Loans and ACL (Tables)

3 Months Ended

Mar. 31, 2016

Aging Analysis of Past Due Loans and Leases



	Accruing
March 31, 2016	Current		30-89 Days Past Due		90 Days Or More Past Due		Nonaccrual		Total
	(Dollars in millions)
Commercial:
Commercial and industrial	$	48,258	$	27	$	—	$	442	$	48,727
CRE-income producing properties	13,673		7		—		48		13,728
CRE-construction and development	3,399		6		—		11		3,416
Dealer floor plan	1,266		—		—		—		1,266
Other lending subsidiaries	6,723		21		—		9		6,753
Retail:
Direct retail lending	10,980		48		6		51		11,085
Revolving credit	2,421		18		10		—		2,449
Residential mortgage-nonguaranteed	28,607		350		55		163		29,175
Residential mortgage-government guaranteed	323		66		434		—		823
Sales finance	9,720		53		4		7		9,784
Other lending subsidiaries	6,593		186		—		55		6,834
PCI	913		43		100		—		1,056
Total	$	132,876	$	825	$	609	$	786	$	135,096



	Accruing
December 31, 2015	Current		30-89 Days Past Due		90 Days Or More Past Due		Nonaccrual		Total
	(Dollars in millions)
Commercial:
Commercial and industrial	$	48,157	$	36	$	—	$	237	$	48,430
CRE-income producing properties	13,370		13		—		38		13,421
CRE-construction and development	3,710		9		—		13		3,732
Dealer floor plan	1,215		—		—		—		1,215
Other lending subsidiaries	6,771		18		—		6		6,795
Retail:
Direct retail lending	11,032		58		7		43		11,140
Revolving credit	2,478		22		10		—		2,510
Residential mortgage-nonguaranteed	29,038		397		55		173		29,663
Residential mortgage-government guaranteed	307		77		486		—		870
Sales finance	10,243		72		5		7		10,327
Other lending subsidiaries	6,381		286		—		59		6,726
PCI	966		42		114		—		1,122
Total	$	133,668	$	1,030	$	677	$	576	$	135,951

Schedule of Carrying Amounts by Risk Rating

The following tables present the carrying amount of loans by risk rating. PCI loans are excluded because their related ALLL is determined by loan pool performance.



March 31, 2016	Commercial & Industrial		CRE - Income Producing Properties		CRE - Construction and Development		Dealer Floor Plan		Other Lending Subsidiaries
	(Dollars in millions)
Commercial:
Pass	$	46,596	$	13,203	$	3,310	$	1,260	$	6,705
Special mention	447		172		24		6		7
Substandard - performing	1,242		305		71		—		32
Nonperforming	442		48		11		—		9
Total	$	48,727	$	13,728	$	3,416	$	1,266	$	6,753



	Direct Retail Lending		Revolving Credit		Residential Mortgage		Sales Finance		Other Lending Subsidiaries
	(Dollars in millions)
Retail:
Performing	$	11,034	$	2,449	$	29,835	$	9,777	$	6,779
Nonperforming	51		—		163		7		55
Total	$	11,085	$	2,449	$	29,998	$	9,784	$	6,834



December 31, 2015	Commercial & Industrial		CRE - Income Producing Properties		CRE - Construction and Development		Dealer Floor Plan		Other Lending Subsidiaries
	(Dollars in millions)
Commercial:
Pass	$	46,760	$	12,940	$	3,619	$	1,195	$	6,757
Special mention	305		166		29		6		3
Substandard-performing	1,128		277		71		14		29
Nonperforming	237		38		13		—		6
Total	$	48,430	$	13,421	$	3,732	$	1,215	$	6,795



	Direct Retail Lending		Revolving Credit		Residential Mortgage		Sales Finance		Other Lending Subsidiaries
	(Dollars in millions)
Retail:
Performing	$	11,097	$	2,510	$	30,360	$	10,320	$	6,667
Nonperforming	43		—		173		7		59
Total	$	11,140	$	2,510	$	30,533	$	10,327	$	6,726

Summary of Allowance for Credit Losses

The following tables represent activity in the ACL for the periods presented:



	ACL Rollforward
Three Months Ended March 31, 2016	Beginning Balance		Charge- Offs			Recoveries		Provision (Benefit)			Ending Balance
	(Dollars in millions)
Commercial:
Commercial and industrial	$	466	$	(56	)	$	12	$	77		$	499
CRE-income producing properties	135		(2		)	3		(11		)	125
CRE-construction and development	37		—			1		(6		)	32
Dealer floor plan	8		—			—		2			10
Other lending subsidiaries	22		(8		)	2		10			26
Retail:
Direct retail lending	105		(13		)	7		4			103
Revolving credit	104		(19		)	5		10			100
Residential mortgage-nonguaranteed	194		(7		)	1		9			197
Residential mortgage-government guaranteed	23		(1		)	—		2			24
Sales finance	40		(8		)	3		4			39
Other lending subsidiaries	265		(84		)	10		79			270
PCI	61		—			—		2			63
ALLL	1,460		(198		)	44		182			1,488
RUFC	90		—			—		2			92
ACL	$	1,550	$	(198	)	$	44	$	184		$	1,580



	ACL Rollforward
Three Months Ended March 31, 2015	Beginning Balance		Charge- Offs			Recoveries		Provision (Benefit)			Ending Balance
	(Dollars in millions)
Commercial:
Commercial and industrial	$	421	$	(14	)	$	8	$	33		$	448
CRE-income producing properties	162		(9		)	2		(2		)	153
CRE-construction and development	48		(2		)	4		(8		)	42
Dealer floor plan	10		—			—		—			10
Other lending subsidiaries	21		(3		)	1		3			22
Retail:
Direct retail lending	110		(12		)	8		5			111
Revolving credit	110		(18		)	5		9			106
Residential mortgage-nonguaranteed	217		(11		)	—		(6		)	200
Residential mortgage-government guaranteed	36		—			—		(6		)	30
Sales finance	40		(6		)	3		11			48
Other lending subsidiaries	235		(64		)	8		58			237
PCI	64		(1		)	—		(6		)	57
ALLL	1,474		(140		)	39		91			1,464
RUFC	60		—			—		8			68
ACL	$	1,534	$	(140	)	$	39	$	99		$	1,532

Summary Of Loans Collectively Evaluated For Impairment

The following table provides a summary of loans that are collectively evaluated for impairment.



	March 31, 2016				December 31, 2015
	Recorded Investment		Related ALLL		Recorded Investment		Related ALLL
	(Dollars in millions)
Commercial:
Commercial and industrial	$	48,199	$	456	$	48,110	$	439
CRE-income producing properties	13,634		118		13,339		127
CRE-construction and development	3,386		28		3,697		32
Dealer floor plan	1,266		10		1,215		8
Other lending subsidiaries	6,742		25		6,789		21
Retail:
Direct retail lending	11,001		92		11,055		93
Revolving credit	2,417		88		2,477		91
Residential mortgage-nonguaranteed	28,740		156		29,228		153
Residential mortgage-government guaranteed	506		2		553		1
Sales finance	9,765		38		10,308		39
Other lending subsidiaries	6,641		238		6,534		235
PCI	1,056		63		1,122		61
Total	$	133,353	$	1,314	$	134,427	$	1,300

Schedule of Information Regarding Impaired Loans

The following tables set forth certain information regarding impaired loans, excluding PCI and LHFS, that were individually evaluated for reserves.



As of / For The Three Months Ended March 31, 2016	Recorded Investment		UPB		Related ALLL		Average Recorded Investment		Interest Income Recognized
	(Dollars in millions)
With no related allowance recorded:
Commercial:
Commercial and industrial	$	251	$	311	$	—	$	154	$	—
CRE-income producing properties	18		22		—		17		—
CRE-construction and development	7		9		—		6		—
Other lending subsidiaries	6		8		—		3		—
Retail:
Direct retail lending	12		40		—		12		—
Residential mortgage-nonguaranteed	78		144		—		82		1
Residential mortgage-government guaranteed	3		4		—		4		—
Sales finance	1		2		—		1		—
Other lending subsidiaries	3		8		—		4		—
With an allowance recorded:
Commercial:
Commercial and industrial	277		288		43		207		1
CRE-income producing properties	76		79		7		74		1
CRE-construction and development	23		22		4		25		—
Other lending subsidiaries	5		5		1		3		—
Retail:
Direct retail lending	72		73		11		73		1
Revolving credit	32		32		12		32		—
Residential mortgage-nonguaranteed	357		371		41		350		4
Residential mortgage-government guaranteed	314		314		22		310		3
Sales finance	18		18		1		17		—
Other lending subsidiaries	190		192		32		189		7
Total	$	1,743	$	1,942	$	174	$	1,563	$	18



As Of / For The Year Ended December 31, 2015	Recorded Investment		UPB		Related ALLL		Average Recorded Investment		Interest Income Recognized
	(Dollars in millions)
With no related ALLL recorded:
Commercial:
Commercial and industrial	$	129	$	164	$	—	$	95	$	1
CRE-income producing properties	8		13		—		17		—
CRE-construction and development	8		11		—		10		—
Dealer floor plan	—		—		—		2		—
Other lending subsidiaries	2		3		—		—		—
Retail:
Direct retail lending	11		40		—		12		1
Residential mortgage-nonguaranteed	84		153		—		97		4
Residential mortgage-government guaranteed	5		5		—		3		—
Sales finance	1		2		—		1		—
Other lending subsidiaries	4		8		—		3		—
With an ALLL recorded:
Commercial:
Commercial and industrial	191		194		27		223		5
CRE-income producing properties	74		77		8		96		3
CRE-construction and development	27		27		5		36		1
Dealer floor plan	—		—		—		1		—
Other lending subsidiaries	4		5		1		6		—
Retail:
Direct retail lending	74		75		12		79		4
Revolving credit	33		33		13		36		1
Residential mortgage-nonguaranteed	351		368		41		354		15
Residential mortgage-government guaranteed	312		312		22		323		13
Sales finance	18		18		1		19		1
Other lending subsidiaries	188		190		30		179		28
Total	$	1,524	$	1,698	$	160	$	1,592	$	77

Schedule of Performing and Nonperforming TDRs

The following table provides a summary of TDRs, all of which are considered impaired.



	March 31, 2016		December 31, 2015
	(Dollars in millions)
Performing TDRs:
Commercial:
Commercial and industrial	$	52	$	49
CRE-income producing properties	18		13
CRE-construction and development	13		16
Direct retail lending	70		72
Sales finance	17		17
Revolving credit	32		33
Residential mortgage-nonguaranteed	281		288
Residential mortgage-government guaranteed	317		316
Other lending subsidiaries	181		178
Total performing TDRs	981		982
Nonperforming TDRs (also included in NPL disclosures)	172		146
Total TDRs	$	1,153	$	1,128

ALLL attributable to TDRs	$	122	$	126

Summary Of Reason For Classification As TDRs

The following table summarizes the primary reason loan modifications were classified as TDRs and includes newly designated TDRs as well as modifications made to existing TDRs. Balances represent the recorded investment at the end of the quarter in which the modification was made. Rate modifications in this table include TDRs made with below market interest rates that also include modifications of loan structures.



	Three Months Ended March 31,
	2016						2015
	Types of Modifications				Impact To Allowance		Types of Modifications				Impact To Allowance
	Rate		Structure		Impact To Allowance		Rate		Structure		Impact To Allowance
	(Dollars in millions)
Commercial:
Commercial and industrial	$	62	$	9	$	1	$	9	$	14	$	1
CRE-income producing properties	8		7		—		2		3		—
CRE-construction and development	3		—		—		—		3		—

Retail:
Direct retail lending	4		1		—		3		—		1
Revolving credit	5		—		1		4		—		1
Residential mortgage-nonguaranteed	17		8		1		23		12		3
Residential mortgage-government guaranteed	39		—		2		60		—		2
Sales finance	—		2		—		—		2		—
Other lending subsidiaries	32		—		5		31		—		4

Schedule of Changes in Carrying Value and Accretable Yield of PCI Loans

Changes in the carrying value and accretable yield of PCI loans are presented in the following table:



	Three Months Ended March 31, 2016												Year Ended December 31, 2015
	Purchased Impaired						Purchased Nonimpaired						Purchased Impaired						Purchased Nonimpaired
	Accretable Yield			Carrying Value			Accretable Yield			Carrying Value			Accretable Yield			Carrying Value			Accretable Yield			Carrying Value
	(Dollars in millions)
Balance at beginning of period	$	189		$	700		$	176		$	422		$	134		$	579		$	244		$	636
Additions	—			—			—			—			98			402			—			—
Accretion	(38		)	38			(21		)	21			(89		)	89			(89		)	89
Payments received, net	—			(79		)	—			(46		)	—			(370		)	—			(303		)
Other, net	83			—			19			—			46			—			21			—
Balance at end of period	$	234		$	659		$	174		$	397		$	189		$	700		$	176		$	422

Outstanding UPB at end of period				$	994					$	549					$	1,063					$	587

Selected Information About Loans and Leases

The following table presents additional information about BB&T's loans and leases:




	March 31, 2016		December 31, 2015
	(Dollars in millions)
Unearned income, discounts and net deferred loan fees and costs, excluding PCI	$	518	$	598
Residential mortgage loans in process of foreclosure	210		229