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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets19,058,95914,508,89231.3619,129,978 (1.48)
Total Net Loans13,200,74910,276,81128.4513,380,573 (5.38)
Total Deposits13,830,59110,796,86728.1013,875,297 (1.29)
Equity Attributable to Parent Company3,240,5302,235,74744.943,263,843 (2.86)
Total Equity3,240,5302,235,74744.943,263,843 (2.86)
Profitability (%)   
Net Income ($000) 17,97539,106 (54.04) 56,738 (273.28)
Net Income Attributable to Parent ($000) 17,97539,106 (54.04) 56,738 (273.28)
ROAA0.381.10 (72)  bp 1.20 (82)  bp
Core ROAA0.431.13 (70)  bp 1.23 (80)  bp
ROAE2.197.54 (535)  bp 6.95 (476)  bp
ROATCE4.4413.42 (898)  bp 13.45 (901)  bp
Core ROAE2.487.74 (526)  bp 7.15 (467)  bp
Net Interest Margin3.783.6117  bp 3.6612  bp
Reported: Net Interest Margin3.773.6215  bp 3.6512  bp
Efficiency Ratio47.6445.39225  bp 47.82 (18)  bp
Noninterest Inc / Operating Rev17.2712.78449  bp 20.08 (281)  bp
Balance Sheet Ratios (%)   
Loans / Deposits94.0895.78 (170)  bp 94.70 (62)  bp
Securities / Assets10.879.73114  bp 9.64123  bp
Total Equity / Total Assets17.0015.41159  bp 17.06 (6)  bp
Tangible Equity / Tangible Assets9.799.90 (11)  bp 9.83 (4)  bp
Tang Common Equity / Tang Assets9.799.90 (11)  bp 9.83 (4)  bp
Asset Quality (%)   
NPAs / Assets0.960.942  bp 0.906  bp
NPA Excl Restructured / Assets0.860.87 (1)  bp 0.824  bp
NPAs & 90+ PD / Assets1.011.001  bp 1.02 (1)  bp
NPAs / Loans & REO1.381.317  bp 1.2810  bp
Nonaccrual & 90+ & OREO / Assets0.910.93 (2)  bp 0.93 (2)  bp
NPAs & 90+ PD / Loans & REO1.451.396  bp 1.450  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.7610.1858  bp 10.82 (6)  bp
NCOs / Avg Loans0.160.22 (6)  bp 0.160  bp
Loan Loss Reserves / Gross Loans0.580.70 (12)  bp 0.562  bp
Reserves / NPAs41.8153.43 (1,162)  bp 43.32 (151)  bp
Loan Loss Provision / NCO132.24102.003,024  bp 136.41 (417)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA1,393,743NA1,762,862NA
Tier 1 Capital ($000) NA1,625,543NA1,762,862NA
Tier 2 Capital ($000) NA74,441NA332,769NA
Total Capital ($000) NA1,699,984NA2,095,631NA
Total Risk-weighted Assets ($000) NA11,443,481NA14,698,516NA
Tier 1 Common Capital (CET1) Ratio (%) 12.0012.18 (18)  bp 11.991  bp
Tier 1 Ratio (%) 12.0014.20 (220)  bp 11.991  bp
Total Capital Ratio (%) 14.2014.86 (66)  bp 14.26 (6)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.1012.15 (205)  bp 10.091  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 105,040,64881,039,97429.62104,983,1260.22
Avg Diluted Shares (actual) 105,125,32677,303,31035.99105,068,1220.22
Basic Book Value per Share30.8527.5911.8231.09 (3.09)
As-reported Book Value per Share30.8527.5911.8231.09 (3.09)
Basic Tangible Book Value per Share16.3516.65 (1.80) 16.47 (2.91)
Reported: Tangible Book Value16.3516.65 (1.80) 16.47 (2.91)
Common Dividends Declared per Share0.340.333.030.3312.12
EPS after Extra0.170.51 (66.67) 0.54 (274.07)
EPS after Extra Growth (%) (66.7)6.30 (7,292)  bp 0 (6,667)  bp
Core EPS0.190.52 (63.46) 0.56 (264.29)
Core EPS Growth (%) (63.1)11.60 (7,475)  bp (0.3) (6,287)  bp
Diluted EPS before Amortization0.190.53 (64.15) 0.56 (264.29)
Pre-Provision Earnings per Share0.570.58 (1.72) 0.570
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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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