I have observed that many of the northeast banks have made loans that carry a greater risk factor when compared to BB&T. I do not have any hard facts on this. It is just a feeling I have developed from reading and listening to financial information over the years.
BB&T record is pretty good on loan losses. I am not sure many banks have a better record.
Sorry I cannot provide you with hard facts. Sometimes you just have to rely on gut feeling.
You might cite First Union's experience with the Corestates fiasco.
I agree with you, JAA may go to Ohio and the midwest or midsouth where there are a lot of small/mid-market businesses and retail customers that BB&T specializes in....I don't think Northeast US is in the cards. IMHO