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58
(7) Excludes mortgage loans past due 30-89 days that are government guaranteed totaling $96 million, $91 million, $83
million, $23 million and $25 million at December 31, 2012, 2011, 2010, 2009 and 2008, respectively. Includes past due
mortgage LHFS.
(8) Excludes covered loans past due 30-89 days totaling $135 million, $222 million, $363 million and $391 million at
December 31, 2012, 2011, 2010 and 2009, respectively.
Loans 90 days or more past due and still accruing interest, excluding government guaranteed loans and covered loans, totaled
$167 million at December 31, 2012, compared with $202 million at year-end 2011, a decline of 17.3%. Loans 30-89 days
past due, excluding government guaranteed loans and covered loans, totaled $1.1 billion at December 31, 2012, which was a
decline of $64 million, or 5.7% compared to year-end 2011. Excluding government guaranteed loans and covered loans,
BB&T’ s past due asset quality metrics are essentially at normalized levels.
Table 19
Asset Quality Ratios
As Of / For The Years Ended December 31,
2012 2011 2010 2009 2008
Asset Quality Ratios (including amounts related to
covered loans and covered foreclosed property):
Loans 30 - 89 days past due and still accruing as a
percentage of total loans and leases (1)(2) 1.02 % 1.22 % 1.65 % 1.93 % 2.05 %
Loans 90 days or more past due and still accruing as a
percentage of total loans and leases (1)(2) 0.52 0.84 1.34 1.60 0.43
N
onperforming loans and leases as a percentage of total
loans and leases 1.17 1.68 2.49 2.51 1.42
N
PAs as a percentage of:
Total assets 0.97 1.62 2.73 2.61 1.32
Loans and leases plus foreclosed property 1.51 2.52 3.94 4.02 2.03
N
et charge-offs as a percentage of average loans
and leases (3) 1.14 1.57 2.41 1.74 0.89
ALLL as a percentage of loans and leases
held for investment 1.76 2.10 2.62 2.51 1.62
Ratio of ALLL to:
N
et charge-offs (3) 1.56 x 1.36 x 1.07 x 1.47 x 1.85 x
N
onperforming loans and leases held for investment 1.46 1.21 1.26 0.98 1.13
Asset Quality Ratios (excluding amounts related to
covered loans and covered foreclosed property): (4)
Loans 30 - 89 days past due and still accruing as a
percentage of total loans and leases (1)(2) 0.93 % 1.06 % 1.39 % 1.69 % 2.05 %
Loans 90 days or more past due and still accruing as a
percentage of total loans and leases (1)(2) 0.15 0.19 0.29 0.32 0.43
N
onperforming loans and leases as a percentage of total
loans and leases 1.20 1.76 2.64 2.71 1.42
N
PAs as a percentage of:
Total assets 0.85 1.45 2.64 2.65 1.32
Loans and leases plus foreclosed property 1.33 2.29 3.88 4.18 2.03
N
et charge-offs as a percentage of average loans
and leases (3) 1.15 1.59 2.59 1.79 0.89
ALLL as a percentage of
loans and leases held for investment 1.70 2.05 2.63 2.72 1.62
Ratio of ALLL to:
N
et charge-offs (3) 1.50 x 1.32 x 1.01 x 1.47 x 1.85 x
N
onperfor
m
ing loans and leases held for investment 1.37 1.13 1.19 0.98 1.13
(1) Excludes mortgage loans guaranteed by GNMA. Refer to the footnotes of preceding table for related amounts.
(2) Excludes mortgage loans guaranteed by the government. Refer to the footnotes of preceding table for related amounts.
(3) Net charge-offs for 2011 and 2010 include $695 million and $236 million, respectively, related to BB&T’ s NPA
disposition strategy. In connection with this strategy, approximately $271 million and $1.9 billion of problem loans