 7,050
Specialized lending 24 4,526 — 4,550
Covered and other acquired — 3,394 2,858 6,252
Total $3,158 $97,551 $2,858 $103,567
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