BB&T 2011 Annual Report Download - page 64
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Refer to Note 4 “Allowance for Credit Losses” in the “Notes to Consolidated Financial Statements” for additional
disclosures.
The following table presents an estimated allocation of the allowance for loan and lease losses at the end of each of the
last five years. This allocation of the allowance for loan and lease losses is calculated on an approximate basis and is not
necessarily indicative of future losses or allocations. The entire amount of the allowance is available to absorb losses
occurring in any category of loans and leases.
Table 22
Allocation of Allowance for Loan and Lease Losses by Category
December 31,
2011 2010 2009 2008 2007
Amount
% Loans
in each
category Amount
% Loans
in each
category Amount
% Loans
in each
category Amount
% Loans
in each
category Amount
% Loans
in each
category
(Dollars in millions)
Balances at end of period applicable to:
Commercial loans and leases $ 1,053 45.7 % $ 1,536 47.1 % $ 1,574 48.2 % $ 912 51.9 % $ 548 49.3 %
Direct retail lending 232 13.5 246 13.3 297 13.8 124 15.9 79 17.3
Sales finance 38 6.9 47 6.8 77 6.1 55 6.5 58 6.6
Revolving credit 112 2.1 109 2.1 127 1.9 94 1.8 70 1.8
Residential mortgage 365 19.2 298 17.0 131 14.9 91 17.6 25 19.2
Other lending subsidiaries 197 8.1 198 7.7 264 7.4 238 6.3 171 5.8
Covered 149 4.5 144 6.0 — 7.7 — — — —
Unallocated 110 — 130 — 130 — 60 — 53 —
Total allowance for loan
and lease losses 2,256 100.0 % 2,708 100.0 % 2,600 100.0 % 1,574 100.0 % 1,004 100.0 %
Reserve for unfunded
lending commitments 29 47 72 33 11
Total allowance for credit
losses $ 2,285 $ 2,755 $ 2,672 $ 1,607 $ 1,015
64