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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 September 30, 2021
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
October
 
3
1, 2021
, the registrant had
129,203,167
 
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
 
  
 
10
 
  
 
11
 
  
 
60
 
  
 
84
 
  
 
86
 
  
  
 
88
 
  
 
88
 
  
 
88
 
  
 
88
 
  
 
89
 
  
 
89
 
  
 
89
 
  
 
90
 
 
2

PART I - FINANCIAL INFORMATION
 
Item 1.
FINANCIAL STATEMENTS (UNAUDITED)
The September 30, 2021 and December 31, 2020, 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, 2021 and 2020, the related consolidated statement of changes in shareholders’ equity for the three and nine months ended September 30, 2021 and 2020, the related condensed consolidated statements of cash flows for the nine months ended September 30, 2021 and 2020, and the notes to consolidated financial statements appear on the following pages.
 
3

CONSOLIDATED BALANCE SHEETS
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except par value)
  
September 30

2021
   
December 31

2020
 
    
(Unaudited)
   
(Note 1)
 
Assets
                
Cash and due from banks
   $ 289,690     $ 297,369  
Interest-bearing deposits with other banks
     3,742,944       1,910,876  
Federal funds sold
     927       823  
    
 
 
   
 
 
 
Total cash and cash equivalents
     4,033,561       2,209,068  
Securities available for sale at estimated fair value (amortized cost-$3,372,304 at September 30, 2021 and $2,868,346 at December 31, 2020, allowance for credit losses of $0 at September 30, 2021 and December 31, 2020)
     3,409,984       2,953,359  
Securities held to maturity, net of allowance for credit losses of $27 at September 30, 2021 and $23 at December 31, 2020 (estimated fair value-$1,020 at September 30, 2021 and $1,235 at December 31, 2020)
     993       1,212  
Equity securities at estimated fair value
     11,984       10,718  
Other investment securities
     223,104       220,895  
Loans held for sale (
measured using the
fair value
 option
-$493,299 at September 30, 2021 and $698,341 at December 31,
2020)
     493,299       718,937  
Loans and leases
     16,771,332       17,622,583  
Less: Unearned income
     (27,703     (31,170
    
 
 
   
 
 
 
Loans and leases, net of unearned income
     16,743,629       17,591,413  
Less: Allowance for loan and lease losses
     (210,891     (235,830
    
 
 
   
 
 
 
Net loans and leases
     16,532,738       17,355,583  
Bank premises and equipment
     171,935       175,824  
Operating lease
right-of-use
assets
     75,593       69,520  
Goodwill
     1,810,040       1,796,848  
Mortgage servicing rights, net of valuation allowance of $1,383 at September 30, 2021 and at December 31, 2020
     22,836       20,955  
Accrued interest receivable, net of allowance for credit losses of $26 at September 30, 2021 and $250 at December 31, 2020
     58,181       66,832  
Other assets
     663,269       584,496  
    
 
 
   
 
 
 
     
TOTAL ASSETS
   $ 27,507,517     $ 26,184,247  
    
 
 
   
 
 
 
     
Liabilities
                
Deposits:
                
Noninterest-bearing
   $ 8,490,191     $ 7,405,260  
Interest-bearing
     13,332,418       13,179,900  
    
 
 
   
 
 
 
Total deposits
     21,822,609       20,585,160  
Borrowings:
                
Securities sold under agreements to repurchase
     123,018       142,300  
Federal Home Loan Bank (“FHLB”) borrowings
     532,782       584,532  
Other long-term borrowings
     281,069       279,837  
Reserve for lending-related commitments
     25,191       19,250  
Operating lease liabilities
     80,518       73,213  
Accrued expenses and other liabilities
     211,564       202,335  
    
 
 
   
 
 
 
     
TOTAL LIABILITIES
     23,076,751       21,886,627  
     
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-134,167,380
and 133,809,374 at September 30, 2021 and December 31, 2020, respectively, including 4,963,606 and 4,620,867 shares in treasury at September 30, 2021 and December 31, 2020, respectively
     335,419       334,523  
Surplus
     2,903,576       2,894,471  
Retained earnings
     1,363,488       1,205,395  
Accumulated other comprehensive
(loss) 
gain
     (1,239     22,370  
Treasury stock, at cost
     (170,478     (159,139
    
 
 
   
 
 
 
TOTAL SHAREHOLDERS’ EQUITY
     4,430,766       4,297,620  
    
 
 
   
 
 
 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
   $ 27,507,517     $ 26,184,247  
    
 
 
   
 
 
 
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
September 30
    
Nine Months Ended
September 30
 
    
2021
   
2020
    
2021
   
2020
 
Interest income
                                 
Interest and fees on loans and leases
   $ 176,695     $ 192,266      $ 548,109     $ 530,431  
Interest on federal funds sold and other short-term investments
     2,548       2,060        6,198       7,893  
Interest and dividends on securities:
                                 
Taxable
     12,999       14,448        40,371       47,658  
Tax-exempt
     1,838       1,495        5,245       3,486  
    
 
 
   
 
 
    
 
 
   
 
 
 
Total interest income
     194,080       210,269        599,923       589,468  
         
Interest expense
                                 
Interest on deposits
     9,803       17,726        32,800       64,452  
Interest on short-term borrowings
     167       172        527       826  
Interest on long-term borrowings
     2,531       6,707        7,540       26,406  
    
 
 
   
 
 
    
 
 
   
 
 
 
Total interest expense
     12,501       24,605        40,867       91,684  
    
 
 
   
 
 
    
 
 
   
 
 
 
Net interest income
     181,579       185,664        559,056       497,784  
Provision for credit losses
     (7,829     16,781        (16,565     89,811  
    
 
 
   
 
 
    
 
 
   
 
 
 
Net interest income after provision for credit losses
     189,408       168,883        575,621       407,973  
         
Other income
                                 
Fees from trust services
     4,269       3,574        12,225       10,318  
Fees from brokerage services
     3,883       3,066        11,860       8,633  
Fees from deposit services
     9,888       9,320        28,180       25,332  
Bankcard fees and merchant discounts
     1,473       1,226        3,905       2,937  
Other service charges, commissions, and fees
     703       715        2,237       1,843  
Income from bank-owned life insurance
     2,556       2,059        5,617       5,738  
Income from mortgage banking activities
     42,012       109,457        144,350       195,301  
Mortgage loan servicing income
     2,429       2,345        7,170       3,879  
Net gain on the sale of bank premises
     0       2,229        0       2,229  
Net investment securities gains
     82       860        2,715       2,566  
Other income
     1,329       617        5,784       1,888  
    
 
 
   
 
 
    
 
 
   
 
 
 
Total other income
     68,624       135,468        224,043       260,664  
         
Other expense
                                 
Employee compensation
     67,459       84,455        208,428       197,660  
Employee benefits
     13,132       13,202        43,052       36,767  
Net occupancy expense
     10,339       10,944        31,381       30,324  
Other real estate owned (“OREO”) expense
     387       1,166        4,384       2,679  
Equipment expense
     7,286       5,616        19,160       14,465  
Data processing expense
     6,612       6,708        20,594       28,140  
Mortgage loan servicing expense and impairment
     3,253       3,301        10,029       5,949  
Bankcard processing expense
     422       450        1,300       1,319  
FDIC insurance expense
     1,920       2,700        5,720       7,882  
FHLB prepayment penalties
     0       10,385        0       10,385  
Other expense
     31,466       32,666        86,106       86,530  
    
 
 
   
 
 
    
 
 
   
 
 
 
Total other expense
     142,276       171,593        430,154       422,100  
    
 
 
   
 
 
    
 
 
   
 
 
 
Income before income taxes
     115,756       132,758        369,510       246,537  
Income taxes
     23,604       28,974        75,624       49,884  
    
 
 
   
 
 
    
 
 
   
 
 
 
Net income
   $ 92,152     $ 103,784      $ 293,886     $ 196,653  
    
 
 
   
 
 
    
 
 
   
 
 
 
 
5

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) – continued
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
(Dollars in thousands, except per share data)
  
Three Months Ended

September 30
    
Nine Months Ended

September 30
 
    
2021
    
2020
    
2021
    
2020
 
Earnings per common share:
                                   
Basic
   $ 0.71      $ 0.80      $ 2.28      $ 1.68  
    
 
 
    
 
 
    
 
 
    
 
 
 
Diluted
   $ 0.71      $ 0.80      $ 2.27      $ 1.68  
    
 
 
    
 
 
    
 
 
    
 
 
 
Average outstanding shares:
                                   
Basic
     128,762,815        129,373,154        128,716,450        116,876,402  
Diluted
     128,960,220        129,454,966        128,934,282        116,944,594  
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
September 30
    
Nine Months Ended
September 30
 
    
2021
   
2020
    
2021
   
2020
 
Net income
   $ 92,152     $ 103,784      $ 293,886     $ 196,653  
Change in net unrealized (loss) gain on
available-for-sale
(“AFS”) securities, net of tax
     (13,777     8,180        (36,305     53,600  
Change in net unrealized gain (loss) on cash flow hedge, net of tax
     1,377       678        10,320       (594
Change in pension plan assets, net of tax
     638       988        2,376       3,213  
    
 
 
   
 
 
    
 
 
   
 
 
 
Comprehensive income, net of tax
   $ 80,390     $ 113,630      $ 270,277     $ 252,872  
    
 
 
   
 
 
    
 
 
   
 
 
 
See notes to consolidated unaudited financial statements
 
7

CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS’ EQUITY
UNITED BANKSHARES, INC. AND SUBSIDIARIES
 
 
(Dollars in thousands, except per share data)
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
Nine Months Ended September 30, 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