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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2018 FQ32017 FQ3 2018 FQ2 
Period Ended9/30/20189/30/2017Y-Y Ch (%)6/30/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets19,187,64319,129,9780.3019,207,603 (0.42)
Total Net Loans13,433,99513,380,5730.4013,724,688 (8.47)
Total Deposits14,091,17213,875,2971.5613,830,7667.53
Equity Attributable to Parent Company3,251,1283,263,843 (0.39) 3,242,5651.06
Total Equity3,251,1283,263,843 (0.39) 3,242,5651.06
Profitability (%)   
Net Income ($000) 64,41256,73813.5366,274 (11.24)
Net Income Attributable to Parent ($000) 64,41256,73813.5366,274 (11.24)
ROAA1.351.2015  bp 1.42 (7)  bp
Core ROAA1.391.2316  bp 1.45 (6)  bp
ROAE7.906.9595  bp 8.09 (19)  bp
ROATCE15.1013.45165  bp 15.43 (33)  bp
Core ROAE8.117.1596  bp 8.29 (18)  bp
Net Interest Margin3.563.66 (10)  bp 3.64 (8)  bp
Reported: Net Interest Margin3.563.65 (9)  bp 3.67 (11)  bp
Efficiency Ratio49.7547.82193  bp 48.7699  bp
Noninterest Inc / Operating Rev17.6320.08 (245)  bp 19.47 (184)  bp
Balance Sheet Ratios (%)   
Loans / Deposits94.2294.70 (48)  bp 97.73 (351)  bp
Securities / Assets12.439.64279  bp 11.8558  bp
Total Equity / Total Assets16.9417.06 (12)  bp 16.886  bp
Tangible Equity / Tangible Assets9.819.83 (2)  bp 9.747  bp
Tang Common Equity / Tang Assets9.819.83 (2)  bp 9.747  bp
Asset Quality (%)   
NPAs / Assets0.780.90 (12)  bp 0.81 (3)  bp
NPA Excl Restructured / Assets0.710.82 (11)  bp 0.74 (3)  bp
NPAs & 90+ PD / Assets0.861.02 (16)  bp 0.90 (4)  bp
NPAs / Loans & REO1.101.28 (18)  bp 1.13 (3)  bp
Nonaccrual & 90+ & OREO / Assets0.790.93 (14)  bp 0.83 (4)  bp
NPAs & 90+ PD / Loans & REO1.221.45 (23)  bp 1.25 (3)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR9.1110.82 (171)  bp 9.60 (49)  bp
NCOs / Avg Loans0.150.16 (1)  bp 0.17 (2)  bp
Loan Loss Reserves / Gross Loans0.570.561  bp 0.561  bp
Reserves / NPAs51.6843.32836  bp 49.34234  bp
Loan Loss Provision / NCO96.12136.41 (4,029)  bp 108.42 (1,230)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,810,8171,762,8622.721,793,5863.84
Tier 1 Capital ($000) 1,810,8171,762,8622.721,793,5863.84
Tier 2 Capital ($000) 326,085332,769 (2.01) 326,0620.03
Total Capital ($000) 2,136,9022,095,6311.972,119,6483.26
Total Risk-weighted Assets ($000) 14,600,87214,698,516 (0.66) 14,899,260 (8.01)
Tier 1 Common Capital (CET1) Ratio (%) 12.4011.9941  bp 12.0436  bp
Tier 1 Ratio (%) 12.4011.9941  bp 12.0436  bp
Total Capital Ratio (%) 14.6414.2638  bp 14.2341  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.2610.0917  bp 10.36 (10)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 103,805,836104,983,126 (1.12) 104,203,542 (1.53)
Avg Diluted Shares (actual) 103,933,959105,068,122 (1.08) 104,952,788 (3.88)
Basic Book Value per Share31.3231.090.7431.122.57
Book Value per Share, As Reported31.3231.090.7431.122.57
Basic Tangible Book Value per Share16.7116.471.4616.544.11
Tangible Book Value per Share, As Reported16.7116.471.4616.544.11
Common Dividends Declared per Share0.340.333.030.340
EPS after Extra0.620.5414.810.63 (6.35)
EPS after Extra Growth (%) 14.8001,481  bp 70.30 (5,546)  bp
Core EPS0.640.5614.290.65 (6.15)
Core EPS Growth (%) 14.50(0.3)1,480  bp 13.10138  bp
Diluted EPS before Amortization0.640.5614.290.65 (6.15)
Pre-Provision Earnings per Share0.660.5715.790.69 (17.39)
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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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