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Section 1: 10-Q (10-Q)

10-Q
falseus-gaap:AccountingStandardsUpdate201613Member30 days89 daysP4MQ3--12-31UNITED BANKSHARES INC/WV0000729986This program allows for a deferral of payments from the period beginning March 1, 2020 until the earlier of December 31, 2020 or the date that is 60 days after the date on which the national emergency concerning the COVID-19 outbreak declared by President Trump terminates. As provided for under the CARES Act, these loan modifications are exempt by law from classification as a TDR as defined by GAAP.The equity mutual funds are within a rabbi trust for the payment of benefits under a deferred compensation plan for certain key officers of United and its subsidiaries. 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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 September 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
October
 31, 2020
, the registrant had
129,762,348
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.
 
  
 
63
 
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 September 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 nine months ended September 30, 2020 and 2019, the related consolidated statement of changes in shareholders’ equity for the three and nine months ended September 30, 2020 and 2019, the related condensed consolidated statements of cash flows for the nine months ended September 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)
 
 
  
September 30
 
 
December 31
 
 
  
2020
 
 
2019
 
 
  
(Unaudited)
 
 
(Note 1)
 
Assets
  
 
Cash and due from banks
  
$
277,232
 
 
$
185,238
 
Interest-bearing deposits with other banks
  
 
1,378,478
 
 
 
651,435
 
Federal funds sold
  
 
823
 
 
 
820
 
  
 
 
   
 
 
 
Total cash and cash equivalents
  
 
1,656,533
 
 
 
837,493
 
Securities available for sale at estimated fair value (amortized cost-$2,697,548 at September 30, 2020 and $2,426,924 at December 31, 2019, allowance for credit losses of $
0
at September 30, 2020)
  
 
2,777,802
 
 
 
2,437,296
 
Securities held to maturity, net of allowance for credit losses of $
21
at September 30, 2020 (estimated fair value-$1,213 at September 30, 2020 and $1,447 at December 31, 2019)
  
 
1,214
 
 
 
1,446
 
Equity securities at estimated fair value
  
 
10,255
 
 
 
8,894
 
Other investment securities
  
 
217,992
 
 
 
222,161
 
Loans held for sale (at fair value-$784,457 at September 30, 2020 and $384,375 at December 31, 2019)
  
 
812,084
 
 
 
387,514
 
Loans and leases
  
 
17,967,520
 
 
 
13,713,548
 
Less: Unearned income
  
 
(37,289
 
 
(1,419
  
 
 
   
 
 
 
Loans and leases, net of unearned income
  
 
17,930,231
 
 
 
13,712,129
 
Less: Allowance for loan and lease losses
  
 
(225,812
 
 
(77,057
  
 
 
   
 
 
 
Net loans and leases
  
 
17,704,419
 
 
 
13,635,072
 
Bank premises and equipment
  
 
180,456
 
 
 
96,644
 
Operating lease
 
right-of-use
 
assets
  
 
72,789
 
 
 
57,783
 
Goodwill
  
 
1,794,886
 
 
 
1,478,014
 
Mortgage servicing rights, net of valuation allowance
  
 
20,413
 
 
 
0
 
Accrued interest receivable, net of allowance for credit losses of $435 at September 30, 2020
  
 
65,141
 
 
 
58,085
 
Other assets
  
 
617,324
 
 
 
441,922
 
  
 
 
   
 
 
 
TOTAL ASSETS
  
$
25,931,308
 
 
$
19,662,324
 
  
 
 
   
 
 
 
Liabilities
  
 
Deposits:
  
 
Noninterest-bearing
  
$
7,304,747
 
 
$
4,621,362
 
Interest-bearing
  
 
12,946,792
 
 
 
9,231,059
 
  
 
 
   
 
 
 
Total deposits
  
 
20,251,539
 
 
 
13,852,421
 
Borrowings:
  
 
Securities sold under agreements to repurchase
  
 
148,357
 
 
 
124,654
 
Federal Home Loan Bank (“FHLB”) borrowings
  
 
645,249
 
 
 
1,851,865
 
Other long-term borrowings
  
 
279,425
 
 
 
236,164
 
Reserve for lending-related commitments
  
 
15,960
 
 
 
1,733
 
Operating lease liabilities
  
 
76,604
 
 
 
61,342
 
Accrued expenses and other liabilities
  
 
246,733
 
 
 
170,312
 
  
 
 
   
 
 
 
TOTAL LIABILITIES
  
 
21,663,867
 
 
 
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-133,723,210
 
and 105,494,290 at September 30, 2020 and December 31, 2019, respectively, including 3,960,862 and 3,940,619 shares in treasury at September 30, 2020 and December 31, 2019, respectively
  
 
334,308
 
 
 
263,736
 
Surplus
  
 
2,891,746
 
 
 
2,140,175
 
Retained earnings
  
 
1,158,467
 
 
 
1,132,579
 
Accumulated other comprehensive gain (loss)
  
 
21,350
 
 
 
(34,869
Treasury stock, at cost
  
 
(138,430
 
 
(137,788
  
 
 
   
 
 
 
TOTAL SHAREHOLDERS’ EQUITY
  
 
4,267,441
 
 
 
3,363,833
 
  
 
 
   
 
 
 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
  
$
25,931,308
 
 
$
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
 
  
Nine Months Ended
 
 
  
September 30
 
  
September 30
 
 
  
2020
 
  
2019
 
  
2020
 
  
2019
 
Interest income
  
  
  
  
Interest and fees on loans and leases
  
$
192,266
 
  
$
165,149
 
  
$
530,431
 
  
$
505,150
 
Interest on federal funds sold and other short-term investments
  
 
2,060
 
  
 
6,236
 
  
 
7,893
 
  
 
17,478
 
Interest and dividends on securities:
  
  
  
  
Taxable
  
 
14,448
 
  
 
18,168
 
  
 
47,658
 
  
 
53,279
 
Tax-exempt
  
 
1,495
 
  
 
798
 
  
 
3,486
 
  
 
2,786
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total interest income
  
 
210,269
 
  
 
190,351
 
  
 
589,468
 
  
 
578,693
 
Interest expense
  
  
  
  
Interest on deposits
  
 
17,726
 
  
 
36,368
 
  
 
64,452
 
  
 
104,461
 
Interest on short-term borrowings
  
 
172
 
  
 
539
 
  
 
826
 
  
 
1,838
 
Interest on long-term borrowings
  
 
6,707
 
  
 
11,526
 
  
 
26,406
 
  
 
35,755
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total interest expense
  
 
24,605
 
  
 
48,433
 
  
 
91,684
 
  
 
142,054
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Net interest income
  
 
185,664
 
  
 
141,918
 
  
 
497,784
 
  
 
436,639
 
Provision for credit losses
  
 
16,781
 
  
 
5,033
 
  
 
89,811
 
  
 
15,446
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Net interest income after provision for credit losses
  
 
168,883
 
  
 
136,885
 
  
 
407,973
 
  
 
421,193
 
Other income
  
  
  
  
Fees from trust services
  
 
3,574
 
  
 
3,574
 
  
 
10,318
 
  
 
10,276
 
Fees from brokerage services
  
 
3,066
 
  
 
2,378
 
  
 
8,633
 
  
 
7,668
 
Fees from deposit services
  
 
9,320
 
  
 
8,702
 
  
 
25,332
 
  
 
25,219
 
Bankcard fees and merchant discounts
  
 
1,226
 
  
 
1,262
 
  
 
2,937
 
  
 
3,520
 
Other service charges, commissions, and fees
  
 
715
 
  
 
568
 
  
 
1,843
 
  
 
1,665
 
Income from bank-owned life insurance
  
 
2,059
 
  
 
1,280
 
  
 
5,738
 
  
 
4,433
 
Income from mortgage banking activities
  
 
109,457
 
  
 
24,019
 
  
 
195,301
 
  
 
59,404
 
Mortgage loan servicing income
  
 
2,345
 
  
 
0
 
  
 
3,879
 
  
 
0
 
Net gain on the sale of bank premises
  
 
2,229
 
  
 
0
 
  
 
2,229
 
  
 
0
 
Net investment securities gains
  
 
860
 
  
 
116
 
  
 
2,566
 
  
 
66
 
Other income
  
 
617
 
  
 
325
 
  
 
1,888
 
  
 
991
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total other income
  
 
135,468
 
  
 
42,224
 
  
 
260,664
 
  
 
113,242
 
Other expense
  
  
  
  
Employee compensation
  
 
84,455
 
  
 
46,313
 
  
 
197,660
 
  
 
129,563
 
Employee benefits
  
 
13,202
 
  
 
8,615
 
  
 
36,767
 
  
 
26,624
 
Net occupancy expense
  
 
10,944
 
  
 
8,698
 
  
 
30,324
 
  
 
26,116
 
Other real estate owned (“OREO”) expense
  
 
1,166
 
  
 
1,837
 
  
 
2,679
 
  
 
3,886
 
Equipment expense
  
 
5,616
 
  
 
3,698
 
  
 
14,465
 
  
 
10,688
 
Data processing expense
  
 
6,708
 
  
 
5,776
 
  
 
28,140
 
  
 
16,505
 
Mortgage loan servicing expense and impairment
  
 
3,301
 
  
 
107
 
  
 
5,949
 
  
 
304
 
Bankcard processing expense
  
 
450
 
  
 
474
 
  
 
1,319
 
  
 
1,402
 
FDIC insurance expense
  
 
2,700
 
  
 
465
 
  
 
7,882
 
  
 
7,065
 
FHLB prepayment penalties
  
 
10,385
 
  
 
0
 
  
 
10,385
 
  
 
5,105
 
Other expense
  
 
32,666
 
  
 
20,151
 
  
 
86,530
 
  
 
58,496
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Total other expense
  
 
171,593
 
  
 
96,134
 
  
 
422,100
 
  
 
285,754
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Income before income taxes
  
 
132,758
 
  
 
82,975
 
  
 
246,537
 
  
 
248,681
 
Income taxes
  
 
28,974
 
  
 
17,010
 
  
 
49,884
 
  
 
51,867
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Net income
  
$
103,784
 
  
$
65,965
 
  
$
196,653
 
  
$
196,814
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Earnings per common share:
  
  
  
  
Basic
  
$
0.80
 
  
$
0.65
 
  
$
1.68
 
  
$
1.93
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Diluted
  
$
0.80
 
  
$
0.65
 
  
$
1.68
 
  
$
1.93
 
  
 
 
    
 
 
    
 
 
    
 
 
 
Average outstanding shares:
  
  
  
  
Basic
  
 
129,373,154
 
  
 
101,432,243
 
  
 
116,876,402
 
  
 
101,698,530
 
Diluted
  
 
129,454,966
 
  
 
101,711,740
 
  
 
116,944,594
 
  
 
101,967,135
 
See notes to consolidated unaudited financial statements
 
5

Table of Contents
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands)
 
                                 
 
  
Three Months Ended
 
  
Nine Months Ended
 
 
  
September 30
 
  
September 30
 
 
  
2020
 
  
2019
 
  
2020
 
 
2019
 
Net income
  
$
103,784
 
  
$
65,965
 
  
$
196,653
 
 
$
196,814
 
Change in net unrealized gain on
available-for-sale
(“AFS”) securities, net of tax
  
 
8,180
 
  
 
3,637
 
  
 
53,600
 
 
 
38,420
 
Change in net unrealized gain (loss) on cash flow hedge, net of tax
  
 
678
 
  
 
0
 
  
 
(594
 
 
0
 
Change in pension plan assets, net of tax
  
 
988
 
  
 
949
 
  
 
3,213
 
 
 
2,768
 
  
 
 
    
 
 
    
 
 
   
 
 
 
Comprehensive income, net of tax
  
$
113,630
 
  
$
70,551
 
  
$
252,872
 
 
$
238,002
 
  
 
 
    
 
 
    
 
 
   
 
 
 
See notes to consolidated unaudited financial statements
 
6

Table of Contents
 
CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY
UNITED BANKSHARES, INC. AND SUBSIDIARIES
(Dollars in thousands, except per share data)
 
 
  
Nine Months Ended September 30, 2020
 
 
  
 
 
  
 
 
  
 
 
 
 
 
 
Accumulated
 
 
 
 
 
 
 
 
  
Common Stock
 
  
 
 
 
 
 
 
Other
 
 
 
 
 
Total