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BB&T (BBT)
SUMMARY
BULLS
BEARS
TOPICS
DATA CENTRAL
STOCK CHART
SEC FILINGS
BALANCE
INCOME
CASH FLOW
Topic Listing for BB&T
Acceleration Except Permitted 409 Time Form Payment Phantom
Acceleration Except Permitted 409a Time Form Payment Performance
Accounting Assets Acquired Liabilities Assumed Business Combination Arise
Accounting Change Projected Timing Cash Flows Relating Income
Accounting Collateral Assignment Split-dollar Life Insurance Arrangements
Accounting Considerations
Accounting Creditors Impairment Loan Sfas Components Collective
Accounting Deferred Compensation Postretirement Benefit Aspects Endorsement Split-dollar
Accounting Income Taxes
Accounting Leases
Accounting Transfers Financial Assets- Amendment Fasb Statement 140
Accrued Benefit Means Respect Each Participant Balance Credited
Accumulated Other Comprehensive Income Loss
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss 2005
Accumulated Other Comprehensive Loss 2006
Ace Ebenture
Acquiring New Clients Bbtwork Strategy
Acquisition Afco Cafo Completed
Acquisition Virginia Banks Inc
Acquisitions
Acts Holders Meetings Voting
Acts Threats Terrorism Political Military Actions Taken United
Actuarial Assumptions
Adaptation Maslow
Addendum Purchase Assumption Agreement
Additional Benefits
Additional Terms Conditions
Adjustment Date Means Each Securities Traded New York
Adjustments
Administration
Administration Committee
Administrative Committee
Advances Federal Home Loan Bank Atlanta
Advances Federal Home Loan Bank Atlanta Fhlb
Affiliate
Agenda
Agreement
Agreement Behalf Morrison
Agreement Morrison
Agreement Respect Bank Premises
Agreement Respect Certain Existing Agreements
Agreement Respect Continuation Group Health Plan Coverage Former
Agreement Respect Leased Data Processing Equipment
Agreement Respect Trust Business
Agreement Sasser
Agreements Fitzpatrick
Agreements Repurchase Short-term Borrowed Funds
Allocation Allowance Loan Lease Losses Category
Allocation Responsibilities
Allowance Loan Lease Losses Reserve Unfunded Lending Commitments
Alternative Payment Mechanism
Amended Restated
Amended Restated Employment Agreement
Amended Restated Trust Agreement
Amended Trust Agreement
Amendment
Amendment Articles Incorporation Bylaws Change
Amendment Termination
Amendment Termination Plan
Amendments Articles Incorporation Bylaws Change
Amendments Fasb Interpretation
Amendments Indenture
American Coastal Insurance
American Jobs Creation Act 2004
American Recovery Reinvestment Act 2009
Amrisc Llp
Analysis Financial Condition
Analysis Results Operations
Annex
Announces Credit Ratings Upgrade Bbt
Annual Base Salary
Annual Cash Incentives
Annual Report Pursuant
Apm Qualifying Securities
Appendix
Applicable Law Plan Shall Governed Construed Accordance Laws
Applicable Percentage
Applicable Spread
Applicable Time
Application Accounting Principles Loan Commitments
Appointment New Members Executive Management
Appraisal Procedure
Appropriate Federal Banking Agency
Approval 2004 Stock Plan Proposals Allow Bbt Follow
Approval 2004 Stock Plan Proposals Facilitate Attraction Retention
Arra
Arrangements Certain Officers
Asset Purchase Price
Asset Quality
Asset Quality Credit Risk Management
Asset Quality Excellent Improves Further
Asset Quality Reflects Return Normalized Levels
Asset Quality Remains Excellent
Asset Quality Remains Excellent Nonperforming Assets Improve
Asset Quality Strongest
Assets Subject Option Purchase
Assignment
Assuming Bank
Assumption Certain Duties Obligations
Assumption Liabilities
Assumptions
Attendance Committees Board
Audit Committee Pre-approval Policy
Audit Committee Report
Audit Trustee Shall Time Permit Independent Certified Public
Auditor Report Right Audit
Authority Amend Terminate Board Bbt Shall Power Plan
Authorized Form Denominations
Average Loans Grow
Average Noninterest Bearing Total Deposits
Award Payout
Awards
Back Index
Background
Balance Page Intentionally Left Blank
Balance Sheet Growth Remains Healthy
Balance Sheet Growth Remains Healthy Client Deposit Strengthens
Balance Sheet Growth Remains Healthy Client Deposit Very
Balances
Banking Network
Bankruptcy Claim Limitation Provision
Barlow Research Study
Base Prospectus
Base Salary Adjustments
Basis Presentation
Bbt 133
Bbt 2006 Peer Group
Bbt 2007 Peer Group
Bbt Acquire Citizens Bancorp Cleveland Tenn
Bbt Acquire Coastal Financial Corporation Myrtle Beach
Bbt Acquire Main Street Banks Inc Metro Atlanta
Bbt Acquires Deposits Certain Assets Colonial Bank Fdic-assisted
Bbt Announces 750 Common Stock Offering
Bbt Announces Agreement Repurchase Tarp Warrant
Bbt Announces Pricing Common Stock Offering
Bbt Announces Share Buyback Program
Bbt Assurance Ltd
Bbt Begins Efforts Effectively Deploy Treasury Capital Investment
Bbt Capital Levels Increase
Bbt Capital Markets
Bbt Capital Trust
Bbt Common Stock Means Bbts Par Value
Bbt Completes Acquisition Citizens Bancorp
Bbt Completes Acquisition Coastal Financial Corp
Bbt Completes Acquisition Coastal Financial Insurance Agencies
Bbt Completes Acquisition Main Street Banks Inc
Bbt Completes Common Stock Offering Improves Capital Levels
Bbt Completes Securities Restructuring
Bbt Consolidation Creates Banking Subsidiary
Bbt Continues Deploy Treasury Capital Investment
Bbt Continues Enjoy Strong Loan Growth 113
Bbt Continues Expand Insurance Business
Bbt Continues Expand Through Acquisitions
Bbt Corporation
Bbt Corporation 675 Junior Subordinated Debentures Due 2036
Bbt Corporation Accumulated Other Comprehensive Loss 2004
Bbt Corporation Accumulated Other Comprehensive Loss 2005
Bbt Corporation Amended Restated
Bbt Corporation Amended Restated 2004 Stock Incentive Plan
Bbt Corporation Coo Speak Sept Lehman Brothers Global
Bbt Corporation Exact Name Registrant Specified Charter
Bbt Corporation Exact Name Registrant Specified Charter Number
Bbt Corporation Letterhead
Bbt Corporation Non-qualified
Bbt Corporation Non-qualified Defined Benefit Plan
Bbt Corporation Reportable Segments
Bbt Corporation Supplemental Defined
Bbt Deposit Market Share Branch Locations State
Bbt Enjoys Strong Loan Growth 102
Bbt Exceeds Goals Related Noninterest Expense
Bbt Exceeds Stress Test Capital Levels Exits Tarp
Bbt Expanding Operations New Geographic Areas
Bbt Expands Asset Management Business Partners Sterling Capital
Bbt Expands Automobile-lending Business Acquisition Fsb Financial
Bbt Expands Businesses Through High-quality Acquisitions
Bbt Expands Insurance Business
Bbt Expands Key Markets
Bbt Expands Presence Excellent Markets Acquires Coastal Financial
Bbt Expands Specialized Lending Business
Bbt Expands Specialized Lending Business Acquires Insurance Agencies
Bbt Experience Significant Competition Market Area Reduce Customer
Bbt Faces Significant Operational Risk
Bbt Faces Systems Failure Risks Well Security Including
Bbt Fail Realize Benefits Incur Unanticipated Losses Related
Bbt Financial Services
Bbt Increases Quarterly Cash Dividend
Bbt Increases Quarterly Cash Dividend Capital Levels Remain
Bbt Increases Quarterly Cash Dividend Named Achiever Again
Bbt Insurance
Bbt Insurance Highlights
Bbt Insurance Services California Inc
Bbt Insurance Services Inc
Bbt Insurances Focus Plays Win
Bbt Investment Criteria
Bbt Investment Services Inc
Bbt Names Executive Management Team
Bbt Non- Negotiables
Bbt Not Able Successfully Integrate Bank Nonbank Mergers
Bbt Not Materially Affected Court Decision
Bbt Not Receive Regulatory Approvals Required Complete Bank
Bbt Overhang Run Rate
Bbt Positive Attitude
Bbt Posts 115 Loan Growth
Bbt Produces Positive Operating Leverage Driven Improved Expense
Bbt Produces Positive Operating Leverage Driven Improved Revenues
Bbt Produces Positive Operating Leverage Driven Strong Expense
Bbt Produces Strong Deposit Growth
Bbt Re-launches Brand Introduces New Tagline
Bbt Reaffirms Dividend Comment
Bbt Receives Recognition Online Account Opening System
Bbt Receives Strong Debt Ratings
Bbt Recognized Nationally Client Service
Bbt Recognized Nationally Home Mortgage Customer Service
Bbt Recognized Nationally Service Performance
Bbt Recognized Service Excellence Business Banking
Bbt Reduce Dividends Common Stock
Bbt Relies Other Companies Provide Key Components Business
Bbt Reports 2004 Net Income 156 463 Surpasses
Bbt Reports 2006 Net Income 153 Operating Earnings
Bbt Reports 2nd 2009 Net Income 208 Eps
Bbt Reports 3rd Net Income 4170
Bbt Reports Increase Earnings Net Income Totals 428
Bbt Reports Net Income 358
Bbt Reports Net Income 428 Earnings Per Share
Bbt Reports Net Income 444
Bbt Reports Record 2005 Net Income 165 Operating
Bbt Reports Record Net Income 458 Earnings Per
Bbt Values
Bbts Accounting Policies Methods Key Reports Financial Condition
Bbts Business Suffer Fails Attract Retain Skilled People
Bbts Chief Financial Officer Retire End
Bbts Eps Totals 113
Bbts Exchange Act Reports Contain Limited Financial Information
Bbts Fee Based Businesses Enjoy Strong Quarterly Growth
Bbts Fee Based Businesses Produce Solid Quarterly Annual
Bbts Fee Based Businesses Produce Solid Quarterly Growth
Bbts Fee Income Producing Businesses Enjoy Healthy Growth
Bbts Fee-based Businesses Enjoy Another Solid
Bbts Fee-based Businesses Enjoy Strong Quarterly Growth
Bbts Fee-based Businesses Produce Healthy Growth
Bbts Fee-based Businesses Produce Record Revenues
Bbts Fee-based Businesses Produce Solid Quarterly Growth Rates
Bbts Liquidity Impaired Inability Access Capital Markets Unforeseen
Bbts Net Income 204
Bbts Noninterest Income
Bbts Noninterest Income 112
Bbts Noninterest Income Reflects Mixed Results
Bbts Noninterest Revenue-producing Businesses Expand Through Acquisitions
Bbts Operating Efficiency Improves
Bbts Reported Financial Results Depend Managements Selection Accounting
Bbts Stock Price Volatile
Beneficial Ownership Reporting Compliance
Beneficiary
Beneficiary Means Person Persons Entity Designated Determined Pursuant
Benefit Plans
Benefits Not Assignable Facility Payments
Binding Effect Agreement Shall Inure Benefit Employee His
Binding Effect Trust Shall Trustee Respective Successors Assigns
Board
Board Director Executive Committee Service
Board Directors
Board Directors Recommends Vote Proposals 1234
Board Means Directors Bbt Purposes 221 Shall Also
Bonus Plan Payments
Borrowed Funds
Borrowings
Branch Bank-sc Bank-va Bbt Bankcard Corporation
Branch Locations
Brokered Deposits
Bundle Results
Business
Business Combination
Business Combinations
Business Loan Lease Portfolio
Bylaws Proposed Amendment
Calculation Agent
Calculation Amount Due Fdic
Call Toll-free Vote 1-800-433-2279
Capital
Capital Adequacy Ratios Bbt Corporation Banks
Capital Adequacy Ratios Bbt Corporation Branch Bank
Capital Adequacy Ratios Bbt Corporation Principal Banking Subsidiaries
Capital Adequacy Resources
Capital Credit Markets Experienced Unprecedented Levels Volatility
Capital Levels Grow Significantly
Capital Levels Remain Strong
Capital Levels Remain Strong Following Successful Common Stock
Capital Levels Remain Very Strong
Capital Levels Remain Very Strong Tangible Common Equity
Capital Markets
Capital Markets Corporate Banking
Capital Ratios
Capital Securities
Capital Securities Guarantee
Capital Stock
Capital Strength
Capital Treatment Event
Capital-components Ratios
Capitalization Date
Cash Due Banks Federal Funds Sold Interest-bearing Deposits
Cash Equivalents
Cash Equivalents Segregated Due Banks
Cash Flow Hedges
Cdars
Certificate
Certificate Designations
Certificate Trust Bbt Capital
Certification Pursuant Usc 1350
Certification Pursuant Usc 1350 Adopted 906 Sarbanes-oxley Act
Certifications
Challenges
Challenges Opportunities
Change Control
Changes Accounting Principles Effects New Pronouncements
Changes Accounting Standards Materially Impact Bbts Financial Statements
Changes Banking Laws Material Adverse Effect Bbt
Changes Interest Rates Adverse Effect Bbts Profitability
Changes Internal Control Over Financial Reporting
Changes National Local Economic Conditions Lead Higher Loan
Charter
Chief Executive Officers 2004 Compensation
Chief Executive Officers 2005 Compensation
Citizens Bancorp
Citizens Bancorps Shareholders Approve Merger Bbt
Claim Procedures
Claims Creditors
Claims Procedure
Claims Suits
Client Deposit Growth Remains Excellent 288 Transaction Accounts
Client Deposit Growth Very Strong Balance Sheet Continues
Client Deposits Grow 135 Compared Last
Closing
Closing Date
Coastal Financial Acquisition Planned
Coastal Financial Corporation
Code
Code 162 Performance-based Compensation
Codes Ethics
Colonial Bank Acquisition Increased Branch Banks Commercial Real
Combined Loan Deposit Growth Remains Healthy
Combined Loan Deposit Growth Remains Healthy Market Share
Combined Loan Deposit Growth Remains Strong
Commencement Benefits
Commencement Timing Distributions
Commercial Loan Lease Portfolio
Commercial Sales Management
Commercial Shared-loss Agreement
Commercially Reasonable Efforts
Commitments Contingencies
Committee
Committee Administers Plan Applied Shall Also Each Other
Committee Officers Subcommittee Members Shall Elect Chairman Acting
Common Cap
Common Control
Common Securities
Common Stock
Common Stock Dividends
Common Stock Issuance Cap
Communication Participants
Communications
Community Banking Locations
Comparison
Compensation
Compensation Committee
Compensation Committee Interlocks Insider Participation
Compensation Committee Report Executive
Compensation Consultant
Compensation Directors
Compensation Executive Officers
Compensation Philosophy
Competition
Competitive Benchmarking
Competitive Benchmarking Other Analyses
Completion Acquisition Disposition Assets
Compliance 162 Internal Revenue Code
Compliance Federal Reserve Rules
Compliance Laws Restrictions Awards Shares
Compliance Securities Exchange Act 1934 Rule 16b-3 Trading
Components Executive Compensation
Composition Securities Portfolio
Comprehensive Income
Comprehensive Income Loss
Computation Earnings Per Common Share
Computation Earnings Per Share
Conclusion
Condensed Income Statements
Condition Precedent
Consecutive Record Operating Earnings
Consent Independent Registered Public Accounting Firm
Consolidated Financial Statements
Construction
Construction Provisions Plan Shall Construed Enforced According Laws
Consulting Agreements
Consumer Loan Portfolio
Consumer Protection Laws
Continuation Participation Following Transfer Non-participating Affiliate
Continuing Cooperation
Continuing Directors Terms Expiring 2006
Continuing Directors Terms Expiring 2007
Contractual Commitments
Contractual Obligations Commitments Contingent Liabilities Off-balance Sheet Arrangements
Contractual Obligations Commitments Contingent Liabilities Off-balance Sheetarrangements Related
Contractual Obligations Commitments Contingent Liabilities Off-balancesheet Arrangements
Contractual Obligations Commitments Contingent Liabilities Off-balancesheet Arrangements Related
Contractual Obligations Other Commitments
Contribution Plan Highly Compensated Employees
Contributions
Controlled Group
Controls Procedures
Convertible Securities
Core Asset Quality Remains Healthy
Core Deposit Intangible
Core Net Interest Margin Improves 368
Corporate Governance
Corporate Governance Guidelines
Corporate Governance Matters
Corporation
Correction Errors Omissions Other Liabilities
Cost Interest Bearing Deposits Peer Comparison
Counsel Delaware Trustee
Counterparts
Counterparts Agreement Executed Each Shall Deemed Original Together
Covenants
Covenants Employee
Covenants Subordination
Covered Debt
Covered Debtholder
Cpp
Cpp Participation
Crc Insurance Services Inc
Credit Quality
Credit Ratings Bbt Corporation Branch Bank
Credits Account
Criteria Listed Order Importance Sometimes Trade-offs Among Bbt
Critical Accounting Policies
Current Criteria
Current Share Limitations
Current Stock Market Price
Dated 2006
Dated 2008
Dated 2009
Death Prior Commencement Payment
Debentures
Decision Review Claim Denied Whole Part Plan Administrator
Declaration Amendment Bbt Corporation Non-employee Directors Deferred Compensation
Declaration Amendment Bbt Corporation Non-qualified Defined Contribution Plan
Deemed Investments Adjustment Accounts
Deepening Relationships Through Bundling
Deferral Election Form Means Executed Participant Pursuant Provisions
Deferral Election Form Means Including Electronic Telephonic Other
Deferral Feature Sar Shall Allow Compensation Within Meaning
Deferral Period
Deferred Compensation Plan
Deferred Compensation Trust
Deferred Taxes
Defined Contribution Plan
Defined Contribution Plans
Defined Terms
Definitions
Definitions Appendix
Definitions Construction
Definitions Wherever Used Agreement Including Not Limited Recitals
Delaware Act
Delaware Trustee
Delivering Bbts Value Promise
Delivery Proxy Materials
Departure Directors Certain Officers Election Appointment Compensatory
Departure Directors Principal Officers Election Appointment
Deposit Insurance Assessments
Deposit Liabilities
Deposit Repayment Amount
Depository Institution Subsidiary8221
Deposits
Deposits Grow Compared Last Bbt Gains Deposit Market
Deposits Other Borrowings
Derivative Financial Instruments
Derivatives
Description
Designation Principal Amount Authorized Denomination
Determination Cmt Rate
Determination Commercial Paper Rate
Determination Euribor
Determination Federal Funds Rate
Determination Libor
Determination Prime Rate
Determination Rate
Determination Treasury Rate
Determination Useful Life Intangible Assets
Determining Fair Value Financial Asset Market Not Active
Determining Fair Value Volume Level Activity Asset Liability
Differences Interpretation Tax Laws Regulations Adversely Impact Bbts
Direct Retail Loan Portfolio
Director Election Majority Vote Standard Proposal
Director Independence
Director Nominations
Director Option Program
Disability Benefits
Disclosures Credit Derivatives Certain Guarantees Amendment Fasb Statement
Disclosures Derivative Instruments Hedging Activities-an Amendment Sfas 133
Disclosures Fair Value Financial Instruments
Discretionary Credits
Discussion
Dispute Resolution
Dispute Resolution Procedures
Disruptions Financial Markets Affect Bbt
Dissolution Election
Dissolution Liquidation Merger
Distribution Agreement
Distribution Date
Distribution Election Form Means Including Electronic Telephonic Other
Distribution Period
Distributions
Distributions Redemption
Divided
Dividend Equivalents
Dividend Other Payment Stoppages
Dividends Dividend Equivalents
Dollars
Dramatically Improved Cross-sell Ratios 2008 Account Opening Existing
Dtc
Dtc Agreement
Duties Assuming Bank
Duties Assuming Bank Respect Shared-loss Assets
Duties Assuming Bank Respect Shared-loss Securities
Duties Respect Depositors Failed Bank
Early Stage Delinquencies Charge-offs Stable Nonperforming Assets Increase
Earnings Per Common Share Total 271
Earnings Per Share Total
Earnings Webcast
Earnings Webcast Quarterly Performance Summary
Economic Value Equity Eve Simulation Analysis
Economic Vitality Map
Economy 2009
Edgar
Eesa
Eesa Arra Tax Accounting Considerations
Effect Recitals
Effect Termination
Effective 2001
Effective Date Term
Effectiveness
Efficiency Ratio Drivers
Election
Election Defer
Eligibility Participation
Eligibility Participation Deferrals
Eligibility Post-disability Retirement Benefit Participant Becomes Disabled Prior
Eligible Debt
Eligible Proceeds
Eligible Senior Debt
Eligible Subordinated Debt
Emergency Economic Stabilization Act 2008
Employees
Employers Disclosures Postretirement Benefit Plan Assets
Employment Agreement
Employment Agreements
Eneral Estrictions
Entry Date Means Each Plan Special Circumstances Such
Entry Material Definitive Agreement
Equity Compensation Plan Information
Equity-based Compensation
Equity-based Compensation Plans
Erisa
Establishment Medium-term Program
Establishment Purpose
Establishment Purpose Plan
Establishment Purposes Plan
Establishment Trust
Estimates Preparation Financial Statements
Evaluation Disclosure Controls Procedures
Events Default
Events Default Acceleration
Exact Name Registrant Specified Charter
Exchange Act
Execution
Execution Time
Execution Version
Executive Officers Bbt
Executive Overview
Executive Sessions
Executive Summary
Exercise Options
Exercise Sars
Exhibits
Expense Management
Expenses
Expenses Increase Due Fdic Insurance Premiums Acquisitions Credit
Expenses Increase Due Increased Fdic Insurance Premiums Credit-related
Expiration Time
Explanatory
Extension Interest Payment Period
Extent Set Forth Rospectus Upplement
Face Debenture
Fair Market Value
Fair Value Financial Instruments
Fair Value Hedges
Fair Value Measurements
Fair Value Option Financial Assets Liabilities-including Amendment Fasb
Fdic Loss Share Indemnification Asset
Fdic Mortgage Loan Modification Program
Fdic-assisted Acquisition Certain Assets Liabilities Colonial Bank
Federal Deposit Insurance Corporation
Federal Funds Purchased Securities Sold Agreements Repurchase Other
Federal Funds Purchased Securities Sold Repurchase Agreements Short-term
Federal Income Tax Consequences
Federal Income Tax Considerations Consistent Purpose Plan Recited
Federal Reserve
Fees Auditors
Fin
Final Repayment Date
Financial Condition
Financial Data
Financial Holding Regulation
Financial Institution Acquisitions
Financial Services
Financial Services Accomplishments
Financial Services Industry
Financial Statements
Financial Statements Businesses Acquired Exhibits
Financial Statements Exhibits
Financial Summary
Fixed Floating Rate Capital Securities
Fixed Floating Rate Junior Subordinated Debentures
Fixed Rate Notes
Focus
Following 316a Hereby Added Employment Agreement After 316
Following Table Provides Certain Information 2008 Respect Bbts
Forecast 2010 2014
Foreclosure After Covered Loan Mod
Foreclosure Occurred Prior Loss Share Agreement
Form
Form Common Securities Certificate
Form Debenture
Form Global Capital Securities Certificate
Form Junior Subordinated Debenture
Form Junior Subordinated Debentures
Form Notice Exercise
Form Opinion
Form Opinion Frances Jones Esq
Form Opinion Shipman Goodwin Llp
Form Opinion Squire Sanders Dempsey Llp
Form Payment
Form Syndicated Terms Agreement
Form T-1
Form Waiver
Form Warrant Purchase Common Stock
Forward-looking Information
Forward-looking Statements
Funding
Funding Activities
Further
Further Assurances
Future Laws Regulations Governmental Programs
Fy-end Option Values
Gaap
General
General Business Development
General Compensation Philosophy Guiding Principles
General Compensation Philosophy Guiding Principles Setting Process
General Information
General Provisions
General Restrictions
General Terms Conditions Debentures
Global Economic Context
Global Fixed Rate
Global Floating Rate
Global Original Issue Discount Coupon
Global Original Issue Discount Fixed Rate
Glossary
Goal
Goodwill Other Assets
Goodwill Other Intangible Assets
Governing Law
Governmental Entities
Grew Net New Transaction Accounts 94012
Growth Rate Nonperforming Assets Slows Early Stage Credit
Growth Results
Guarantee
Guarantee Agreement
Guarantee Trustee
Headings Paragraphs Sections Herein Included Solely Convenience Reference
Headings Subheadings Plan Been Inserted Convenience Reference Ignored
Held 2005
Held 2006
Held 2007
Held 2008
Held 2009
Hierarchy Generally Accepted Accounting Principles
Hierarchy Generally Accepted Accounting Principles-a Replacement Fasb Statement
Highlights
Highly Compensated Employees
Hispanic Market
History
Holder
Holders Counsel
However
Http Fdic01prodfdicgov Division Dsc Tech Apps Alert Doc
Immediate Release
Impact Federal Bank Regulatory Agencies Assessment Bbts Capital
Impact Inflation Changing Interest Rates
Important Notice Regarding Availability Proxy Materials Shareholder Meeting
Incentive Compensation Credits
Incentive Compensation Credits Means Amounts Credited Participants Account
Incentive Stock Awards
Income Taxes
Indemnitee
Indenture
Indenture Trustee
Independent Registered Public Accounting Firm 2005
Independent Registered Public Accounting Firm 2006
Independent Registered Public Accounting Firm 2007
Independent Registered Public Accounting Firm 2008
Independent Registered Public Accounting Firm 2009
Index
Index Exhibits
Index Financial Statements
Indicate Check Whether Registrant Large Accelerated Filer Non-accelerated
Indicate Check Whether Registrant Shell Defined Rule 12b-2
Individual Line Balance Sheet
Individuals Delivering Lock-up Agreements
Industry
Information
Initial Covered Debt
Initial Number
Insert Applicable
Institution Possible
Institutional Services
Insurance Industry Market Conditions
Insurance Other Nonbank Acquisitions
Insurance Services
Insurance Services Financial
Intangible Assets
Intent-based Replacement Disclosure
Interest Deferral
Interest Payment Date
Interest Period
Interest Rate Derivatives
Interest Sensitivity Simulation Analysis
Interim Asset Servicing Arrangement
Internal Control Over Financial Reporting
Introduction
Investment Activities
Investment Advisory Business
Investment Banking Brokerage
Investment Event
Investment Funds
Investment Securities
Investment Trust Fund
Investor
Issuance Sale 570 Senior Notes Due 2014 685
Issuer Filed Registration Statement Including Pricing Supplement Prospectus
Issuer Free Writing Prospectus
Joint Several Obligations Extent Permitted Applicable Law Employer
Junior Stock
Junior Subordinated Debenture
Junior Subordinated Debentures
Junior Subordinated Debt Unconsolidated Trusts
Key Executives
Key Strategic Objectives
Largest Depository Institution Subsidiary
Last
Laws North Carolina Govern Trust Shall Governed Construed
Legal Proceedings
Legislative Regulatory Actions Taken Now Future Address Current
Lending Activities
Letter Agreement
Letterhead Womble Carlyle Sandridge Rice Pllc
Level
Leveraging Advantages
Libor
Libor Determination Date
Limitation Claims Event Bankruptcy Insolvency Receivership
Limitations Repayment Redemption Purchase Securities
Liquidity
Liquidity Capital Resources
List Attached Schedule Subschedule Information Therein Bank Closing
List Loans Sold
Loan Growth Accelerates 106
Loan Growth Accelerates 131
Loan Growth Continues Robust 108
Loan Growth Remains Healthy
Loan Securitizations
Loan Servicing
Loan Syndications
Loans
Loans Executive Officers Directors
Loans Held Sale
Loans Leases
Loans Receivable Held Sale
London Business
Long-term Debt
Long-term Incentive Awards
Long-term Incentive Performance Ltip Awards
Long-term Incentive Plan-awards Last
Loss Sharing Agreement Fdic Indemnification Asset
Loss Tranche
Loss-sharing Notices Given Corporation Receiver
Loss-sharing Notices Given Receiver Purchaser
Losses
Main Street Banks Inc Msbk
Maintaining Increasing Bbts Market Share Depend Lowering Prices
Major Nonbank Subsidiaries
Major Subsidiary Depository Institution
Make-whole Redemption Price
Managements Discussion Analysis
Managements Report Internal Control Over Financial Reporting
Mandatorily Convertible Preferred Stock
Mandatory Trigger Provision
Market Area
Market Characteristics
Market Developments Adversely Affect Bbts Industry Business Results
Market Disruption Event
Market Place Deposits
Market Price
Market Risk Management
Market Value
Matching Credits
Material Adverse Effect
Material Modification Rights Security Holders
Maximum Share Number
Mcgriff Seibels Williams Inc
Meaning Present Fairly Conformity Generally Accepted Accounting Principles
Measurement Period
Merged Been Acquired
Merger Criteria Results
Merger Strategy
Merger-related Restructuring Activities
Merger-related Restructuring Charges
Mergers Acquisitions Completed 2004
Mergers Acquisitions Completed 2005
Mergers Acquisitions Completed 2006
Mergers Acquisitions Completed 2007
Mergers Acquisitions Completed 2008
Mergers Pending 2006
Miscellaneous
Miscellaneous Provisions
Mission
Modification Process
Modification Supplemental Indenture
Modification Waivers
Mor
Mortgage Banking
Mortgage Loan Portfolio
Mortgage Servicing Rights
Most Bbts Outstanding Stock Option Grants Underwater Corporations
Myrtle Beach South Carolina
Name Person Filing Proxy Statement Other Registrant
Narrative 2006 Director Compensation Table
Narrative 2006 Grants Plan-based Awards Table
Narrative 2006 Non-qualified Deferred Compensation Table
Narrative 2006 Pension Benefits Table
Narrative 2006 Summary Compensation Table
Narrative 2007 Director Compensation Table
Narrative 2007 Grants Plan-based Awards Table
Narrative 2007 Non-qualified Deferred Compensation Table
Narrative 2007 Pension Benefits Table
Narrative 2007 Summary Compensation Table
Narrative 2008 Director Compensation Table
Narrative 2008 Grants Plan-based Awards Table
Narrative 2008 Non-qualified Deferred Compensation Table
Narrative 2008 Pension Benefits Table
Narrative 2008 Summary Compensation Table
National Bank Director Qualification Standard
Nature Operations
Net Income Reportable Segments
Net Interest Income
Net Interest Income 127
Net Interest Income Margin
Net Interest Margin Improves 354
Net Interest Margin Improves 365
Net Interest Margin Improves 366
Net Interest Margin Improves 368 Colonial Transaction Outlook
Net Interest Margin Improves 380 Income 245 Outlook
Net Liabilities Assumed
Net New Checking Accounts
New Plan Benefits
Nominees Election Directors One-year Term Expiring 2008
Nominees Election Directors One-year Term Expiring 2009
Nominees Election Directors Three-year Terms Expiring 2008
Non-book-entry Capital Securities
Non-cumulative
Non-employee Director Means Bbt Active Member Board Directors
Non-employee Directors
Non-employee Directors Deferred Compensation Stock Option Plan
Non-loss Share Assets
Non-participating Affiliates
Non-qualified Deferred Compensation
Non-qualified Deferred Compensation Trust
Non-qualified Defined Contribution Plan
Noncompetition
Noncompetition Confidentiality
Noncontrolling Interests Consolidated Financial Statements-an Amendment Arb
Nonforfeitability Accounts
Nonforfeitability Supplemental Pension Benefits
Noninterest Expense
Noninterest Expenses Decline Reflecting Disciplined Expense Management
Noninterest Expenses Decrease Reflecting Further Improvement Efficiency
Noninterest Expenses Increase Due Additional Credit Costs Fdic
Noninterest Income
Noninterest Income Increases Record Mortgage Banking Results
Noninterest Income Reflects Increase
Noninterest Revenues Increase 187 Mortgage Banking Revenue 735
Noninterest Revenues Increase 202 Led Mortgage Banking Revenue
Noninterest-earning Assets
Nonperforming Assets
Nonperforming Assets Credit Losses Affected Economic Conditions
Nonperforming Assets Credit Losses Increase
Nonperforming Assets Credit Losses Increase Response Economic Conditions
Notes Foreclosure
Notes Restructuring
Notes Short Sale
Notice Depositors
Notice Repayment
Now Therefore
Now Therefore Consideration Premises Mutual Independent Promises Herein
Nrsro
Number 1-10853
Number 1-10853 Bbt Corporation Exact Name Registrant Specified
Nyse Certification
Objective
Occupancy Costs
Occurring
Office Thrift Supervision Regulation
Officers
Omnibus Stock Incentive Plan
Ompensation Enefits
Operating Earnings Available Common Shareholders
Operating Earnings Per Share Total
Operating Efficiency
Operating Results Cash Flows
Operating Segments
Operational Risk Management
Opportunity
Option Exercises Stock Vested 2006
Option Exercises Stock Vested 2007
Option Exercises Stock Vested 2008
Option Grants Last
Option Means Right Purchase Shares Bbt Common Stock
Option Plan
Option Purchase
Optional Deferral Provision
Options
Ordinary Cash Dividends
Organizational Structure
Original Issue Debentures
Original Warrantholder
Originally Reported Increase
Other
Other Acquisitions
Other Business
Other Deferred Compensation Arrangements
Other Employee Benefits
Other Events
Other Interest Earning Assets
Other Interest-earning Assets
Other Real Estate Owned
Other Regulatory Matters
Other Safety Soundness Regulations
Outcome Financial Industry Trends
Outline
Over
Overall Pay-for-performance Executive Compensation Program
Overview
Overview Executive Compensation Program
Overview Neo Compensation Program
Parent
Parent Reconciling
Pari Passu
Parity Securities
Parity Stock
Part Other Information
Participant
Participants
Participating Affiliates
Participating Employers
Participation
Participation Employees Non-participating Affiliates Not Previously Entered Plan
Participation Treasurys Capital Purchase Program
Parties Plan
Passions
Paying Agent
Payment Account
Payment Benefits
Payment Benefits Reasons Other Death
Payment Benefits Separation Service
Payment Benefits Termination Service
Payment Commencement Date Post-disability Retirement Benefits
Payment Commencement Date Supplemental Post-disability Pension Benefits
Payment Dividends
Payment Provision
Payments Principal Interest
Payments Respect Shared-loss Assets
Pending Mergers
Pension Benefits
Pension Plan
Pension Postretirement Benefit Obligations
Per Share Data
Per Share Fair Market Value
Performance Awards
Performance Based Restricted Stock Units Earned
Performance Graph
Performance Management
Performance Unit Award Agreement
Period
Permitted Remedies
Permitted Transactions
Perquisites Practices
Person
Phantom Stock Award Participant Number Hypothetical Share Units
Phantom Stock Awards
Piggyback Registration
Place Live
Plan
Plan Administrator
Plan Benefits
Plan Means Bbt Amended Restated Non-employee Directors Deferred
Please Detach Here Not Voting Telephone Internet
Policy Accounting Legal Complaints
Portfolio Performance Summary Schedule
Portfolio Sale
Positioning People
Postretirement Benefits Other Pension
Potential Payments Termination Change Control
Powers Duties Rights Guarantee Trustee
Powers Trustee
Pre-retirement Survivor Benefits
Preceeding Loan Mod Loss Share
Preferred Cap
Preferred Shares
Preferred Stock
Preferred Stock Issuance Cap
Preliminary Prospectus
Premises Equipment
Prepayment Debentures
Previously Disclosed
Pricing
Pricing Disclosure Package
Pricing Prospectus
Pricing Term Sheet
Principal Amount Indenture Purposes
Principal Banking Subsidiary
Principles Consolidation
Prior Acquisition Colonial Bank Was Subject Several Regulatory
Pro Forma Profile
Pro Rata
Pro Rata Repurchases
Proceedings Respect Certain Assets Liabilities
Processing Request Payment Approved Such Shall Soon Thereafter
Profitability Measures
Properties
Proposal 1-election Directors
Proposal 3-election Directors
Proposal 5-shareholder Relating Majority Voting
Proposal Approval Advisory Regarding Bbts Overall Pay-for-performance Executive
Proposal Approval Amendments Bbt Corporation 2004 Stock Incentive
Proposal Approval Amendments Corporations Amended Restated 2004 Stock
Proposal Election Directors
Proposal General Background
Proposal Ratification Pricewaterhousecoopers Llp Independent Registered Public Accounting
Proposal Shareholder Relating Majority Voting
Proposals 2006 Annual Meeting
Proposals 2007 Annual Meeting
Proposals 2008 Annual Meeting
Proposals 2009 Annual Meeting
Proposals 2010 Annual Meeting
Proposed Amendments 2004 Stock Plan
Proprietary Rights
Prospectus
Prospectus Supplement
Provided
Provided Further
Provided However
Provision Credit Losses
Provision Income Taxes
Proxy Solicited Board Directors Bbt Corporation
Purchase
Purchase Agreement
Purchase Assets
Purchase Closing
Purchase Price
Purchase Price Allocation
Purchaser Wiring Instructions
Purpose
Purpose Eligibility
Purposes
Purposes Sections 1273 1275 Internal Revenue Code Amount
Puts Assets Receiver
Qualified Equity Offering
Qualifying Capital Securities
Qualifying Mortgage Loans
Qualifying Plans Effective
Qualifying Preferred Stock
Qualifying Replacement Capital Covenant
Qualifying Warrants
Quantitative Qualitative Disclosures Market Risk
Quarterly Summary Market Prices Cash Dividends Paid Common
Quorum Votes Required
Rate Interest Payment Dates
Ratification
Ratification Indenture
Rating Agency
Rating Agency Event
Rationale Acquisition
Reasons Amendment
Receiver Corporation
Recitals
Reclassifications
Recognition Liabilities Connection Purchase Business Combination
Recognition Presentation Other-than-temporary Impairments
Recognitions
Record Date Shares Outstanding
Redemption
Redemption Debentures
Redesignation Date
Registrable Securities
Registrants Telephone Number Including Area Code
Registration
Registration Expenses
Registration Statement
Registration Transfer
Regular Record Date
Regulation Disclosure
Regulatory Agreement
Regulatory Approvals
Regulatory Capital Ratios Preliminary
Regulatory Considerations
Related Junior Lien Mortgage Loans
Related Loans
Related Party Transactions
Related Person Transactions Policy Procedures
Relative Financial Performance
Remainder Page Intentionally Left Blank
Removal Remove Trustee Without Cause Least Notice Writing
Repay
Repayment
Repayment Date
Repayment Debentures
Repayments
Replacement Capital Covenant
Replacement Capital Securities
Report Independent Registered Public Accounting Firm
Reports
Representation Date
Representations Warranties
Representations Warranties Assuming Bank
Representatives
Repurchase Restriction
Reserve Policy Methodology
Reserved
Residential Mortgage Banking
Resolved Shareholders Approve Bbts Overall Pay-for-performance Executive Compensation
Resources
Respect Notice
Respective Retirement Dates
Responsibility Committee Action Trustee Assumes Obligation Respect Required
Restricted Awards
Restricted Stock Unit Agreement
Restricted Stock Unit Agreement Performance Vesting Component
Restriction Period
Restrictions
Results
Results Operations Financial Condition
Results Risk Management Strategy
Results Transaction
Results Transaction Assuming Shareholders Elect 100 Stock
Retail Commercial
Retail Consultative Concepts
Retail Sales Management
Retention Repurchase Assets Essential Receiver
Retirement Allison Chalk
Retirement Benefit
Retirement Benefits
Retirement Chalk
Retirement Plans
Reuters Screen Libor01 Page
Reverse Security
Revolving Credit Loan Portfolio
Rider Master Global Dated
Risk Factors
Risk-based Capital Ratios Preliminary
Rule 16b-3 Trading Restrictions
Rule 415
Rule 430a Information
Rules Regarding Administration Shared-loss Assets Securities
Salary Reduction Credits
Sales Finance
Sales Finance Loan Portfolio
Sarbanes-oxley Act 2002
Savings Plan Means Bbt Corporation 401 Amended Restated
Schedule
Schedule Accounts Excluded Calculation Deposit Franchise Bid Premium
Schedule Certain Liabilities Assumed Assuming Bank
Schedule Excluded Deposit Liability Accounts
Schedule Purchase Price Assets
Schedule Removed Not Completed
Scheduled Maturities Time Deposits 100000 Greater
Scheduled Maturity Date
Schedules
Scott Stringfellow Financial Inc Deferral Plan
Securities
Securities Act
Securities Exchange Act 1934
Securities Purchase Agreement
Securities Registered Pursuant Exchange Act 1934
Securities Registrar
Securities Registrar Paying Agent Delegation Trustee Duties
Securities Sold Repurchase Agreements
See Attached List
See Following Page
Segment Results
Selection Debentures Repaid
Selling Expenses
Senior Debt
Senior Executive Officers
Senior Indebtedness
Service Charges Deposits
Services
Settlement Award Distribution Shares
Severability
Severability Agreements Covenants Contained Agreement Severable Event Them
Severability Provision Plan Shall Held Illegal Invalid Reason
Severability Provision Trust Prohibited Law Shall Ineffective Extent
Severability Provisions Contained Plan Shall Severable Event Them
Severance Benefits
Share Dilution Amount
Share Ownership Directors
Share Ownership Directors Executive Management
Share Repurchase Activity
Share Repurchases
Shared-loss Arrangement
Shared-loss Loans
Shared-loss Securities
Shareholder Communications Board
Shareholder Interested Party Communications Board
Shareholder Vote Required
Shareholders Equity
Shares
Shares Registrants Common Stock Par Value
Shares Subject Plan Award Limitations
Shelf Registration Statement
Short Sale After Covered Loan Mod
Signature
Signature Page Follow
Signature Page Follows
Signatures
Significant Accomplishments 2004
Significant Accomplishments 2005
Significant Accomplishments 2006
Significant Accomplishments 2007
Significant Accomplishments 2008
Significant Litigation Material Adverse Effect Bbt
Significant Subsidiary
Signing Date
Single Family Shared-loss Agreement
Sinking Funds
Solid Growth Noninterest Income
Soundness Other Financial Institutions Adversely Affect Bbt
Special
Special Counsel Offerors
Special Provisions
Special Provisions Prior Plans
Special Provisions Relating Capital Accumulation Plan Eligible Key
Special Provisions Relating Scott Stringfellow Inc Financial Deferral
Special Provisions Relating Southern National Esop Excess Plan
Special Provisions Relating Supplemental Retirement Benefit Prior Plan
Special Registration
Specialized Lending
Specialized Lending Portfolio
Specific Language Changes Employment Agreement
Specified Employee Means Within Meaning 409a Identification Policy
State
Statement Board Directors Opposition Shareholder Proposal
Statement Purpose
Stock Appreciation Rights
Stock Incentive Plan
Stock Means Par Value Common Fund Bbt Corporation
Stock Ownership
Stock Plan Proposals
Stockholder Proposals
Strategically Compelling Financially Attractive Transaction Enhances Bbts Franchise
Strategy
Strong Balance Sheet Growth
Submission Matters Vote Security Holders
Subordination
Subsequent Events
Subsidiaries
Subsidiary
Successful Acquisitions
Successors Assigns
Such Securities
Summary
Summary 2004 Stock Plan
Summary Analysis Supporting Conclusions
Summary Compensation Table
Summary Completed Mergers Acquisitions
Summary Description Bonus Plan
Summary Significant Commitments
Summary Significant Lending Commitments
Summary Terms
Superior Balanced Performance
Supervisory Event
Supplemental Defined Contribution
Supplemental Executive Retirement Plan Serp
Supplemental Indenture
Supplemental Pension Benefits
Supplemental Post-disability Pension Benefits
Survivor Benefits
Table
Table 8-1 Interest Sensitivity Simulation Analysis
Table 8-2 Economic Value Equity Eve Simulation Analysis
Table Annualized Profitability Meas Ures
Table Annualized Profitability Measures
Table Bbt Corporation Net Income Reportable Segments
Table Capital Ratios
Table Composition Average Deposits
Table Composition Average Loans Leases
Table Contents
Table Interest Sensitivity Simulation Analysis
Table Share Repurchase Activity
Table Summary Significant Commitments
Targeted Annual Cost Savings 246 Approximately Main Streets
Targeted Annual Cost Savings Approximately Citizens Expense Base
Targeting Small Businesses
Tax
Tax Accounting Considerations
Tax Considerations
Tax Event
Tax Filings Addition Returns Required Trustee Law Shall
Tax Information Form Evidencing Such Payment Amount Thereof
Taxes
Termination
Termination Amendment Waiver
Termination Date
Termination Means Calendar Executives Date Occurs 313 Ode
Terms Agreement
Terms Expiring 2007 Proposal Approved
Terms Transaction
Through
Timing 2005 Deferrals Compliance 409a
Timing Duration Elections
Tness Eth
Top Large Markets
Total Revenues Increase 127 Led Mortgage Banking
Trading
Traits Outstanding Achievers
Transactions Affiliates
Transfer
Transfer Overfunded Assets
Transfer Records
Transferability
Treasury
Treasury Dealer
Treasury Departments Investment Bbt Imposes Restrictions Obligations Limiting
Treasury Price
Treasury Rate
Treasury Security
Treat Client Individual
Trust Agreement
Trust Indenture Act
Trust Indenture Act Regulations
Trust Material Adverse Effect
Trust Obligation Pay Benefits Plans Accounts
Trust Securities
Trust Services
Trustee
Trustees
Unconditional Right Holders Receive Principal Premium Interest
Unconditional Right Holders Receive Principal Premium Interest Direct
Underwriters
Underwriting Agreement
Underwriting Approach
Unforeseeable Emergency Payments
Unfunded Plan Effect Other Plans
United States
Unpredictable Catastrophic Events Material Adverse Effect Bbt
Unregistered Sales Equity Securities
Unregistered Sales Equity Securities Proceeds
Usa Patriot Act
Vacating Premises
Valuation Mortgage Servicing Rights
Venture Capital Investments
Vested Accrued Benefits Payable Termination
Vesting
Vesting Interest Participant His Deferred Compensation Account Shall
Vesting Performance Awards Subject Terms Plan Administrator Shall
Vesting Phantom Stock Awards Subject Terms Plan Administrator
Voting Methods
Warrant
Warrant Shares
Warrantholder
Weakness Markets Residential Commercial Real Estate Including Secondary
Wealth Division
Web Site Access Bbts Filings Securities Exchange
Wilmington North Carolina
Winston-salem
Withholding Tax Matters
Witness Whereof
Witnesseth
Xvi
Xvii
Xviii
Year-to-date Operating Earnings Per Share
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