-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, BtvKRSrbkZWkDym0pmD7A0zow0mZajp19826z1G1tARv/s2pIjjxI0mi9QsYWjKC RJvyslC8foNRJJOI1Z4sog== 0000092230-03-000113.txt : 20031119 0000092230-03-000113.hdr.sgml : 20031119 20031119113401 ACCESSION NUMBER: 0000092230-03-000113 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20030930 ITEM INFORMATION: Other events FILED AS OF DATE: 20031119 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BB&T CORP CENTRAL INDEX KEY: 0000092230 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 560939887 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-10853 FILM NUMBER: 031012007 BUSINESS ADDRESS: STREET 1: 200 WEST SECOND STREET CITY: WINSTON-SALEM STATE: NC ZIP: 27101 BUSINESS PHONE: 3367332000 MAIL ADDRESS: STREET 1: 200 WEST SECOND STREET CITY: WINSTON-SALEM STATE: NC ZIP: 27101 FORMER COMPANY: FORMER CONFORMED NAME: SOUTHERN NATIONAL CORP /NC/ DATE OF NAME CHANGE: 19920703 8-K 1 earnfi8k.htm Other Events November 19, 2003

UNITED STATES
 SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

Form 8-K
 Current Report

Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

November 19, 2003

Date of Report (Date of earliest event reported)

BB&T Corporation
 (Exact name of registrant as specified in its charter)

Commission file number : 1-10853


North Carolina 56-0939887
(State of incorporation) (I.R.S. Employer Identification No.)


200 West Second Street  
Winston-Salem, North Carolina 27101
(Address of principal executive offices) (Zip Code)


(336) 733-2000
(Registrant's telephone number, including area code)

This Form 8-K has 2 pages.

ITEM 5.    Other Events

     The purpose of this Current Report on Form 8-K is to file BB&T’s calculation of earnings to fixed charges.



Exhibit Index

Exhibit 12     Schedule of Earnings to Fixed Charges



Exhibit 12

BB&T Corporation
Earnings To Fixed Charges
(Dollars in thousands)

For the Nine Months Ended
September 30, For the Years Ended December 31,
2003 2002 2002 2001 2000 1999 1998
 
Earnings:
Income before income taxes     $ 1,058,702   $ 1,330,271   $ 1,790,697   $ 1,360,428   $ 1,013,006   $ 1,155,910   $ 1,064,818  
Plus:                                     
   Fixed charges       1,017,635     1,311,122     1,713,021     2,438,401     2,586,815     2,052,403     1,936,823  
Less:                                         
   Capitalized interest       371     394     504     798    470    400    --  
                                         
Earnings, including interest on                                     
   deposits    2,075,966    2,640,999    3,503,214    3,798,031    3,599,351    3,207,913    3,001,641  
                                         
                                         
Less:                                     
   Interest on deposits    584,297    772,037    1,003,058    1,566,269    1,685,248    1,370,334    1,365,693  
                                         
Earnings, excluding interest on                                     
   deposits   $1,491,669   $1,868,962   $2,500,156   $2,231,762   $1,914,103   $1,837,579   $1,635,948  
                                         
                                         
Fixed Charges:                                     
   Interest expense   $996,923   $1,291,433   $1,686,584   $2,414,936   $2,563,912   $2,038,453   $1,928,441  
   Capitalized interest       371     394     504     798    470    400    --  
   Interest portion of rent expense    20,341    19,295    25,933    22,667    22,433    13,550    8,382  
                                         
      Total Fixed Charges     $ 1,017,635   $ 1,311,122   $ 1,713,021   $ 2,438,401   $ 2,586,815   $ 2,052,403   $ 1,936,823  
                                         
                                         
Less:                                     
   Interest on deposits    584,297    772,037    1,003,058    1,566,269    1,685,248    1,370,334    1,365,693  
                                         
                                         
      Total fixed charges excluding                                     
      interest on deposits     $ 433,338   $ 539,085   $ 709,963   $ 872,132   $ 901,567   $ 682,069   $ 571,130  
                                         
                                         
Earnings to fixed charges:                                     
                                         
   Including interest on deposits       2.04  x   2.01  x   2.05  x   1.56  x   1.39  x   1.56  x   1.55  x
                                         
   Excluding interest on deposits       3.44  x   3.47  x   3.52  x   2.56  x   2.12  x   2.69  x   2.86  x



S  I  G  N  A  T  U  R  E

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

  BB&T CORPORATION  
   (Registrant) 
   
   By:  /S/ EDWARD D. VEST 
   
  Edward D. Vest 
  Senior Vice President and Corporate Controller 
  (Principal Accounting Officer) 
   
Date:   November 19, 2003         
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