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Financial HighlightsUNITED BANKSHARES, INC. (NASDAQ - UBSI) 
Select Period: Financial Charting
 2018 FQ42017 FQ4 2018 FQ3 
Period Ended12/31/201812/31/2017Y-Y Ch (%)9/30/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets19,250,49819,058,959119,187,6431.31
Total Net Loans13,595,36513,200,7492.9913,433,9954.80
Total Deposits13,994,74913,830,5911.1914,091,172 (2.74)
Equity Attributable to Parent Company3,251,6243,240,5300.343,251,1280.06
Total Equity3,251,6243,240,5300.343,251,1280.06
Profitability (%)   
Net Income ($000) 63,95017,975255.7764,412 (2.87)
Net Income Attributable to Parent ($000) 63,95017,975255.7764,412 (2.87)
ROAA1.340.3896  bp 1.35 (1)  bp
Core ROAA1.361.2313  bp 1.39 (3)  bp
ROAE7.842.19565  bp 7.90 (6)  bp
ROATCE14.984.441,054  bp 15.10 (12)  bp
Core ROAE7.947.0787  bp 8.11 (17)  bp
Net Interest Margin3.503.78 (28)  bp 3.56 (6)  bp
Reported: Net Interest Margin3.503.77 (27)  bp 3.56 (6)  bp
Efficiency Ratio49.7747.64213  bp 49.752  bp
Noninterest Inc / Operating Rev16.5017.27 (77)  bp 17.63 (113)  bp
Balance Sheet Ratios (%)   
Loans / Deposits95.9194.08183  bp 94.22169  bp
Securities / Assets13.2610.91235  bp 12.4383  bp
Total Equity / Total Assets16.8917.00 (11)  bp 16.94 (5)  bp
Tangible Equity / Tangible Assets9.799.790  bp 9.81 (2)  bp
Tang Common Equity / Tang Assets9.799.790  bp 9.81 (2)  bp
Asset Quality (%)   
NPAs / Assets0.750.96 (21)  bp 0.78 (3)  bp
NPA Excl Restructured / Assets0.700.86 (16)  bp 0.71 (1)  bp
NPAs & 90+ PD / Assets0.831.01 (18)  bp 0.86 (3)  bp
NPAs / Loans & REO1.061.38 (32)  bp 1.10 (4)  bp
Nonaccrual & 90+ & OREO / Assets0.780.91 (13)  bp 0.79 (1)  bp
NPAs & 90+ PD / Loans & REO1.171.45 (28)  bp 1.22 (5)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR8.8410.76 (192)  bp 9.11 (27)  bp
NCOs / Avg Loans0.180.162  bp 0.153  bp
Loan Loss Reserves / Gross Loans0.560.58 (2)  bp 0.57 (1)  bp
Reserves / NPAs52.9641.831,113  bp 51.68128  bp
Loan Loss Provision / NCO96.07132.24 (3,617)  bp 96.12 (5)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,793,6821,759,1891.961,810,817 (3.79)
Tier 1 Capital ($000) 1,793,6821,759,1891.961,810,817 (3.79)
Tier 2 Capital ($000) 326,092334,180 (2.42) 326,0850.01
Total Capital ($000) 2,119,7742,093,3691.262,136,902 (3.21)
Total Risk-weighted Assets ($000) 14,746,35514,724,3940.1514,600,8723.99
Tier 1 Common Capital (CET1) Ratio (%) 12.1611.9521  bp 12.40 (24)  bp
Tier 1 Ratio (%) 12.1611.9521  bp 12.40 (24)  bp
Total Capital Ratio (%) 14.3714.2215  bp 14.64 (27)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.1310.085  bp 10.26 (13)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 102,323,488105,040,648 (2.59) 103,805,836 (5.71)
Avg Diluted Shares (actual) 103,164,267105,125,326 (1.87) 103,933,959 (2.96)
Basic Book Value per Share31.7830.853.0131.325.87
Book Value per Share, As Reported31.7830.853.0131.325.87
Basic Tangible Book Value per Share16.9716.353.7916.716.22
Tangible Book Value per Share, As Reported16.9716.353.7916.716.22
Common Dividends Declared per Share0.340.3400.340
EPS after Extra0.620.17264.710.620
EPS after Extra Growth (%) 264.70(66.7)33,138  bp 14.8024,990  bp
Core EPS0.630.5514.550.64 (6.25)
Core EPS Growth (%) 14.105.10902  bp 14.50 (43)  bp
Diluted EPS before Amortization0.640.19236.840.640
Pre-Provision Earnings per Share0.650.5714.040.66 (6.06)
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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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