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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2016 FQ42015 FQ4 2016 FQ3 
Period Ended12/31/201612/31/2015Y-Y Ch (%)9/30/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets14,508,89212,577,94415.3514,344,6964.58
Total Net Loans10,276,8119,319,03510.2810,374,063 (3.75)
Total Deposits10,796,8679,341,52715.5810,578,3328.26
Equity Attributable to Parent Company2,235,7471,712,63530.542,028,67940.83
Total Equity2,235,7471,712,63530.542,028,67940.83
Profitability (%)   
Net Income ($000) 39,10633,47616.8241,479 (22.88)
Net Income Attributable to Parent ($000) 39,10633,47616.8241,479 (22.88)
ROAA1.101.082  bp 1.17 (7)  bp
Core ROAA1.131.067  bp 1.21 (8)  bp
ROAE7.547.75 (21)  bp 8.15 (61)  bp
ROATCE13.4513.59 (14)  bp 14.74 (129)  bp
Core ROAE7.747.5717  bp 8.41 (67)  bp
Net Interest Margin3.613.565  bp 3.556  bp
Reported: Net Interest Margin3.623.566  bp 3.566  bp
Efficiency Ratio45.4149.72 (431)  bp 45.1130  bp
Noninterest Inc / Operating Rev12.7814.23 (145)  bp 14.62 (184)  bp
Balance Sheet Ratios (%)   
Loans / Deposits95.78100.46 (468)  bp 98.65 (287)  bp
Securities / Assets9.679.643  bp 10.25 (58)  bp
Total Equity / Total Assets15.4113.62179  bp 14.14127  bp
Tangible Equity / Tangible Assets9.908.31159  bp 8.45145  bp
Tang Common Equity / Tang Assets9.908.31159  bp 8.45145  bp
Asset Quality (%)   
NPAs / Assets0.941.17 (23)  bp 0.913  bp
NPA Excl Restructured / Assets0.871.08 (21)  bp 0.843  bp
NPAs & 90+ PD / Assets1.001.26 (26)  bp 0.991  bp
NPAs / Loans & REO1.311.56 (25)  bp 1.256  bp
Nonaccrual & 90+ & OREO / Assets0.931.17 (24)  bp 0.921  bp
NPAs & 90+ PD / Loans & REO1.391.69 (30)  bp 1.354  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.1814.99 (481)  bp 11.73 (155)  bp
NCOs / Avg Loans0.220.26 (4)  bp 0.26 (4)  bp
Loan Loss Reserves / Gross Loans0.700.81 (11)  bp 0.700  bp
Reserves / NPAs53.4351.41202  bp 55.65 (222)  bp
Loan Loss Provision / NCO102.00104.05 (205)  bp 103.08 (108)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA1,022,755NA1,167,285NA
Tier 1 Capital ($000) NA1,254,555NA1,399,085NA
Tier 2 Capital ($000) NA76,937NA74,121NA
Total Capital ($000) NA1,331,492NA1,473,206NA
Total Risk-weighted Assets ($000) NA10,573,447NA11,521,212NA
Tier 1 Common Capital (CET1) Ratio (%) 12.209.67253  bp 10.13207  bp
Tier 1 Ratio (%) 14.2011.87233  bp 12.15205  bp
Total Capital Ratio (%) 14.9012.59231  bp 12.79211  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 12.2010.70150  bp 10.49171  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 81,039,97469,603,09716.4376,439,17324.08
Avg Diluted Shares (actual) 77,303,31069,737,45110.8576,647,7733.42
Basic Book Value per Share27.5924.6112.1126.5415.83
As-reported Book Value per Share27.5924.6112.1126.5415.83
Basic Tangible Book Value per Share16.6514.1517.6714.8847.58
Reported: Tangible Book Value16.6514.1517.6714.8847.58
Common Dividends Declared per Share0.330.3300.330
EPS after Extra0.510.486.250.54 (22.22)
EPS after Extra Growth (%) 6.300625  bp 8.00 (175)  bp
Core EPS0.520.4710.640.56 (28.57)
Core EPS Growth (%) 11.50(6.8)1,833  bp 9.90159  bp
Diluted EPS before Amortization0.530.498.160.55 (14.55)
Pre-Provision Earnings per Share0.570.5111.760.58 (6.90)
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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