XML 45 R30.htm IDEA: XBRL DOCUMENT v3.8.0.1
Loans and ACL (Tables)
 12 Months Ended
Dec. 31, 2017
Receivables [Abstract]  
Aging Analysis of Past Due Loans and Leases
The following tables summarize the delinquency status of loans HFI:
 
 
Accruing
 
 
 
 
December 31, 2017
 
Current
 
30-89 Days Past Due
 
90 Days Or More Past Due
 
Nonaccrual
 
Total
(Dollars in millions)
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
58,852

 
$
41

 
$
1

 
$
259

 
$
59,153

CRE
 
21,209

 
8

 
1

 
45

 
21,263

Lease financing
 
1,906

 
4

 
—

 
1

 
1,911

Retail:
 
 
 
 
 
 
 
 
 


Residential mortgage
 
27,659

 
472

 
465

 
129

 
28,725

Direct
 
11,756

 
65

 
6

 
64

 
11,891

Indirect
 
16,745

 
412

 
6

 
72

 
17,235

Revolving credit
 
2,837

 
23

 
12

 
—

 
2,872

PCI
 
567

 
27

 
57

 
—

 
651

Total
 
$
141,531

 
$
1,052

 
$
548

 
$
570

 
$
143,701

 
 
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
 
$
57,326

 
$
44

 
$
—

 
$
369

 
$
57,739

CRE
 
19,699

 
8

 
—

 
57

 
19,764

Lease financing
 
1,669

 
4

 
—

 
4

 
1,677

Retail:
 
 

 
 

 
 

 
 

 


Residential mortgage
 
28,702

 
525

 
522

 
172

 
29,921

Direct
 
11,963

 
60

 
6

 
63

 
12,092

Indirect
 
18,110

 
377

 
6

 
71

 
18,564

Revolving credit
 
2,620

 
23

 
12

 
—

 
2,655

PCI
 
784

 
36

 
90

 
—

 
910

Total
 
$
140,873

 
$
1,077

 
$
636

 
$
736

 
$
143,322
Schedule of Credit Exposure Credit Risk Profile by Internal Loan Risk Rating, Excluding PCI Loans
The following table presents the carrying amount of loans by risk rating. PCI loans are excluded because their related ALLL is determined by loan pool performance and revolving credit loans are excluded as the loans are charged-off and not reclassified to nonperforming.
 
 
December 31, 2017
 
December 31, 2016
 
 
Commercial & Industrial
 
CRE
 
Lease financing
 
Commercial & Industrial
 
CRE
 
Lease financing
(Dollars in millions)
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Pass
 
$
57,700

 
$
20,862

 
$
1,881

 
$
55,881

 
$
19,186

 
$
1,641

Special mention
 
268

 
48

 
6

 
343

 
162

 
4

Substandard-performing
 
926

 
308

 
23

 
1,146

 
359

 
28

Nonperforming
 
259

 
45

 
1

 
369

 
57

 
4

Total
 
$
59,153

 
$
21,263

 
$
1,911

 
$
57,739

 
$
19,764

 
$
1,677

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential Mortgage
 
Direct
 
Indirect
 
Residential Mortgage
 
Direct
 
Indirect
Retail:
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
$
28,596

 
$
11,827

 
$
17,163

 
$
29,749

 
$
12,029

 
$
18,493

Nonperforming
 
129

 
64

 
72

 
172

 
63

 
71

Total
 
$
28,725

 
$
11,891

 
$
17,235

 
$
29,921

 
$
12,092

 
$
18,564
Analysis of the Allowance for Credit Losses
The following tables present a summary of activity in the ACL:
Year Ended December 31, 2017
 
Beginning Balance
 
Charge-Offs
 
Recoveries
 
Provision (Benefit)
 
Other
 
Ending Balance
(Dollars in millions)
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
530

 
$
(95
)
 
$
36

 
$
51

 
$
—

 
$
522

CRE
 
145

 
(10
)
 
16

 
9

 
—

 
160

Lease financing
 
7

 
(5
)
 
2

 
5

 
—

 
9

Retail:
 
 

 
 

 
 

 
 

 
 
 
 

Residential mortgage
 
227

 
(47
)
 
2

 
27

 
—

 
209

Direct
 
103

 
(61
)
 
25

 
39

 
—

 
106

Indirect
 
327

 
(402
)
 
60

 
363

 
—

 
348

Revolving credit
 
106

 
(76
)
 
19

 
59

 
—

 
108

PCI
 
44

 
(1
)
 
—

 
(15
)
 
—

 
28

ALLL
 
1,489

 
(697
)
 
160

 
538

 
—

 
1,490

RUFC
 
110

 
—

 
—

 
9

 
—

 
119

ACL
 
$
1,599

 
$
(697
)
 
$
160

 
$
547

 
$
—

 
$
1,609

Year Ended December 31, 2016
 
Beginning Balance
 
Charge-Offs
 
Recoveries
 
Provision (Benefit)
 
Other
 
Ending Balance
(Dollars in millions)
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
488

 
$
(143
)
 
$
44

 
$
141

 
$
—

 
$
530

CRE
 
175

 
(9
)
 
19

 
(40
)
 
—

 
145

Lease financing
 
5

 
(6
)
 
2

 
6

 
—

 
7

Retail:
 
 

 
 

 
 

 
 

 
 
 
 

Residential mortgage
 
217

 
(40
)
 
3

 
47

 
—

 
227

Direct
 
105

 
(53
)
 
26

 
25

 
—

 
103

Indirect
 
305

 
(366
)
 
55

 
333

 
—

 
327

Revolving credit
 
104

 
(69
)
 
20

 
51

 
—

 
106

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
 
$
446

 
$
(90
)
 
$
40

 
$
92

 
$
—

 
$
488

CRE
 
212

 
(24
)
 
18

 
(31
)
 
—

 
175

Lease financing
 
4

 
—

 
—

 
1

 
—

 
5

Retail:
 
 

 
 

 
 

 
 

 
 

 
 

Residential mortgage
 
253

 
(46
)
 
3

 
7

 
—

 
217

Direct
 
110

 
(54
)
 
29

 
20

 
—

 
105

Indirect
 
275

 
(303
)
 
42

 
291

 
—

 
305

Revolving credit
 
110

 
(70
)
 
20

 
44

 
—

 
104

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
Schedule of Loans Collectively Evaluated for Impairment
The following table provides a summary of loans that are collectively evaluated for impairment:
 
 
December 31, 2017
 
December 31, 2016
(Dollars in millions)
 
Recorded Investment
 
Related ALLL
 
Recorded Investment
 
Related ALLL
Commercial:
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
58,804

 
$
494

 
$
57,265

 
$
492

CRE
 
21,173

 
154

 
19,649

 
136

Lease financing
 
1,910

 
9

 
1,672

 
7

Retail:
 
 
 
 
 
 
 
 
Residential mortgage
 
27,914

 
143

 
28,954

 
144

Direct
 
11,815

 
98

 
12,011

 
93

Indirect
 
16,935

 
296

 
18,308

 
286

Revolving credit
 
2,842

 
97

 
2,626

 
95

PCI
 
651

 
28

 
910

 
44

Total
 
$
142,044

 
$
1,319

 
$
141,395

 
$
1,297
Schedule of Loans Individually Evaluated for Impairment
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, 2017
 
UPB
 
Recorded Investment
 
Related ALLL
 
Average Recorded Investment
 
Interest Income Recognized
(Dollars in millions)
 
 
Without an ALLL
 
With an ALLL
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
381

 
$
136

 
$
213

 
$
28

 
$
424

 
$
6

CRE
 
91

 
26

 
64

 
6

 
109

 
3

Lease financing
 
1

 
—

 
1

 
—

 
3

 
—

Retail:
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
 
860

 
132

 
679

 
67

 
895

 
37

Direct
 
99

 
22

 
54

 
8

 
78

 
4

Indirect
 
308

 
6

 
294

 
52

 
269

 
41

Revolving credit
 
30

 
—

 
30

 
10

 
29

 
1

Total
 
$
1,770

 
$
322

 
$
1,335

 
$
171

 
$
1,807

 
$
92


As Of / For The Year Ended December 31, 2016
 
UPB
 
Recorded Investment
 
Related ALLL
 
Average Recorded Investment
 
Interest Income Recognized
(Dollars in millions)
 
 
Without an ALLL
 
With an ALLL
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
505

 
$
204

 
$
271

 
$
38

 
$
483

 
$
6

CRE
 
121

 
35

 
80

 
9

 
114

 
3

Lease financing
 
4

 
1

 
3

 
—

 
4

 
—

Retail:
 
 
 
  

 
  

 
  

 
 
 
 
Residential mortgage
 
1,026

 
97

 
870

 
83

 
843

 
34

Direct
 
107

 
13

 
68

 
10

 
83

 
5

Indirect
 
265

 
5

 
251

 
41

 
227

 
33

Revolving credit
 
29

 
—

 
29

 
11

 
31

 
1

Total
 
$
2,057

 
$
355

 
$
1,572

 
$
192

 
$
1,785

 
$
82
Schedule of Performing and Nonperforming TDRs
The following table provides a summary of TDRs, all of which are considered impaired:
 
 
December 31,
(Dollars in millions)
 
2017
 
2016
Performing TDRs:
 
 
 
 
Commercial:
 
 
 
 
Commercial and industrial
 
$
50

 
$
57

CRE
 
16

 
25

Lease financing
 
—

 
—

Retail:
 
 
 
 
Residential mortgage
 
605

 
769

Direct
 
62

 
67

Indirect
 
281

 
240

Revolving credit
 
29

 
29

Total performing TDRs
 
1,043

 
1,187

Nonperforming TDRs (also included in NPL disclosures)
 
189

 
184

Total TDRs
 
$
1,232

 
$
1,371

ALLL attributable to TDRs
 
$
142

 
$
146
Summary of the Primary Reason Loan Modifications Were Classified 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,
 
 
2017
 
2016
 
2015
 
 
Type of Modification
 
ALLL Impact
 
Type of Modification
 
ALLL Impact
 
Type of Modification
 
ALLL Impact
(Dollars in millions)
 
Rate
 
Structure
 
 
Rate
 
Structure
 
 
Rate
 
Structure
 
Newly Designated TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
$
79

 
$
101

 
$
3

 
$
105

 
$
96

 
$
3

 
$
68

 
$
31

 
$
2

CRE
 
14

 
10

 
1

 
12

 
16

 
—

 
11

 
26

 
1

Retail:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential mortgage
 
357

 
46

 
25

 
431

 
53

 
28

 
230

 
34

 
16

Direct
 
10

 
3

 
—

 
14

 
1

 
—

 
12

 
2

 
4

Indirect
 
192

 
6

 
21

 
169

 
7

 
21

 
129

 
9

 
18

Revolving credit
 
19

 
—

 
4

 
17

 
—

 
4

 
16

 
—

 
4

Re-Modification of Previously Designated TDRs
 
176

 
44

 
—

 
79

 
46

 
—

 
88

 
34

 
—
Selected Information About Loans and Leases
The following table presents additional information about BB&T’s loans and leases:
 
 
December 31,
(Dollars in millions)
 
2017
 
2016
Unearned income, discounts and net deferred loan fees and costs, excluding PCI
 
$
70

 
$
265

Residential mortgage loans in process of foreclosure
 
288

 
366