I was going to post this exact same thing. Well said. It would have been smarter to buy US treasuries in 1998 than to buy this stock. Wow! A bank full of mediocre managers with mediocre skills, mediocre talent who cannot find a job anywhere else...so they work at the BB&T corp. welfare office. All those great minds from East Carolina University at work. I wonder if they understand the concept of annual compounded rates of return. And at the top of the heap is that gem Kelly King. What a mess, form their stupid scheme to avoid taxes that will cost 700M to bad land loans, a failed credit model, to ripping off pro football players, this is just a bunch of rank amateurs who try to make their numbers by over-managing expenses and massaging their loan loss reserves form 2006. The only winners here have been the EVPs and BOd for the last 15 years.