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Section 1: 10-Q (10-Q)

10-Q
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Table of Contents
FORM
10-Q
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
  
For the quarterly period ended June 30, 2019
 
OR
 
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from
                    
to
                    
Commission File Number:    
002-86947
United Bankshares, Inc.
(Exact name of registrant as specified in its charter)
West Virginia
 
55-0641179
(State or other jurisdiction of
incorporation or organization)
 
(I.R.S. Employer
Identification No.)
     
300 United Center
500 Virginia Street, East
Charleston,
West Virginia
 
25301
(Address of principal executive offices)
 
Zip Code
Registrant’s telephone number, including area code:
(304) 424-8716
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
 
Trading
Symbol(s)
 
Name of each exchange 
on which registered
Common Stock
, par value $2.50 per share
 
UBSI
 
NASDAQ
 Global Select Market
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    
Yes
  
     No  
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T
(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
    Yes
  
     No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a
non-accelerated
filer, smaller reporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule
12b-2
of the Exchange Act.
Large accelerated filer
 
 
Accelerated filer
 
             
Non-accelerated
filer
 
 
Smaller reporting company
 
             
 
 
Emerging growth company    
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  
Indicate by check mark whether the registrant is a shell company (as defined in Rule
12b-2
of the Act).    Yes  
     No
  
As of
July
 31, 2019
, the registrant had
101,871,901
shares of common stock, $2.50 par value per share, outstanding.
Table of Contents
UNITED BANKSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 
 
Page
 
   
 
             
Item 1.
     
 
         
   
4
 
         
   
5
 
         
   
7
 
         
   
8
 
         
   
10
 
         
   
11
 
             
Item 2.
     
57
 
             
Item 3.
     
78
 
             
Item 4.
     
81
 
         
   
 
             
Item 1.
     
82
 
             
Item 1A.
     
82
 
             
Item 2.
     
82
 
             
Item 3.
     
83
 
             
Item 4.
     
83
 
             
Item 5.
     
83
 
             
Item 6.
     
83
 
         
   
84
 
 
2
 
Table of Contents
PART I - FINANCIAL INFORMATION
Item 1.
FINANCIAL STATEMENTS (UNAUDITED)
 
 
The June 30, 2019 and December 31, 2018, consolidated balance sheets of United Bankshares, Inc. and Subsidiaries (“United” or the “Company”), consolidated statements of income and comprehensive income for the three and six months ended June 30, 2019 and 2018, the related consolidated statement of changes in shareholders’ equity for the three and six months ended June 30, 2019 and 2018, the related condensed consolidated statements of cash flows for the six months ended June 30, 2019 and 2018, and the notes to consolidated financial statements appear on the following pages.
 
3
 
Table of Contents
CONSOLIDATED BALANCE SHEETS
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands, except par value)
 
June 30
2019
   
December 31
2018
 
 
(Unaudited)
   
(Note 1)
 
Assets
   
     
 
Cash and due from banks
  $
198,171
    $
187,886
 
Interest-bearing deposits with other banks
   
1,054,589
     
831,707
 
Federal funds sold
   
813
     
803
 
                 
Total cash and cash equivalents
   
1,253,573
     
1,020,396
 
Securities available for sale at estimated fair value (amortized cost-$2,324,286 at June 30, 2019 and $2,360,884 at December 31, 2018)
   
2,345,791
     
2,337,039
 
Securities held to maturity (estimated fair value-$6,483 at June 30, 2019 and $18,655 at December 31, 2018)
   
6,461
     
19,999
 
Equity securities at estimated fair value
   
9,098
     
9,734
 
Other investment securities
   
201,912
     
176,955
 
Loans held for sale (at fair value-$365,440 at June 30, 2019 and $247,104 at December 31, 2018)
   
370,593
     
249,846
 
Loans
   
13,639,946
     
13,429,532
 
Less: Unearned income
   
(4,680
)    
(7,310
)
                 
Loans net of unearned income
   
13,635,266
     
13,422,222
 
Less: Allowance for loan losses
   
(76,400
)    
(76,703
)
                 
Net loans
   
13,558,866
     
13,345,519
 
Bank premises and equipment
   
94,545
     
95,245
 
Operating lease
right-of-use
assets
   
63,113
     
0
 
Goodwill
   
1,478,014
     
1,478,014
 
Accrued interest receivable
   
60,934
     
60,597
 
Other assets
   
439,639
     
457,154
 
                 
TOTAL ASSETS
  $
19,882,539
    $
19,250,498
 
                 
                 
Liabilities
   
     
 
Deposits:
   
     
 
Noninterest-bearing
  $
4,330,665
    $
4,416,815
 
Interest-bearing
   
10,073,420
     
9,577,934
 
                 
Total deposits
   
14,404,085
     
13,994,749
 
Borrowings:
   
     
 
Federal funds purchased
   
0
     
23,400
 
Securities sold under agreements to repurchase
   
122,159
     
152,927
 
Federal Home Loan Bank (FHLB) borrowings
   
1,548,032
     
1,439,198
 
Other long-term borrowings
   
235,535
     
234,905
 
Reserve for lending-related commitments
   
1,752
     
1,389
 
Operating lease liabilities
   
66,821
     
0
 
Accrued expenses and other liabilities
   
170,297
     
152,306
 
                 
TOTAL LIABILITIES
   
16,548,681
     
15,998,874
 
                 
Shareholders’ Equity
   
     
 
Preferred stock, $1.00 par value;
Authorized-50,000,000
shares, none issued
   
0
     
0
 
Common stock, $2.50 par value;
Authorized-200,000,000
shares;
issued-105,413,508
and 105,239,121 at June 30, 2019 and December 31, 2018, respectively, including 3,450,478 and 2,915,633 shares in treasury at June 30, 2019 and December 31, 2018, respectively
   
263,534
     
263,098
 
Surplus
   
2,137,459
     
2,134,462
 
Retained earnings
   
1,073,390
     
1,013,037
 
Accumulated other comprehensive loss
   
(20,367
)    
(57,019
)
Treasury stock, at cost
   
(120,158
)    
(101,954
)
                 
TOTAL SHAREHOLDERS’ EQUITY
   
3,333,858
     
3,251,624
 
                 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
  $
19,882,539
    $
19,250,498
 
                 
See notes to consolidated unaudited financial statements.
 
4
 
Table of Contents
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands, except per share data)
 
Three Months Ended
June 30
   
Six Months Ended
June 30
 
 
2019
   
2018
   
2019
   
2018
 
Interest income
   
     
     
     
 
Interest and fees on loans
  $
175,130
    $
159,294
    $
340,001
    $
308,222
 
Interest on federal funds sold and other short-term investments
   
5,405
     
3,465
     
11,242
     
8,382
 
Interest and dividends on securities:
   
     
     
     
 
Taxable
   
17,748
     
13,810
     
35,111
     
25,685
 
Tax-exempt
   
962
     
1,431
     
1,988
     
2,896
 
                                 
Total interest income
   
199,245
     
178,000
     
388,342
     
345,185
 
                                 
Interest expense
   
     
     
     
 
Interest on deposits
   
35,455
     
19,076
     
68,093
     
34,733
 
Interest on short-term borrowings
   
608
     
464
     
1,299
     
885
 
Interest on long-term borrowings
   
12,629
     
9,338
     
24,229
     
16,402
 
                                 
Total interest expense
   
48,692
     
28,878
     
93,621
     
52,020
 
                                 
Net interest income
   
150,553
     
149,122
     
294,721
     
293,165
 
Provision for loan losses
   
5,417
     
6,204
     
10,413
     
11,382
 
                                 
Net interest income after provision for loan losses
   
145,136
     
142,918
     
284,308
     
281,783
 
                                 
Other income
   
     
     
     
 
Fees from trust services
   
3,438
     
3,104
     
6,702
     
6,195
 
Fees from brokerage services
   
2,766
     
1,953
     
5,290
     
4,177
 
Fees from deposit services
   
8,464
     
8,420
     
16,517
     
16,650
 
Bankcard fees and merchant discounts
   
1,102
     
1,479
     
2,258
     
2,835
 
Other service charges, commissions, and fees
   
576
     
599
     
1,097
     
1,108
 
Income from bank-owned life insurance
   
1,326
     
1,271
     
3,153
     
2,525
 
Income from mortgage banking activities
   
21,704
     
18,692
     
35,385
     
33,262
 
Net investment securities 
gains
(losses)
   
109
     
(55
)    
(50
)    
(540
)
Other income
   
310
     
544
     
666
     
987
 
                                 
Total other income
   
39,795
     
36,007
     
71,018
     
67,199
 
                                 
Other expense
   
     
     
     
 
Employee compensation
   
44,301
     
43,120
     
83,250
     
83,956
 
Employee benefits
   
8,578
     
9,298
     
18,009
     
18,869
 
Net occupancy expense
   
8,667
     
9,076
     
17,418
     
18,503
 
Other real estate owned (OREO) expense
   
633
     
556
     
2,049
     
1,502
 
Equipment expense
   
3,675
     
3,279
     
6,990
     
6,436
 
Data processing expense
   
5,567
     
5,817
     
10,729
     
11,667
 
Bankcard processing expense
   
448
     
480
     
928
     
946
 
FDIC insurance expense
   
3,300
     
2,842
     
6,600
     
4,690
 
FHLB prepayment penalties
   
5,105
     
0
     
5,105
     
0
 
Other expense
   
19,921
     
18,942
     
38,542
     
37,293
 
                                 
Total other expense
   
100,195
     
93,410
     
189,620
     
183,862
 
                                 
Income before income taxes
   
84,736
     
85,515
     
165,706
     
165,120
 
Income taxes
   
17,529
     
19,241
     
34,857
     
37,140
 
                                 
Net income
  $
67,207
    $
66,274
    $
130,849
    $
127,980
 
                                 
 
5
 
Table of Contents
CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - continued
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands, except per share data)
 
Three Months Ended
June 30
   
Six Months Ended
June 30
 
 
2019
   
2018
   
2019
   
2018
 
Earnings per common share:
   
     
     
     
 
Basic
  $
0.66
    $
0.63
    $
1.28
    $
1.22
 
                                 
Diluted
  $
0.66
    $
0.63
    $
1.28
    $
1.22
 
                                 
Average outstanding shares:
   
     
     
     
 
Basic
   
101,773,643
     
104,682,910
     
101,833,880
     
104,770,681
 
Diluted
   
102,047,845
     
104,952,788
     
102,099,809
     
105,058,014
 
See notes to consolidated unaudited financial statements
 
6
 
Table of Contents
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands)
 
Three Months Ended
   
Six Months Ended
 
 
June 30
   
June 30
 
 
2019
   
2018
   
2019
   
2018
 
Net income
  $
67,207
    $
66,274
    $
130,849
    $
127,980
 
Change in net unrealized gain (loss) on
available-for-sale
(AFS) securities, net of tax
   
17,994
     
(6,501
)    
34,783
     
(23,274
)
Accretion of the net unrealized loss on the transfer of AFS securities to
held-to-maturity
(HTM) securities, net of tax
   
0
     
1
     
0
     
2
 
Change in pension plan assets, net of tax
   
909
     
1,052
     
1,819
     
1,785
 
                                 
Comprehensive income, net of tax
  $
86,110
    $
60,826
    $
167,451
    $
106,493
 
                                 
 
7
 
Table of Contents
CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands, except per share data)
                                                         
 
Six Months Ended June 30, 2019
 
 
   
   
   
   
Accumulated
   
   
 
 
Common Stock
   
   
   
Other
   
   
Total
   
 
   
Par
   
   
Retained
   
Comprehensive
   
Treasury
   
Shareholders’
 
 
Shares
   
Value
   
Surplus
   
Earnings
   
Income (Loss)
   
Stock
   
Equity
 
Balance at January 1, 2019
   
105,239,121
    $
263,098
    $
2,134,462
    $
1,013,037
    $
(57,019
)   $
(101,954
)   $
3,251,624
 
Cumulative effect of adopting Accounting Standard Update
2016-02
   
0
     
0
     
0
     
(1,049
)    
0
     
0
     
(1,049
)
Reclass due to adopting Accounting Standard Update
2017-12
   
0
     
0
     
0
     
0
     
50
     
0
     
50
 
Comprehensive income
   
     
     
     
     
     
     
 
Net income
   
0
     
0
     
0
     
63,642
     
0
     
0
     
63,642
 
Other comprehensive income, net of tax