BB&T 2010 Annual Report Download - page 24

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The following table presents BB&T’s total loan portfolio based upon BB&T’s lines of business, as discussed
herein, rather than upon regulatory reporting classifications:
Table 3
Composition of Loan and Lease Portfolio Based on Lines of Business
December 31,
2010 2009 2008 2007 2006
(Dollars in millions)
Loans and leases, net of unearned income:
Commercial loans $ 48,526 $ 49,445 $49,727 $43,685 $39,580
Leveraged leases 360 375 753 1,185 1,720
Total commercial loans and leases 48,886 49,820 50,480 44,870 41,300
Sales finance 7,050 6,290 6,354 6,021 5,683
Revolving credit 2,127 2,016 1,777 1,618 1,414
Direct retail 13,749 14,283 15,454 15,691 15,312
Residential mortgage loans 17,550 15,435 17,091 17,467 15,596
Specialized lending 7,953 7,670 6,089 5,240 3,606
Other acquired loans 58 123 — — —
Total loans and leases held for investment
(excluding covered loans) 97,373 95,637 97,245 90,907 82,911
Covered loans 6,194 8,019 — — —
Total loans and leases held for investment 103,567 103,656 97,245 90,907 82,911
Total loans held for sale 3,697 2,551 1,424 779 680
Total loans and leases $107,264 $106,207 $98,669 $91,686 $83,591
The following table reflects the scheduled maturities of commercial, financial and agricultural loans, as well
as real estate construction loans:
Table 4
Selected Loan Maturities and Interest Sensitivity
December 31, 2010
Commercial,
Financial
and
Agricultural
Real Estate:
Construction
and Land
Development
Loans Total
(Dollars in millions)
Fixed rate:
1 year or less (1) $ 1,821 $ 476 $ 2,297
1-5 years 1,329 840 2,169
After 5 years 4,199 1,556 5,755
Total 7,349 2,872 10,221
Variable rate:
1 year or less (1) 5,732 3,055 8,787
1-5 years 4,828 3,690 8,518
After 5 years 2,581 1,352 3,933
Total 13,141 8,097 21,238
Total loans and leases (2) $20,490 $10,969 $31,459
(1) Includes loans due on demand.
(2) The above table excludes:
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