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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2017 FQ22016 FQ2 2017 FQ1 
Period Ended6/30/20176/30/2016Y-Y Ch (%)3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets19,035,60014,338,01232.7614,762,315115.79
Total Net Loans13,658,89810,356,63631.8910,339,747128.40
Total Deposits13,971,22110,315,85335.4311,062,329105.18
Equity Attributable to Parent Company3,237,4212,013,14060.812,252,859174.81
Total Equity3,237,4212,013,14060.812,252,859174.81
Profitability (%)   
Net Income ($000) 37,05931,79216.5738,809 (18.04)
Net Income Attributable to Parent ($000) 37,05931,79216.5738,809 (18.04)
ROAA0.820.99 (17)  bp 1.08 (26)  bp
Core ROAA1.261.1313  bp 1.0521  bp
ROAE4.916.96 (205)  bp 6.88 (197)  bp
ROATCE8.5012.71 (421)  bp 11.51 (301)  bp
Core ROAE7.577.92 (35)  bp 6.6988  bp
Net Interest Margin3.423.63 (21)  bp 3.384  bp
Reported: Net Interest Margin3.443.67 (23)  bp 3.431  bp
Efficiency Ratio44.8245.27 (45)  bp 47.17 (235)  bp
Noninterest Inc / Operating Rev22.5914.74785  bp 13.09950  bp
Balance Sheet Ratios (%)   
Loans / Deposits95.86101.04 (518)  bp 94.09177  bp
Securities / Assets9.4510.40 (95)  bp 9.369  bp
Total Equity / Total Assets17.0114.04297  bp 15.26175  bp
Tangible Equity / Tangible Assets9.718.33138  bp 9.85 (14)  bp
Tang Common Equity / Tang Assets9.718.33138  bp 9.85 (14)  bp
Asset Quality (%)   
NPAs / Assets0.910.99 (8)  bp 0.98 (7)  bp
NPA Excl Restructured / Assets0.820.89 (7)  bp 0.89 (7)  bp
NPAs & 90+ PD / Assets0.961.03 (7)  bp 1.02 (6)  bp
NPAs / Loans & REO1.261.36 (10)  bp 1.38 (12)  bp
Nonaccrual & 90+ & OREO / Assets0.870.93 (6)  bp 0.94 (7)  bp
NPAs & 90+ PD / Loans & REO1.331.41 (8)  bp 1.45 (12)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.2912.41 (212)  bp 10.50 (21)  bp
NCOs / Avg Loans0.250.44 (19)  bp 0.223  bp
Loan Loss Reserves / Gross Loans0.530.69 (16)  bp 0.70 (17)  bp
Reserves / NPAs41.9750.90 (893)  bp 50.42 (845)  bp
Loan Loss Provision / NCO101.3371.592,974  bp 101.79 (46)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,735,6271,143,32451.811,407,82893.14
Tier 1 Capital ($000) 1,735,6271,375,12426.221,639,62823.42
Tier 2 Capital ($000) 330,87674,139346.2974,3661,379.72
Total Capital ($000) 2,066,5031,449,26342.591,713,99482.27
Total Risk-weighted Assets ($000) 15,176,36711,477,56215,176,36711,475,08615,176,367
Tier 1 Common Capital (CET1) Ratio (%) 11.449.96148  bp 12.27 (83)  bp
Tier 1 Ratio (%) 11.4411.98 (54)  bp 14.29 (285)  bp
Total Capital Ratio (%) 13.6212.6399  bp 14.94 (132)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.3711.48 (111)  bp 12.05 (168)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 104,946,35176,296,14637.5581,151,257117.29
Avg Diluted Shares (actual) 99,620,04571,809,02138.7381,306,54090.10
Basic Book Value per Share30.8526.3916.9027.7644.52
As-reported Book Value per Share30.8526.3916.9027.7644.52
Basic Tangible Book Value per Share16.1914.6710.3616.85 (15.67)
Reported: Tangible Book Value16.1914.6710.3616.85 (15.67)
Common Dividends Declared per Share0.330.3300.330
EPS after Extra0.370.44 (15.91) 0.48 (91.67)
EPS after Extra Growth (%) (15.9)(12.0) (391)  bp (4.0) (1,191)  bp
Core EPS0.570.50140.4785.11
Core EPS Growth (%) 13.90(7.6)2,152  bp (8.3)2,225  bp
Diluted EPS before Amortization0.390.45 (13.33) 0.49 (81.63)
Pre-Provision Earnings per Share0.610.5510.910.5088
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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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