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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2017 FQ32016 FQ3 2017 FQ2 
Period Ended9/30/20179/30/2016Y-Y Ch (%)6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets19,129,97814,344,69633.3619,035,6001.98
Total Net Loans13,380,57310,374,06328.9813,658,898 (8.15)
Total Deposits13,875,29710,578,33231.1713,971,221 (2.75)
Equity Attributable to Parent Company3,263,8432,028,67960.893,237,4213.26
Total Equity3,263,8432,028,67960.893,237,4213.26
Profitability (%)   
Net Income ($000) 56,73841,47936.7937,059212.41
Net Income Attributable to Parent ($000) 56,73841,47936.7937,059212.41
ROAA1.201.173  bp 0.8238  bp
Core ROAA1.231.212  bp 1.26 (3)  bp
ROAE6.958.15 (120)  bp 4.91204  bp
ROATCE13.4514.74 (129)  bp 8.50495  bp
Core ROAE7.158.41 (126)  bp 7.57 (42)  bp
Net Interest Margin3.663.5511  bp 3.4224  bp
Reported: Net Interest Margin3.653.569  bp 3.4421  bp
Efficiency Ratio47.8245.11271  bp 44.82300  bp
Noninterest Inc / Operating Rev20.0814.62546  bp 22.59 (251)  bp
Balance Sheet Ratios (%)   
Loans / Deposits94.7098.65 (395)  bp 95.86 (116)  bp
Securities / Assets9.6410.25 (61)  bp 9.4519  bp
Total Equity / Total Assets17.0614.14292  bp 17.015  bp
Tangible Equity / Tangible Assets9.838.45138  bp 9.7112  bp
Tang Common Equity / Tang Assets9.838.45138  bp 9.7112  bp
Asset Quality (%)   
NPAs / Assets0.900.91 (1)  bp 0.91 (1)  bp
NPA Excl Restructured / Assets0.820.84 (2)  bp 0.820  bp
NPAs & 90+ PD / Assets1.020.993  bp 0.966  bp
NPAs / Loans & REO1.281.253  bp 1.262  bp
Nonaccrual & 90+ & OREO / Assets0.930.921  bp 0.876  bp
NPAs & 90+ PD / Loans & REO1.451.3510  bp 1.3312  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.8211.73 (91)  bp 10.2953  bp
NCOs / Avg Loans0.160.26 (10)  bp 0.25 (9)  bp
Loan Loss Reserves / Gross Loans0.560.70 (14)  bp 0.533  bp
Reserves / NPAs43.3255.65 (1,233)  bp 41.97135  bp
Loan Loss Provision / NCO136.41103.083,333  bp 101.333,508  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,762,8621,167,28551.021,735,6276.28
Tier 1 Capital ($000) 1,762,8621,399,085261,735,6276.28
Tier 2 Capital ($000) 332,76974,121348.95330,8762.29
Total Capital ($000) 2,095,6311,473,20642.252,066,5035.64
Total Risk-weighted Assets ($000) 14,698,51611,521,21214,698,51615,176,36714,698,516
Tier 1 Common Capital (CET1) Ratio (%) 11.9910.13186  bp 11.4455  bp
Tier 1 Ratio (%) 11.9912.15 (16)  bp 11.4455  bp
Total Capital Ratio (%) 14.2612.79147  bp 13.6264  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.0910.49 (40)  bp 10.37 (28)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 104,983,12676,439,17337.34104,946,3510.14
Avg Diluted Shares (actual) 105,068,12276,647,77337.0899,620,04521.88
Basic Book Value per Share31.0926.5417.1430.853.11
As-reported Book Value per Share31.0926.5417.1430.853.11
Basic Tangible Book Value per Share16.4714.8810.6916.196.92
Reported: Tangible Book Value16.4714.8810.6916.196.92
Common Dividends Declared per Share0.330.3300.330
EPS after Extra0.540.5400.37183.78
EPS after Extra Growth (%) 08.00 (800)  bp (15.9)1,591  bp
Core EPS0.560.5600.57 (7.02)
Core EPS Growth (%) (0.3)9.90 (1,023)  bp 13.90 (1,420)  bp
Diluted EPS before Amortization0.560.551.820.39174.36
Pre-Provision Earnings per Share0.570.58 (1.72) 0.61 (26.23)
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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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