United Bankshares, Inc. - Investor Relations

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	2009 Y	2010 Y	2011 Y	2012 Y
Period Ended	12/31/2009	12/31/2010	12/31/2011	12/31/2012
Assets ($000)
Cash and Due from Banks	134,605	115,352	128,627	157,539
Fed Funds Sold	717	718	1,009	1,021
Deposits at Financial Institutions	314,445	345,319	506,367	273,517
Securities Purchased, to Resell	0	0	0	0
Other Cash & Cash Equivalents	0	0	0	0
Cash and Cash Equivalents	449,767	461,389	636,003	432,077
Trading Account Securities	0	0	0	0
Available for Sale Securities	811,777	653,276	696,518	625,625
Held to Maturity Securities	77,421	67,036	59,289	43,467
Other Securities	77,722	80,889	75,077	67,126
Total Cash & Securities	1,416,687	1,262,590	1,466,887	1,168,295

Liabilities ($000)
Total Deposits	5,971,100	5,713,534	6,819,010	6,752,986
FHLB Borrowings	587,213	202,181	141,809	186,411
Senior Debt	810,157	395,395	396,575	401,373
Trust Preferred (FAS 150)	184,722	184,277	203,557	198,515
Total Subordinated Debt	184,722	184,277	203,557	198,515
Redeemable Financial Instruments (FAS 150)	0	0	0	0
Total Debt	994,879	579,672	600,132	599,888
Memo: Consolidated VIE Liabilities	NA	NA	0	0
Total Other Liabilities	77,572	69,501	63,484	74,888
Total Liabilities	7,043,551	6,362,707	7,482,626	7,427,762

Mezzanine ($000)
Redeemable Preferred	0	0	0	0
Trust Preferred Securities	0	0	0	0
Total Minority Interest	0	0	0	0
Other Mezzanine Items	0	0	0	0
Total Mezzanine Level Items	0	0	0	0

Equity ($000)
TARP Preferred Equity	0	0	0	0
Other Preferred Equity	0	0	0	0
Total Preferred Equity	0	0	0	0
Common Equity	761,550	793,012	968,844	992,251
Equity Attributable to Parent Company	761,550	793,012	968,844	992,251
Noncontrolling Interests	0	0	0	0
Total Equity	761,550	793,012	968,844	992,251
Net Unrealized Gain	(44,716)	(42,517)	(36,692)	(29,759)

Balance Sheet Analysis (%)
Gross Loans HFI / Total Assets	73.50	73.51	73.72	77.33
Loans / Deposits	96.08	92.07	91.37	96.42
Loan Loss Reserves / Gross Loans	1.18	1.39	1.18	1.13
Reserves / Loans Held For Investment	1.18	1.39	1.19	1.13
One Year Gap / Assets	NA	NA	NA	NA
1-4 Loans Serviced for Others ($000)	0	0	0	0
Level 1 Assets ($000)	6,224	6,829	4,431	3,807
Level 2 Assets ($000)	807,676	653,345	728,213	658,107
Level 3 Assets ($000)	79,644	67,954	63,210	66,547
Level 1 Liabilities ($000)	0	0	0	0
Level 2 Liabilities ($000)	12,849	5,941	5,050	4,281
Level 3 Liabilities ($000)	0	0	0	0
FTE Employees (actual)	1,477	1,451	1,619	1,529

Annualized Growth Rates (%)
Asset Growth	(3.67)	(8.32)	18.11	(0.37)
Gross Loans HFI Growth	(4.61)	(8.31)	18.45	4.50
Deposit Growth	5.72	(4.31)	19.35	(0.97)

Average Balances ($000)
Avg Gross Loans HFI	5,883,995	5,467,927	5,718,639	6,314,146
Avg Loans HFS	4,905	3,370	2,871	8,594
Average Loans, Gross of Reserves	5,888,900	5,471,297	5,721,510	6,322,740
Avg Securities	1,157,799	898,581	808,640	764,143
Avg Other Int Earn Assets	174,319	407,908	442,282	439,481
Avg Secs & Other Int Earn Assets	1,332,118	1,306,489	1,250,922	1,203,624
Avg Interest Earning Assets	7,221,018	6,777,786	6,972,432	7,526,364
Avg Assets	7,925,506	7,533,974	7,780,836	8,399,513


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