BB&T 2011 Annual Report Download - page 54

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The following table is based upon the regulatory classification of loans and reflects the scheduled maturities of
commercial, financial and agricultural loans, as well as real estate construction loans:
Table 14
Selected Loan Maturities and Interest Sensitivity
December 31, 2011
Commercial, Real Estate:
Financial Construction
and and Land
Agricultural Development
Loans Loans Total
(Dollars in millions)
Fixed Rate:
1 year or less (1) $ 2,691 $ 272 $ 2,963
1-5 years 1,931 931 2,862
After 5 years 3,969 1,134 5,103
Total 8,591 2,337 10,928
Variable Rate:
1 year or less (1) 5,730 2,058 7,788
1-5 years 5,448 2,839 8,287
After 5 years 1,683 480 2,163
Total 12,861 5,377 18,238
Total loans and leases (2) $ 21,452 $ 7,714 $ 29,166
(1) Includes loans due on demand.
(2) The above table excludes: (Dollars in millions)
(i) consumer loans $ 16,415
(ii) real estate mortgage loans 60,821
(iii) loans held for sale 3,736
(iv) lease receivables 1,067
Total $ 82,039
Scheduled repayments are reported in the maturity category in which the payment is due. Determinations of maturities are
based upon contract terms. BB&T’s credit policy typically does not permit automatic renewal of loans. At the scheduled
maturity date (including balloon payment date), the customer generally must request a new loan to replace the matured
loan and execute either a new note or note modification with rate, terms and conditions negotiated at that time.
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