LONDON (MarketWatch) — BB&T Corp. /quotes/comstock/13*!bbt/quotes/nls/bbt (BBT 27.81, +0.43, +1.57%) on Friday said fourth-quarter net income totaled $194 million, or 27 cents a share, down from $307 million, or 51 cents, in the same period the previous year. A survey of analysts by FactSet Research produced a consensus forecast for profit of 21 cents a share. The Winston-Salem, N.C.-based bank said fourth-quarter revenue grew 22.7%. Credit losses totaled $725 million, an increase of $197 million compared with the fourth quarter of 2008, the bank said.