Actually, banks can make money right now by making loans, they just dont want to. Lenders are quick to say "there is no loan demand." There is infinite loan demand. The borrowers, though, cannot meet the demands placed upon them by lenders, who want higher spreads, more equity, and tighter underwriting. And as we were dumb enough to let the government give the banks free cash, they have no incentive to deal as long as they have a war chest of capital reserves and can reinvest it in treasuries.
Everything needs to take a step back before we can move forward. This means banks have to swallow their own medicine, make loans they wold rather not make, some of them will fail, and share prices will fall in general. Best managed banks will survive and their prices will rebound. Dont know when that will happen though or if BB&T will be a winner or loser.