Did Michael Jordan take a pay cut when he lost a game or series the Bulls should have won?
Do you think John Allison can make people or business borrow money? Do you think that a recession might have had something to do with growth and earnings? The stock you refer to is a BANK. It still makes most of its money off of borrowing it at one price and lending it at another. Most every bank I looked at was having trouble getting growth in the loan assets.
BB&T stock has been a very fair return for the long-term owner (more than 2 years). Take your whining someplace else or at least recognize all the facts that impact the value of stocks.