BB&T 2013 Annual Report Download - page 107
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107
ACL Rollforward
Beginning Charge- Ending
Year Ended December 31, 2012 Balance Offs Recoveries Provision Balance
(Dollars in millions)
Commercial:
Commercial and industrial $ 433 $ (337) $ 17 $ 357 $ 470
CRE - other 334 (205) 13 62 204
CRE - residential ADC 286 (190) 41 (37) 100
Other lending subsidiaries 11 (8) 2 8 13
Retail:
Direct retail lending 232 (224) 36 256 300
Revolving credit 112 (81) 18 53 102
Residential mortgage 365 (136) 3 96 328
Sales finance 38 (26) 10 7 29
Other lending subsidiaries 186 (217) 24 271 264
Covered 149 (34) ― 13 128
Unallocated 110 ― ― (30) 80
ALLL 2,256 (1,458) 164 1,056 2,018
RUFC 29 ― ― 1 30
ACL $ 2,285 $ (1,458) $ 164 $ 1,057 $ 2,048
ACL Rollforward
Beginning Charge- Ending
Year Ended December 31, 2011 Balance Offs Recoveries Provision Balance
(Dollars in millions)
Commercial:
Commercial and industrial $ 621 $ (323) $ 28 $ 107 $ 433
CRE - other 446 (273) 18 143 334
CRE - residential ADC 469 (302) 25 94 286
Other lending subsidiaries 21 (9) 3 (4) 11
Retail:
Direct retail lending 246 (276) 37 225 232
Revolving credit 109 (95) 19 79 112
Residential mortgage 298 (269) 5 331 365
Sales finance 47 (32) 9 14 38
Other lending subsidiaries 177 (181) 22 168 186
Covered 144 (66) ― 71 149
Unallocated 130 ― ― (20) 110
ALLL 2,708 (1,826) 166 1,208 2,256
RUFC 47 ― ― (18) 29
ACL $ 2,755 $ (1,826) $ 166 $ 1,190 $ 2,285