One to four family mortgage loans as a percentage of total assets: 22.3Analysts surveyed by Bloomberg rank BB&T 15th out of the 19 banks in the S&P 500, giving it a consensus rating of 3.3 out of 5. BB&T's first quarter earnings were "very disappointing," according to a report from Sterne Agee, both from a credit quality and revenue perspective. "Problem asset levels remain exceedingly high despite management's more aggressive asset disposition program," wrote Sterne Agee analyst Todd Hagerman. Nonetheless, Hagerman has a "buy" on BB&T, arguing to Winston-Salem, N.C.-based institution arguing credit is "nearing an inflection point." He also believes "materially lower environmental costs and improving loan demand" suggest the shares are favorable from a risk/reward perspective. Speaking at a May 24 conference hosted by Barclays Capital, BB&T CFO Daryl Bible said BB&T's mortgage business makes up about 7% of revenues, with the largest segment, "community banking," accounting for 60%.