BB&T 2011 Annual Report Download - page 112

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BB&T monitors the credit quality of its retail portfolio segment based primarily on delinquency status, which is the
primary factor considered in determining whether a retail loan should be classified as nonaccrual.
The following tables illustrate the credit quality indicators associated with loans and leases held for investment. Covered
and other acquired loans are excluded from this analysis because their related allowance is determined by loan pool
performance due to the application of the accretion method.
December 31, 2011
Commercial
& Industrial
Commercial
Real Estate -
Other
Commercial
Real Estate -
Residential
ADC
Other
Lending
Subsidiaries
(Dollars in millions)
Commercial:
Pass $ 33,497 $ 8,568 $ 1,085 $ 3,578
Special mention 488 234 60 5
Substandard - performing 1,848 1,493 540 35
Nonperforming 582 394 376 8
Total $ 36,415 $ 10,689 $ 2,061 $ 3,626
December 31, 2011
Direct Retail
Lending
Revolving
Credit
Residential
Mortgage
Sales
Finance
Other Lending
Subsidiaries
(Dollars in millions)
Retail:
Performing $ 14,325 $ 2,212 $ 20,273 $ 7,394 $ 5,056
Nonperforming 142 — 308 7 55
Total $ 14,467 $ 2,212 $ 20,581 $ 7,401 $ 5,111
December 31, 2010
Commercial
& Industrial
Commercial
Real Estate -
Other
Commercial
Real Estate -
Residential
ADC
Other
Lending
Subsidiaries
(Dollars in millions)
Commercial:
Pass $ 30,774 $ 9,095 $ 1,587 $ 3,348
Special mention 554 306 108 30
Substandard - performing 2,214 1,633 1,189 14
Nonperforming 508 405 513 11
Total (1) $ 34,050 $ 11,439 $ 3,397 $ 3,403
December 31, 2010
Direct Retail
Lending
Revolving
Credit
Residential
Mortgage
Sales
Finance
Other Lending
Subsidiaries
(Dollars in millions)
Retail:
Performing $ 13,558 $ 2,127 $ 17,084 $ 7,044 $ 4,501
Nonperforming 191 — 466 6 49
Total $ 13,749 $ 2,127 $ 17,550 $ 7,050 $ 4,550
(1) Excludes nonperforming commercial loans held for sale of $521 million as of December 31, 2010.
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