NEW YORK (MarketWatch) -- BB&T Corp., the Winston-Salem, N.C., banking firm with nearly $175 billion of assets, reported on Thursday that fourth-quarter earnings moved up 88% on accelerating growth in loans and an improved deposit mix. Net income reached $391 million, or 55 cents a share, from $208 million, or 30 cents, in the year-earlier quarter. Revenue rose 3.4% to $2.4 billion. A survey of analysts by FactSet Research produced a consensus estimate of 53 cents a share of profit on $2.18 billion of revenue. The net interest margin, the difference between what a bank pays out on deposits and takes in on loans, narrowed 0.02 percentage point to 4.02%. The provision for possible losses on bad loans fell 60%.