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101
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
loans are excluded from this analysis because their related allowance is determined by loan pool performance.
CRE - Other
Commercial Residential Lending
December 31, 2012 & Industrial CRE - Other ADC Subsidiaries
(Dollars in millions)
Commercial:
Pass $ 36,044 $ 10,095 $ 859 $ 4,093
Special mention 274 120 41 13
Substandard - performing 1,431 1,034 233 29
N
onperforming 546 212 128 3
Total $ 38,295 $ 11,461 $ 1,261 $ 4,138
Direct Retail Revolving Residential Sales Other Lending
Lending Credit Mortgage Finance Subsidiaries
(Dollars in millions)
Retail:
Performing $ 15,685 $ 2,330 $ 24,003 $ 7,729 $ 5,916
N
onperforming 132 269 7 83
Total $ 15,817 $ 2,330 $ 24,272 $ 7,736 $ 5,999
CRE - Other
Commercial Residential Lending
December 31, 2011 & Industrial CRE - Other ADC 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
N
onperforming 582 394 376 8
Total $ 36,415 $ 10,689 $ 2,061 $ 3,626
Direct Retail Revolving Residential Sales Other Lending
Lending Credit Mortgage Finance Subsidiaries
(Dollars in millions)
Retail:
Performing $ 14,364 $ 2,212 $ 20,273 $ 7,394 $ 5,056
N
onperforming 142 308 7 55
Total $ 14,506 $ 2,212 $ 20,581 $ 7,401 $ 5,111