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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, 2020
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
, 2020
, the registrant had
129,755,424
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
 
   
  
 
6
 
   
  
 
7
 
   
  
 
9
 
   
  
 
10
 
     
Item 2.
 
  
 
62
 
     
Item 3.
 
  
 
90
 
     
Item 4.
 
  
 
93
 
   
  
     
     
Item 1.
 
  
 
94
 
     
Item 1A.
 
  
 
94
 
     
Item 2.
 
  
 
97
 
     
Item 3.
 
  
 
97
 
     
Item 4.
 
  
 
97
 
     
Item 5.
 
  
 
97
 
     
Item 6.
 
  
 
98
 
   
  
 
99
 
 
2

Table of Contents
PART I - FINANCIAL INFORMATION
 
Item 1.
FINANCIAL STATEMENTS (UNAUDITED)
The June 30, 2020 and December 31, 2019, 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, 2020 and 2019, the related consolidated statement of changes in shareholders’ equity for the three and six months ended June 30, 2020 and 2019, the related condensed consolidated statements of cash flows for the six months ended June 30, 2020 and 2019, 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
   
December 31
 
 
  
2020
 
 
2019
 
 
  
(Unaudited)
 
 
(Note 1)
 
Assets
  
 
Cash and due from banks
  
$
274,293
 
 
$
185,238
 
Interest-bearing deposits with other banks
  
 
1,787,697
 
 
 
651,435
 
Federal funds sold
  
 
823
 
 
 
820
 
  
 
 
 
 
 
 
 
Total cash and cash equivalents
  
 
2,062,813
 
 
 
837,493
 
Securities available for sale at estimated fair value (amortized cost-$2,730,350
at June 30, 2020 and $2,426,924
at December 31, 2019, allowance for credit losses of $0 at June 30, 2020)
  
 
2,799,941
 
 
 
2,437,296
 
Securities held to maturity, net of allowance for credit losses of $14 at June 30, 2020 (estimated fair value-$1,220
at June 30, 2020 and $1,447
at December 31, 2019)
  
 
1,221
 
 
 
1,446
 
Equity securities at estimated fair value
  
 
9,875
 
 
 
8,894
 
Other investment securities
  
 
251,161
 
 
 
222,161
 
Loans held for sale (at fair value-$611,277
at June 30, 2020 and
 
$384,375
at December 31, 2019)
  
 
625,984
 
 
 
387,514
 
Loans and leases
  
 
18,032,554
 
 
 
13,713,548
 
Less: Unearned income
  
 
(40,152
 
 
(1,419
  
 
 
   
 
 
 
Loans and leases, net of unearned income
  
 
17,992,402
 
 
 
13,712,129
 
Less: Allowance for loan and lease losses
  
 
(215,121
 
 
(77,057
  
 
 
   
 
 
 
Net loans and leases
  
 
17,777,281
 
 
 
13,635,072
 
Bank premises and equipment
  
 
181,238
 
 
 
96,644
 
Operating lease
right-of-use
assets
  
 
70,655
 
 
 
57,783
 
Goodwill
  
 
1,794,779
 
 
 
1,478,014
 
Mortgage servicing rights, net of valuation allowance
  
 
20,200
 
 
 
0
 
Accrued interest receivable
  
 
67,761
 
 
 
58,085
 
Other assets
  
 
572,064
 
 
 
441,922
 
  
 
 
   
 
 
 
TOTAL ASSETS
  
$
26,234,973
 
 
$
19,662,324
 
  
 
 
   
 
 
 
Liabilities
  
 
Deposits:
  
 
Noninterest-bearing
  
$
7,096,574
 
 
$
4,621,362
 
Interest-bearing
  
 
12,797,269
 
 
 
9,231,059
 
  
 
 
   
 
 
 
Total deposits
  
 
19,893,843
 
 
 
13,852,421
 
Borrowings:
  
 
Securities sold under agreements to repurchase
  
 
176,168
 
 
 
124,654
 
Federal Home Loan Bank (“FHLB”)borrowings
  
 
1,354,879
 
 
 
1,851,865
 
Other long-term borrowings
  
 
279,012
 
 
 
236,164
 
Reserve for lending-related commitments
  
 
11,946
 
 
 
1,733
 
Operating lease liabilities
  
 
74,435
 
 
 
61,342
 
Accrued expenses and other liabilities
  
 
246,835
 
 
 
170,312
 
  
 
 
   
 
 
 
TOTAL LIABILITIES
  
 
22,037,118
 
 
 
16,298,491
 
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-133,716,280
and 105,494,290
at June 30, 2020 and December 31, 2019, respectively, including 3,960,885
and 3,940,619
shares in treasury at June 30, 2020 and December 31, 2019, respectively
  
 
334,291
 
 
 
263,736
 
Surplus
  
 
2,890,394
 
 
 
2,140,175
 
Retained earnings
  
 
1,100,097
 
 
 
1,132,579
 
Accumulated other comprehensive gain (loss)
  
 
11,504
 
 
 
(34,869
Treasury stock, at cost
  
 
(138,431
 
 
(137,788
  
 
 
   
 
 
 
TOTAL SHAREHOLDERS’ EQUITY
  
 
4,197,855
 
 
 
3,363,833
 
  
 
 
   
 
 
 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
  
$
26,234,973
 
 
$
19,662,324
 
  
 
 
   
 
 
 
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
 
  
Six Months Ended
 
 
  
June 30
 
  
June 30
 
 
  
2020
 
  
2019
 
  
2020
 
  
2019
 
Interest income
  
  
  
  
Interest and fees on loans
  
$
179,311
 
  
$
175,130
 
  
$
338,165
 
  
$
340,001
 
Interest on federal funds sold and other short-term investments
  
 
1,868
 
  
 
5,405
 
  
 
5,833
 
  
 
11,242
 
Interest and dividends on securities:
  
  
  
  
Taxable
  
 
16,241
 
  
 
17,748
 
  
 
33,210
 
  
 
35,111
 
Tax-exempt
  
 
1,297
 
  
 
962
 
  
 
1,991
 
  
 
1,988
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total interest income
  
 
198,717
 
  
 
199,245
 
  
 
379,199
 
  
 
388,342
 
         
Interest expense
  
  
  
  
Interest on deposits
  
 
19,249
 
  
 
35,455
 
  
 
46,726
 
  
 
68,093
 
Interest on short-term borrowings
  
 
196
 
  
 
608
 
  
 
654
 
  
 
1,299
 
Interest on long-term borrowings
  
 
8,670
 
  
 
12,629
 
  
 
19,699
 
  
 
24,229
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total interest expense
  
 
28,115
 
  
 
48,692
 
  
 
67,079
 
  
 
93,621
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Net interest income
  
 
170,602
 
  
 
150,553
 
  
 
312,120
 
  
 
294,721
 
Provision for credit losses
  
 
45,911
 
  
 
5,417
 
  
 
73,030
 
  
 
10,413
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Net interest income after provision for credit losses
  
 
124,691
 
  
 
145,136
 
  
 
239,090
 
  
 
284,308
 
         
Other income
  
  
  
  
Fees from trust services
  
 
3,261
 
  
 
3,438
 
  
 
6,744
 
  
 
6,702
 
Fees from brokerage services
  
 
2,651
 
  
 
2,766
 
  
 
5,567
 
  
 
5,290
 
Fees from deposit services
  
 
8,055
 
  
 
8,464
 
  
 
16,012
 
  
 
16,517
 
Bankcard fees and merchant discounts
  
 
718
 
  
 
1,102
 
  
 
1,711
 
  
 
2,258
 
Other service charges, commissions, and fees
  
 
610
 
  
 
576
 
  
 
1,128
 
  
 
1,097
 
Income from bank-owned life insurance
  
 
1,291
 
  
 
1,326
 
  
 
3,679
 
  
 
3,153
 
Income from mortgage banking activities
  
 
68,213
 
  
 
21,704
 
  
 
85,844
 
  
 
35,385
 
Mortgage loan servicing income
  
 
1,534