10-Q 1 d248949d10q.htm FORM 10-Q Form 10-Q
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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 March 31, 2022
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
Not Applicable
(Former name, former address and former fiscal year, if changed since last report)
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
April 
30
, 2022
, the registrant had
135,292,084
shares of common stock, $2.50 par value per share, outstanding.

UNITED BANKSHARES, INC. AND SUBSIDIARIES
FORM
10-Q
TABLE OF CONTENTS
 
 
  
Page
 
  
  
  
 
4
 
  
 
5
 
  
 
7
 
  
 
8
 
  
 
9
 
  
 
10
 
  
 
56
 
  
 
74
 
  
 
76
 
  
  
 
78
 
  
 
78
 
  
 
78
 
  
 
78
 
  
 
79
 
  
 
79
 
  
 
79
 
  
 
81
 
 
2

PART I - FINANCIAL INFORMATION
 
Item 1.
FINANCIAL STATEMENTS (UNAUDITED)
The March 31, 2022 and December 31, 2021, consolidated balance sheets of United Bankshares, Inc. and Subsidiaries (“United” or the “Company”), consolidated statements of income and comprehensive income for the three months ended March 31, 2022 and 2021, the related consolidated statement of changes in shareholders’ equity for the three months ended March 31, 2022 and 2021, the related condensed consolidated statements of cash flows for the three months ended March 31, 2022 and 2021, and the notes to consolidated financial statements appear on the following pages.
 
3

CONSOLIDATED BALANCE SHEETS (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except par value)
  
March 31

2022
 
 
December 31
2021
 
Assets
  
 
Cash and due from banks
   $ 382,592     $ 282,878  
Interest-bearing deposits with other banks
     2,419,456       3,474,365  
Federal funds sold
     1,045       927  
    
 
 
   
 
 
 
Total cash and cash equivalents
     2,803,093       3,758,170  
Securities available for sale at estimated fair value (amortized cost-$4,951,963 at March 31, 2022 and $4,031,494 at December 31, 2021, allowance for credit losses of $0 at March 31, 2022 and December 31, 2021)
     4,760,934       4,042,699  
Securities held to maturity, net of allowance for credit losses of $19 at March 31, 2022 and December 31, 2021 (estimated fair value-$1,020 at March 31, 2022 and December 31, 2021)
     1,001       1,001  
Equity securities at estimated fair value
     12,357       12,404  
Other investment securities
     246,420       239,645  
Loans held for sale measured using fair value option
     340,040       504,416  
Loans and leases
     18,419,280       18,051,307  
Less: Unearned income
     (27,194     (27,659
    
 
 
   
 
 
 
Loans and leases, net of unearned income
     18,392,086       18,023,648  
Less: Allowance for loan and lease losses
     (214,594     (216,016
    
 
 
   
 
 
 
Net loans and leases
     18,177,492       17,807,632  
Bank premises and equipment
     200,167       197,220  
Operating lease
right-of-use
assets
     77,097       81,942  
Goodwill
     1,889,244       1,886,494  
Mortgage servicing rights, net of valuation allowance of $0 at March 31, 2022 and $883 at December 31, 2021
     23,089       23,144  
Bank-owned life insurance (“BOLI”)
     479,064       478,067  
Accrued interest receivable, net of allowance for credit losses of $0 at March 31, 2022 and $8 at December 31, 2021
     66,528       64,512  
Other assets
     288,985       231,556  
    
 
 
   
 
 
 
TOTAL ASSETS
   $ 29,365,511     $ 29,328,902  
    
 
 
   
 
 
 
Liabilities
                
Deposits:
                
Noninterest-bearing
   $ 9,006,961     $ 8,980,547  
Interest-bearing
     14,467,340       14,369,716  
    
 
 
   
 
 
 
Total deposits
     23,474,301       23,350,263  
Borrowings:
                
Securities sold under agreements to repurchase
     136,370       128,844  
Federal Home Loan Bank (“FHLB”) borrowings
     531,615       532,199  
Other long-term borrowings
     285,620       285,195  
Reserve for lending-related commitments
     36,679       31,442  
Operating lease liabilities
     81,678       86,703  
Accrued expenses and other liabilities
     224,108       195,628  
    
 
 
   
 
 
 
TOTAL LIABILITIES
     24,770,371       24,610,274  
     
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-141,783,032
and 141,360,266 at March 31, 2022 and December 31, 2021, respectively, including 5,714,593 and 4,967,508 shares in treasury at March 31, 2022 and December 31, 2021, respectively
     354,458       353,402  
Surplus
     3,156,101       3,149,955  
Retained earnings
     1,423,175       1,390,777  
Accumulated other comprehensive loss
     (141,692     (4,888
Treasury stock, at cost
     (196,902     (170,618
    
 
 
   
 
 
 
TOTAL SHAREHOLDERS’ EQUITY
     4,595,140       4,718,628  
    
 
 
   
 
 
 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
   $ 29,365,511     $ 29,328,902  
    
 
 
   
 
 
 
See notes to consolidated unaudited financial statements
 
4

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except per share data)
  
Three Months Ended March 31
 
 
  
2022
 
 
2021
 
Interest income
  
 
Interest and fees on loans
   $ 180,837     $ 188,673  
Interest on federal funds sold and other short-term investments
     2,329       1,893  
Interest and dividends on securities:
                
Taxable
     17,505       13,526  
Tax-exempt
     2,124       1,565  
    
 
 
   
 
 
 
Total interest income
     202,795       205,657  
Interest expense
                
Interest on deposits
     8,561       11,985  
Interest on short-term borrowings
     181       178  
Interest on long-term borrowings
     2,551       2,534  
    
 
 
   
 
 
 
Total interest expense
     11,293       14,697  
    
 
 
   
 
 
 
Net interest income
     191,502       190,960  
Provision for credit losses
     (3,410     143  
    
 
 
   
 
 
 
Net interest income after provision for credit losses
     194,912       190,817  
Other income
                
Fees from trust services
     4,127       3,763  
Fees from brokerage services
     4,552       4,323  
Fees from deposit services
     10,148       8,896  
Bankcard fees and merchant discounts
     1,379       1,064  
Other service charges, commissions, and fees
     759       759  
Income from bank-owned life insurance
     2,194       1,403  
Income from mortgage banking activities
     19,203       65,395  
Mortgage loan servicing income
     2,387       2,355  
Net investment securities (losses) gains
     (251     2,609  
Other income
     1,525       2,006  
    
 
 
   
 
 
 
Total other income
     46,023       92,573  
Other expense
                
Employee compensation
     62,621       72,412  
Employee benefits
     12,851       15,450  
Net occupancy expense
     11,187       10,941  
Other real estate owned (“OREO”) expense
     147       3,625  
Equipment expense
     7,335       6,044  
Data processing expense
     7,371       7,026  
Mortgage loan servicing expense and impairment
     1,643       3,177  
Bankcard processing expense
     424       400  
FDIC insurance expense
     2,673       2,000  
Other expense
     32,921       27,852  
    
 
 
   
 
 
 
Total other expense
     139,173       148,927  
    
 
 
   
 
 
 
Income before income taxes
     101,762       134,463  
Income taxes
     20,098       27,565  
    
 
 
   
 
 
 
Net income
   $ 81,664     $ 106,898  
    
 
 
   
 
 
 
 
5

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - continued
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except per share data)
  
Three Months Ended March 31
 
 
  
2022
 
  
2021
 
Earnings per common share:
  
  
Basic
  
$
0.60
 
  
$
0.83
 
  
 
 
 
  
 
 
 
Diluted
  
$
0.60
 
  
$
0.83
 
  
 
 
 
  
 
 
 
Average outstanding shares:
  
  
Basic
  
 
136,058,328
 
  
 
128,635,740
 
Diluted
  
 
136,435,229
 
  
 
128,890,861
 
See notes to consolidated unaudited financial statements
 
6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands)
  
Three Months Ended
March 31
 
 
  
2022
 
 
2021
 
Net income
   $ 81,664     $ 106,898  
Change in net unrealized loss on available for sale
(“
AFS
”)
securities, net of tax
     (155,113     (36,365
Change in net unrealized gain on cash flow hedge, net of tax
     17,668       14,987  
Change in defined benefit pension plan, net of tax
     641       869  
    
 
 
   
 
 
 
Comprehensive (loss) income, net of tax
   $ (55,140   $ 86,389  
    
 
 
   
 
 
 
See notes to consolidated unaudited financial statements
 
7

CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except per share data)
 
  
 
 
  
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
  
Three Months Ended March 31, 2022
 
 
  
Common Stock
 
  
Surplus
 
  
Retained
Earnings
 
 
Accumulated
Other

Comprehensive
(Loss) Income
 
 
Treasury
Stock
 
 
Total

Shareholders’
Equity
 
 
  
Shares
 
  
Par

Value
 
 
Balance at January 1, 2022
     141,360,266      $ 353,402      $ 3,149,955     $ 1,390,777     $ (4,888   $ (170,618   $ 4,718,628  
Comprehensive income:
                                                          
Net income
     0        0        0       81,664       0       0       81,664  
Other comprehensive
loss
, net of tax
     0        0        0       0       (136,804     0       (136,804
                                                      
 
 
 
Total comprehensive
loss
, net of tax
                                                       (55,140
Stock based compensation expense
     0        0        2,061       0       0       0       2,061  
Stock grant forfeiture (6,212 shares)
     0        0        223       0       0       (223     0  
Purchase of treasury stock (740,873 shares)
     0        0        0       0       0       (26,061     (26,061
Cash dividends ($0.36 per share)
     0        0        0       (49,266     0       0       (49,266
Net issuance of common stock under stock-based
compensation plans 
(422,766 shares)
     422,766        1,056        3,862       0       0       0       4,918  
    
 
 
    
 
 
    
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
Balance at March 31, 2022
     141,783,032      $ 354,458      $ 3,156,101     $ 1,423,175     $ (141,692   $ (196,902   $ 4,595,140  
    
 
 
    
 
 
    
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
  
Three Months Ended March 31, 2021
 
 
  
Common Stock
 
  
Surplus
 
  
Retained

Earnings
 
 
Accumulated
Other
Comprehensive
Income (Loss)
 
 
Treasury

Stock
 
 
Total

Shareholders’

Equity
 
 
  
Shares
 
  
Par

Value
 
 
Balance at January 1, 2021
     133,809,374      $ 334,523      $ 2,894,471     $ 1,205,395     $ 22,370     $ (159,139   $ 4,297,620  
Comprehensive income:
                                                          
Net income
     0        0        0       106,898       0       0       106,898  
Other comprehensive income, net of tax
     0        0        0       0       (20,509     0       (20,509
                                                      
 
 
 
Total comprehensive income, net of tax
                                                       86,389  
Stock based compensation expense
     0        0        1,688       0       0       0       1,688  
Purchase of treasury stock (339,229 shares)
     0        0        0       0       0       (11,210     (11,210
Cash dividends ($0.35 per share)
     0        0        0       (45,254     0       0       (45,254
Net issuance of common stock under stock-based
compensation plans 
(326,522 shares)
     326,522        817        2,648       0       0       0       3,465  
    
 
 
    
 
 
    
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
Balance at March 31, 2021
     134,135,896      $ 335,340      $ 2,898,807     $ 1,267,039     $ 1,861     $ (170,349   $ 4,332,698  
    
 
 
    
 
 
    
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
See notes to consolidated unaudited financial statements
 
8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands)
            
    
Three Months Ended
March 31
 
    
2022
   
2021
 
NET CASH PROVIDED BY OPERATING ACTIVITIES
   $ 283,607     $ 80,584  
     
INVESTING ACTIVITIES
                
Proceeds from maturities and calls of securities held to maturity
     0       215  
Proceeds from sales of securities available for sale
     150       39,182  
Proceeds from maturities and calls of securities available for sale
     151,477       230,347  
Purchases of securities available for sale
     (1,077,461     (536,570
Proceeds from sales of equity securities
     149       852  
Purchases of equity securities
     (353     (478
Proceeds from sales and redemptions of other investment securities
     1,295       7,178  
Purchases of other investment securities
     (11,591     (8,208
Redemption of bank-owned life insurance policies
     778       0  
Purchases of bank premises and equipment
     (3,509     (2,734
Proceeds from sales of bank premises and equipment
     557       2  
Proceeds from the sales of OREO properties
     1,325       1,262  
Net change in loans and leases
     (366,414     229,967  
    
 
 
   
 
 
 
NET CASH USED IN INVESTING ACTIVITIES
     (1,303,597     (38,985
    
 
 
   
 
 
 
FINANCING ACTIVITIES
                
Cash dividends paid
     (46,655     (45,447
Acquisition of treasury stock
     (26,061     (11,210
Proceeds from exercise of stock options
     5,027       3,465  
Repayment of long-term Federal Home Loan Bank borrowings
     (0     (550,000
Proceeds from issuance of long-term Federal Home Loan Bank borrowings
     0       500,000  
Changes in:
                
Deposits
     125,076       812,763  
Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings
     7,526