Operating Segments (Tables)

6 Months Ended

Jun. 30, 2011

Operating Segments

Schedule of Selected Financial Information Regarding Reportable Business Segments

Community Banking					Residential Mortgage Banking						Sales Finance						Specialized Lending						Insurance Services
	2011		2010			2011			2010			2011			2010			2011			2010			2011			2010
	(Dollars in millions)
Net interest income (expense)	$	501	$	445		$	244		$	242		$	88		$	99		$	236		$	222		$	—		$	—
Net funds transfer pricing (FTP)		427		529			(184	)		(181	)		(51	)		(64	)		(45	)		(54	)		(2	)		(1	)
Net interest income (expense) and FTP		928		974			60			61			37			35			191			168			(2	)		(1	)
Economic provision for loan and lease losses		112		439			143			187			3			(2	)		28			14			—			—
Noninterest income		308		327			62			98			1			1			42			30			297			283
Intersegment net referral fees (expense)		37		39			—			—			(4	)		(3	)		—			—			—			—
Noninterest expense		536		638			72			66			9			8			78			71			211			202
Allocated corporate expenses		220		195			8			6			3			3			11			10			14			13
Income (loss) before income taxes		405		68			(101	)		(100	)		19			24			116			103			70			67
Provision (benefit) for income taxes		149		25			(38	)		(38	)		7			9			43			39			18			22
Segment net income (loss)	$	256	$	43		$	(63	)	$	(62	)	$	12		$	15		$	73		$	64		$	52		$	45
Identifiable segment assets (period end)	$	58,877	$	61,549		$	21,619		$	18,962		$	7,040		$	6,660		$	9,104		$	8,469		$	1,273		$	1,282

	Financial Services					Treasury						All Other Segments (1)						Parent/ Reconciling Items						Total BB&T Corporation
	2011			2010		2011			2010			2011			2010			2011			2010			2011		2010
	(Dollars in millions)
Net interest income (expense)	$	10		$	10	$	(14	)	$	76		$	50		$	46		$	239		$	220		$	1,354	$	1,360
Net funds transfer pricing (FTP)		14			15		(75	)		(157	)		(47	)		(45	)		(37	)		(42	)		—		—
Net interest income (expense) and FTP		24			25		(89	)		(81	)		3			1			202			178			1,354		1,360
Economic provision for loan and lease losses		(2	)		8		—			—			1			11			43			(7	)		328		650
Noninterest income		162			147		—			242			13			11			(98	)		(100	)		787		1,039
Intersegment net referral fees (expense)		3			3		—			—			—			—			(36	)		(39	)		—		—
Noninterest expense		147			131		6			4			17			16			319			364			1,395		1,500
Allocated corporate expenses		4			4		2			1			1			—			(263	)		(232	)		—		—
Income (loss) before income taxes		40			32		(97	)		156			(3	)		(15	)		(31	)		(86	)		418		249
Provision (benefit) for income taxes		15			12		(56	)		37			(14	)		(18	)		(33	)		(63	)		91		25
Segment net income (loss)	$	25		$	20	$	(41	)	$	119		$	11		$	3		$	2		$	(23	)	$	327	$	224
Identifiable segment assets (period end)	$	4,062		$	3,594	$	33,084		$	28,747		$	7,071		$	6,003		$	17,180		$	19,817		$	159,310	$	155,083

(1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.

BB&T Corporation

Reportable Segments

Six Months Ended June 30, 2011 and 2010

	Community Banking				Residential Mortgage Banking						Sales Finance						Specialized Lending						Insurance Services
	2011		2010		2011			2010			2011			2010			2011			2010			2011		2010
	(Dollars in millions)
Net interest income (expense)	$	984	$	873	$	498		$	480		$	177		$	198		$	464		$	433		$	1	$	1
Net funds transfer pricing (FTP)		855		1,097		(367	)		(365	)		(103	)		(129	)		(87	)		(102	)		1		2
Net interest income (expense) and FTP		1,839		1,970		131			115			74			69			377			331			2		3
Economic provision for loan and lease losses		326		745		227			367			8			(3	)		69			97			—		—
Noninterest income		509		631		137			176			1			1			85			61			546		533
Intersegment net referral fees (expense)		76		73		—			—			(7	)		(6	)		—			—			—		—
Noninterest expense		1,080		1,223		138			122			16			16			152			139			409		403
Allocated corporate expenses		441		392		15			12			6			5			21			20			29		27
Income (loss) before income taxes		577		314		(112	)		(210	)		38			46			220			136			110		106
Provision (benefit) for income taxes		210		116		(42	)		(79	)		14			17			82			51			33		37
Segment net income (loss)	$	367	$	198	$	(70	)	$	(131	)	$	24		$	29		$	138		$	85		$	77	$	69
Identifiable segment assets (period end)	$	58,877	$	61,549	$	21,619		$	18,962		$	7,040		$	6,660		$	9,104		$	8,469		$	1,273	$	1,282

	Financial Services				Treasury						All Other Segments (1)						Parent/ Reconciling Items						Total BB&T Corporation
	2011		2010		2011			2010			2011			2010			2011			2010			2011		2010
	(Dollars in millions)
Net interest income (expense)	$	19	$	18	$	(82	)	$	212		$	98		$	88		$	480		$	371		$	2,639	$	2,674
Net funds transfer pricing (FTP)		37		39		(157	)		(352	)		(93	)		(90	)		(86	)		(100	)		—		—
Net interest income (expense) and FTP		56		57		(239	)		(140	)		5			(2	)		394			271			2,639		2,674
Economic provision for loan and lease losses		1		9		—			—			(7	)		13			44			(3	)		668		1,225
Noninterest income		320		287		(2	)		260			26			23			(121	)		(89	)		1,501		1,883
Intersegment net referral fees (expense)		8		6		—			—			—			—			(77	)		(73	)		—		—
Noninterest expense		292		262		10			9			33			33			637			634			2,767		2,841
Allocated corporate expenses		7		9		5			2			2			(3	)		(526	)		(464	)		—		—
Income (loss) before income taxes		84		70		(256	)		109			3			(22	)		41			(58	)		705		491
Provision (benefit) for income taxes		31		26		(135	)		—			(24	)		(33	)		(25	)		(62	)		144		73
Segment net income (loss)	$	53	$	44	$	(121	)	$	109		$	27		$	11		$	66		$	4		$	561	$	418
Identifiable segment assets (period end)	$	4,062	$	3,594	$	33,084		$	28,747		$	7,071		$	6,003		$	17,180		$	19,817		$	159,310	$	155,083

(1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.