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Loans and ACL (Tables)
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Aging Analysis of Past Due Loans and Leases
 
 
Accruing
 
 
 
 
December 31, 2016
 
Current
 
30-89 Days Past Due
 
90 Days Or More Past Due
 
Nonaccrual
 
Total
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
51,329

 
$
27

 
$
—

 
$
363

 
$
51,719

CRE-income producing properties
 
14,492

 
6

 
—

 
40

 
14,538

CRE-construction and development
 
3,800

 
2

 
—

 
17

 
3,819

Dealer floor plan
 
1,413

 
—

 
—

 
—

 
1,413

Other lending subsidiaries
 
7,660

 
21

 
—

 
10

 
7,691

Retail:
 
 
 
 
 
 
 
 
 


Direct retail lending
 
11,963

 
60

 
6

 
63

 
12,092

Revolving credit
 
2,620

 
23

 
12

 
—

 
2,655

Residential mortgage-nonguaranteed
 
28,378

 
393

 
79

 
172

 
29,022

Residential mortgage-government guaranteed
 
324

 
132

 
443

 
—

 
899

Sales finance
 
11,179

 
76

 
6

 
6

 
11,267

Other lending subsidiaries
 
6,931

 
301

 
—

 
65

 
7,297

PCI
 
784

 
36

 
90

 
—

 
910

Total
 
$
140,873

 
$
1,077

 
$
636

 
$
736

 
$
143,322


 
 
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
 
306

 
78

 
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
 
$
133,667

 
$
1,031

 
$
677

 
$
576

 
$
135,951
Schedule of Credit Exposure Credit Risk Profile by Internal Loan Risk Rating, Excluding PCI Loans
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.
December 31, 2016
 
Commercial & Industrial
 
CRE-Income Producing Properties
 
CRE-Construction and Development
 
Dealer Floor Plan
 
Other Lending Subsidiaries
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
Pass
 
$
49,921

 
$
14,061

 
$
3,718

 
$
1,404

 
$
7,604

Special mention
 
314

 
124

 
38

 
—

 
33

Substandard-performing
 
1,121

 
313

 
46

 
9

 
44

Nonperforming
 
363

 
40

 
17

 
—

 
10

Total
 
$
51,719

 
$
14,538

 
$
3,819

 
$
1,413

 
$
7,691

 
December 31, 2016
 
Direct Retail Lending
 
Revolving Credit
 
Residential Mortgage
 
Sales Finance
 
Other Lending Subsidiaries
 
 
(Dollars in millions)
Retail:
 
 
 
 
 
 
 
 
 
 
Performing
 
$
12,029

 
$
2,655

 
$
29,749

 
$
11,261

 
$
7,232

Nonperforming
 
63

 
—

 
172

 
6

 
65

Total
 
$
12,092

 
$
2,655

 
$
29,921

 
$
11,267

 
$
7,297

 
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


December 31, 2015
 
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
Analysis of the Allowance for Credit Losses
 The following tables present a summary of activity in the ACL:
Year Ended December 31, 2016
 
Beginning Balance
 
Charge-Offs
 
Recoveries
 
Provision (Benefit)
 
Other
 
Ending Balance
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
466

 
$
(128
)
 
$
40

 
$
122

 
—

 
$
500

CRE-income producing properties
 
135

 
(8
)
 
8

 
(18
)
 
—

 
117

CRE-construction and development
 
37

 
(1
)
 
11

 
(22
)
 
—

 
25

Dealer floor plan
 
8

 
—

 
—

 
3

 
—

 
11

Other lending subsidiaries
 
22

 
(22
)
 
6

 
23

 
—

 
29

Retail:
 
 

 
 

 
 

 
 

 
 
 
 

Direct retail lending
 
105

 
(53
)
 
26

 
25

 
—

 
103

Revolving credit
 
104

 
(69
)
 
20

 
51

 
—

 
106

Residential mortgage-nonguaranteed
 
194

 
(35
)
 
3

 
24

 
—

 
186

Residential mortgage-government guaranteed
 
23

 
(5
)
 
—

 
23

 
—

 
41

Sales finance
 
40

 
(29
)
 
12

 
15

 
—

 
38

Other lending subsidiaries
 
265

 
(336
)
 
43

 
317

 
—

 
289

PCI
 
61

 
(15
)
 
—

 
(2
)
 
—

 
44

ALLL
 
1,460

 
(701
)
 
169

 
561

 
—

 
1,489

RUFC
 
90

 
—

 
—

 
11

 
9

 
110

ACL
 
$
1,550

 
$
(701
)
 
$
169

 
$
572

 
$
9

 
$
1,599

 
Year Ended December 31, 2015
 
Beginning Balance
 
Charge-Offs
 
Recoveries
 
Provision (Benefit)
 
Other
 
Ending Balance
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
421

 
$
(81
)
 
$
37

 
$
89

 
$
—

 
$
466

CRE-income producing properties
 
162

 
(20
)
 
7

 
(14
)
 
—

 
135

CRE-construction and development
 
48

 
(4
)
 
11

 
(18
)
 
—

 
37

Dealer floor plan
 
10

 
—

 
—

 
(2
)
 
—

 
8

Other lending subsidiaries
 
21

 
(9
)
 
3

 
7

 
—

 
22

Retail:
 
 

 
 

 
 

 
 

 
 

 
 

Direct retail lending
 
110

 
(54
)
 
29

 
20

 
—

 
105

Revolving credit
 
110

 
(70
)
 
20

 
44

 
—

 
104

Residential mortgage-nonguaranteed
 
217

 
(40
)
 
3

 
14

 
—

 
194

Residential mortgage-government guaranteed
 
36

 
(6
)
 
—

 
(7
)
 
—

 
23

Sales finance
 
40

 
(26
)
 
9

 
17

 
—

 
40

Other lending subsidiaries
 
235

 
(277
)
 
33

 
274

 
—

 
265

PCI
 
64

 
(1
)
 
—

 
(2
)
 
—

 
61

ALLL
 
1,474

 
(588
)
 
152

 
422

 
—

 
1,460

RUFC
 
60

 
—

 
—

 
6

 
24

 
90

ACL
 
$
1,534

 
$
(588
)
 
$
152

 
$
428

 
$
24

 
$
1,550


Year Ended December 31, 2014
 
Beginning Balance
 
Charge-Offs
 
Recoveries
 
Provision (Benefit)
 
Other
 
Ending Balance
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
454

 
$
(131
)
 
$
42

 
$
56

 
$
—

 
$
421

CRE-income producing properties
 
149

 
(31
)
 
14

 
30

 
—

 
162

CRE-construction and development
 
76

 
(11
)
 
19

 
(36
)
 
—

 
48

Dealer floor plan
 
8

 
—

 
—

 
2

 
—

 
10

Other lending subsidiaries
 
15

 
(8
)
 
3

 
11

 
—

 
21

Retail:
 
 

 
 

 
 

 
 

 
 

 
 

Direct retail lending
 
209

 
(69
)
 
29

 
26

 
(85
)
 
110

Revolving credit
 
115

 
(71
)
 
19

 
47

 
—

 
110

Residential mortgage-nonguaranteed
 
269

 
(82
)
 
7

 
(62
)
 
85

 
217

Residential mortgage-government guaranteed
 
62

 
(2
)
 
—

 
(24
)
 
—

 
36

Sales finance
 
37

 
(23
)
 
9

 
17

 
—

 
40

Other lending subsidiaries
 
224

 
(261
)
 
30

 
242

 
—

 
235

PCI
 
114

 
(21
)
 
—

 
(29
)
 
—

 
64

ALLL
 
1,732

 
(710
)
 
172

 
280

 
—

 
1,474

RUFC
 
89

 
—

 
—

 
(29
)
 
—

 
60

ACL
 
$
1,821

 
$
(710
)
 
$
172

 
$
251

 
$
—

 
$
1,534
Summary of Loans Collectively Evaluated for Impairment
The following table provides a summary of loans that are collectively evaluated for impairment. 
 
 
December 31, 2016
 
December 31, 2015
 
 
Recorded Investment
 
Related ALLL
 
Recorded Investment
 
Related ALLL
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
51,253

 
$
463

 
$
48,110

 
$
439

CRE-income producing properties
 
14,455

 
112

 
13,339

 
127

CRE-construction and development
 
3,787

 
21

 
3,697

 
32

Dealer floor plan
 
1,413

 
11

 
1,215

 
8

Other lending subsidiaries
 
7,678

 
28

 
6,789

 
21

Retail:
 
 
 
 
 
 

 
 

Direct retail lending
 
12,011

 
93

 
11,055

 
93

Revolving credit
 
2,626

 
95

 
2,477

 
91

Residential mortgage-nonguaranteed
 
28,488

 
136

 
29,199

 
153

Residential mortgage-government guaranteed
 
466

 
8

 
553

 
1

Sales finance
 
11,251

 
37

 
10,308

 
39

Other lending subsidiaries
 
7,057

 
249

 
6,534

 
235

PCI
 
910

 
44

 
1,122

 
61

Total
 
$
141,395

 
$
1,297

 
$
134,398

 
$
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 Year Ended December 31, 2016
 
Recorded Investment
 
UPB
 
Related ALLL
 
Average Recorded Investment
 
Interest Income Recognized
 
 
(Dollars in millions)
With no related ALLL recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
201

 
$
225

 
$
—

 
$
217

 
$
1

CRE-income producing properties
 
25

 
27

 
—

 
16

 
—

CRE-construction and development
 
10

 
11

 
—

 
8

 
—

Dealer floor plan
 
—

 
—

 
—

 
—

 
—

Other lending subsidiaries
 
4

 
6

 
—

 
6

 
—

Retail:
 
 
 
 
 
 
 
 
 
 
Direct retail lending
 
13

 
38

 
—

 
12

 
1

Residential mortgage-nonguaranteed
 
94

 
141

 
—

 
97

 
4

Residential mortgage-government guaranteed
 
3

 
3

 
—

 
3

 
—

Sales finance
 
1

 
2

 
—

 
1

 
—

Other lending subsidiaries
 
4

 
9

 
—

 
4

 
—

With an ALLL recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
265

 
269

 
37

 
259

 
5

CRE-income producing properties
 
58

 
61

 
5

 
68

 
2

CRE-construction and development
 
22

 
22

 
4

 
22

 
1

Dealer floor plan
 
—

 
—

 
—

 
—

 
—

Other lending subsidiaries
 
9

 
9

 
1

 
5

 
—

Retail:
 
 
 
 
 
 
 
 
 
 
Direct retail lending
 
68

 
69

 
10

 
71

 
4

Revolving credit
 
29

 
29

 
11

 
31

 
1

Residential mortgage-nonguaranteed
 
440

 
451

 
50

 
383

 
16

Residential mortgage-government guaranteed
 
430

 
431

 
33

 
360

 
14

Sales finance
 
15

 
15

 
1

 
16

 
1

Other lending subsidiaries
 
236

 
239

 
40

 
206

 
32

Total
 
$
1,927

 
$
2,057

 
$
192

 
$
1,785

 
$
82


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
 
103

 
153

 
—

 
99

 
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
 
361

 
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
 
$
1,553

 
$
1,698

 
$
160

 
$
1,594

 
$
77
Schedule of Performing and Nonperforming TDRs
The following table provides a summary of TDRs, all of which are considered impaired.
 
 
December 31,
 
 
2016
 
2015
 
 
(Dollars in millions)
Performing TDRs:
 
 
 
 
Commercial:
 
 
 
 
Commercial and industrial
 
$
55

 
$
49

CRE-income producing properties
 
16

 
13

CRE-construction and development
 
9

 
16

Direct retail lending
 
67

 
72

Revolving credit
 
29

 
33

Residential mortgage-nonguaranteed
 
332

 
288

Residential mortgage-government guaranteed
 
420

 
316

Sales finance
 
16

 
17

Other lending subsidiaries
 
226

 
178

Total performing TDRs
 
1,170

 
982

Nonperforming TDRs (also included in NPL disclosures)
 
183

 
146

Total TDRs
 
$
1,353

 
$
1,128

ALLL attributable to TDRs
 
$
146

 
$
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.
 
 
 
Year Ended December 31,
 
 
2016
 
2015
 
2014
 
 
Type of Modification
 
 
 
Type of Modification
 
 
 
Type of Modification
 
 
 
 
Rate
 
Structure
 
ALLL Impact
 
Rate
 
Structure
 
ALLL Impact
 
Rate
 
Structure
 
ALLL Impact
 
 
(Dollars in millions)
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
112

 
$
128

 
$
3

 
$
99

 
$
45

 
$
2

 
$
112

 
$
48

 
$
4

CRE-income producing properties
 
21

 
17

 
—

 
9

 
15

 
—

 
18

 
18

 
—

CRE-construction and development
 
7

 
11

 
—

 
8

 
25

 
1

 
25

 
22

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Direct retail lending
 
19

 
1

 
—

 
16

 
4

 
4

 
32

 
4

 
6

Revolving credit
 
17

 
—

 
4

 
16

 
—

 
4

 
24

 
—

 
4

Residential mortgage-nonguaranteed
 
129

 
54

 
10

 
88

 
37

 
9

 
127

 
36

 
16

Residential mortgage-government guaranteed
 
335

 
—

 
18

 
189

 
—

 
7

 
282

 
—

 
12

Sales finance
 
—

 
7

 
—

 
—

 
10

 
1

 
1

 
14

 
3

Other lending subsidiaries
 
169

 
—

 
21

 
129

 
—

 
17

 
130

 
—

 
17
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:
 
 
December 31, 2016
 
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
 
36

 
124

 
—

 
—

 
98

 
402

 
—

 
—

Accretion
 
(134
)
 
134

 
(73
)
 
73

 
(89
)
 
89

 
(89
)
 
89

Payments received, net
 
—

 
(344
)
 
—

 
(199
)
 
—

 
(370
)
 
—

 
(303
)
Other, net
 
162

 
—

 
52

 
—

 
46

 
—

 
21

 
—

Balance at end of period
 
$
253

 
$
614

 
$
155

 
$
296

 
$
189

 
$
700

 
$
176

 
$
422

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Outstanding UPB at end of period
 
 

 
$
910

 
 

 
$
423

 
 

 
$
1,063

 
 

 
$
587
Selected Information About Loans and Leases
The following table presents additional information about BB&T’s loans and leases:
 
 
December 31,
 
 
2016
 
2015
 
 
(Dollars in millions)
Unearned income, discounts and net deferred loan fees and costs, excluding PCI
 
$
396

 
$
598

Residential mortgage loans in process of foreclosure
 
366

 
229