United Bankshares Inc
NASDAQ:UBSI
Income Statement
Income Statement
United Bankshares Inc
| Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
192
|
197
|
204
|
194
|
200
|
191
|
180
|
177
|
184
|
190
|
199
|
204
|
208
|
212
|
217
|
221
|
223
|
225
|
223
|
220
|
217
|
215
|
219
|
225
|
235
|
245
|
250
|
253
|
251
|
250
|
248
|
246
|
245
|
243
|
241
|
238
|
237
|
236
|
247
|
261
|
270
|
281
|
280
|
278
|
276
|
273
|
270
|
270
|
288
|
316
|
344
|
376
|
385
|
387
|
388
|
384
|
388
|
395
|
409
|
425
|
435
|
468
|
507
|
549
|
585
|
598
|
597
|
589
|
589
|
590
|
583
|
578
|
575
|
595
|
639
|
690
|
739
|
755
|
751
|
743
|
743
|
772
|
831
|
896
|
939
|
952
|
940
|
920
|
908
|
906
|
908
|
911
|
949
|
997
|
1 047
|
1 102
|
|
| Interest Income |
354
|
347
|
343
|
324
|
326
|
307
|
285
|
273
|
272
|
277
|
287
|
293
|
302
|
313
|
328
|
345
|
362
|
380
|
393
|
401
|
406
|
407
|
422
|
439
|
452
|
456
|
446
|
430
|
411
|
397
|
381
|
366
|
355
|
345
|
334
|
323
|
313
|
303
|
308
|
317
|
324
|
333
|
330
|
324
|
318
|
313
|
308
|
306
|
325
|
354
|
385
|
419
|
428
|
429
|
428
|
424
|
428
|
435
|
452
|
470
|
483
|
524
|
573
|
624
|
670
|
693
|
707
|
718
|
740
|
761
|
766
|
763
|
754
|
754
|
773
|
798
|
824
|
825
|
809
|
795
|
792
|
820
|
890
|
1 002
|
1 129
|
1 247
|
1 340
|
1 401
|
1 441
|
1 469
|
1 495
|
1 502
|
1 537
|
1 584
|
1 632
|
1 686
|
|
| Interest Expense |
162
|
150
|
139
|
129
|
126
|
116
|
105
|
96
|
88
|
88
|
88
|
89
|
94
|
101
|
112
|
125
|
139
|
155
|
170
|
181
|
189
|
192
|
203
|
213
|
217
|
211
|
196
|
177
|
160
|
147
|
133
|
120
|
110
|
102
|
94
|
85
|
76
|
68
|
61
|
56
|
54
|
52
|
50
|
46
|
43
|
40
|
38
|
36
|
37
|
38
|
40
|
43
|
43
|
42
|
41
|
40
|
40
|
41
|
43
|
45
|
48
|
56
|
66
|
75
|
85
|
95
|
110
|
129
|
151
|
171
|
183
|
185
|
179
|
158
|
134
|
109
|
84
|
70
|
58
|
52
|
49
|
48
|
59
|
106
|
189
|
295
|
400
|
481
|
533
|
563
|
587
|
591
|
588
|
586
|
585
|
584
|
|
| Non Interest Income |
64
|
67
|
70
|
38
|
69
|
66
|
60
|
52
|
54
|
54
|
55
|
54
|
54
|
53
|
52
|
53
|
53
|
54
|
48
|
49
|
50
|
52
|
63
|
58
|
61
|
64
|
57
|
67
|
64
|
64
|
71
|
54
|
92
|
101
|
110
|
62
|
102
|
88
|
76
|
51
|
71
|
76
|
80
|
65
|
72
|
72
|
72
|
67
|
75
|
75
|
72
|
81
|
72
|
73
|
75
|
74
|
72
|
70
|
72
|
70
|
74
|
96
|
116
|
132
|
143
|
138
|
132
|
129
|
129
|
133
|
143
|
151
|
156
|
204
|
297
|
353
|
409
|
383
|
317
|
276
|
230
|
211
|
175
|
151
|
138
|
129
|
130
|
133
|
132
|
127
|
126
|
121
|
119
|
120
|
131
|
135
|
|
| Revenue |
256
N/A
|
263
+3%
|
273
+4%
|
232
-15%
|
269
+16%
|
257
-4%
|
240
-6%
|
229
-5%
|
237
+4%
|
244
+3%
|
254
+4%
|
259
+2%
|
261
+1%
|
265
+2%
|
269
+1%
|
273
+2%
|
276
+1%
|
279
+1%
|
271
-3%
|
269
-1%
|
268
0%
|
267
0%
|
282
+6%
|
283
+0%
|
296
+5%
|
310
+4%
|
308
-1%
|
320
+4%
|
316
-1%
|
314
0%
|
319
+1%
|
300
-6%
|
337
+12%
|
344
+2%
|
350
+2%
|
300
-14%
|
339
+13%
|
323
-5%
|
324
+0%
|
312
-4%
|
342
+10%
|
357
+5%
|
360
+1%
|
343
-5%
|
348
+1%
|
345
-1%
|
342
-1%
|
336
-2%
|
363
+8%
|
391
+8%
|
417
+7%
|
457
+10%
|
458
+0%
|
460
+1%
|
462
+0%
|
458
-1%
|
460
+0%
|
465
+1%
|
481
+3%
|
495
+3%
|
509
+3%
|
565
+11%
|
623
+10%
|
681
+9%
|
728
+7%
|
737
+1%
|
729
-1%
|
717
-2%
|
718
+0%
|
723
+1%
|
726
+0%
|
728
+0%
|
731
+0%
|
799
+9%
|
936
+17%
|
1 043
+11%
|
1 148
+10%
|
1 139
-1%
|
1 068
-6%
|
1 019
-5%
|
973
-5%
|
982
+1%
|
1 005
+2%
|
1 048
+4%
|
1 077
+3%
|
1 081
+0%
|
1 070
-1%
|
1 053
-2%
|
1 041
-1%
|
1 034
-1%
|
1 034
0%
|
1 032
0%
|
1 067
+3%
|
1 117
+5%
|
1 178
+5%
|
1 237
+5%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(12)
|
(12)
|
(10)
|
(9)
|
(7)
|
(8)
|
(8)
|
(8)
|
(7)
|
(6)
|
(5)
|
(5)
|
(4)
|
(4)
|
(5)
|
(6)
|
(5)
|
(5)
|
(3)
|
(1)
|
(2)
|
(2)
|
(3)
|
(5)
|
(7)
|
(11)
|
(16)
|
(25)
|
(31)
|
(50)
|
(52)
|
(46)
|
(45)
|
(28)
|
(26)
|
(14)
|
(11)
|
(10)
|
(7)
|
(17)
|
(17)
|
(15)
|
(16)
|
(18)
|
(19)
|
(20)
|
(21)
|
(19)
|
(19)
|
(20)
|
(20)
|
(22)
|
(23)
|
(22)
|
(23)
|
(23)
|
(21)
|
(23)
|
(25)
|
(25)
|
(26)
|
(27)
|
(27)
|
(28)
|
(28)
|
(26)
|
(23)
|
(22)
|
(22)
|
(21)
|
(21)
|
(21)
|
0
|
0
|
0
|
0
|
(0)
|
9
|
17
|
24
|
28
|
20
|
5
|
(19)
|
(29)
|
(42)
|
(41)
|
(31)
|
(30)
|
(24)
|
(25)
|
(25)
|
(49)
|
(49)
|
(54)
|
(54)
|
|
| Non Interest Expense |
(121)
|
(126)
|
(136)
|
(110)
|
(139)
|
(132)
|
(121)
|
(130)
|
(132)
|
(134)
|
(153)
|
(137)
|
(136)
|
(137)
|
(122)
|
(121)
|
(125)
|
(126)
|
(136)
|
(137)
|
(137)
|
(137)
|
(136)
|
(148)
|
(158)
|
(167)
|
(169)
|
(171)
|
(172)
|
(177)
|
(190)
|
(175)
|
(215)
|
(224)
|
(223)
|
(182)
|
(223)
|
(209)
|
(207)
|
(184)
|
(209)
|
(221)
|
(224)
|
(203)
|
(206)
|
(201)
|
(194)
|
(192)
|
(205)
|
(214)
|
(223)
|
(240)
|
(236)
|
(237)
|
(237)
|
(232)
|
(232)
|
(239)
|
(244)
|
(248)
|
(253)
|
(300)
|
(334)
|
(367)
|
(395)
|
(376)
|
(373)
|
(368)
|
(367)
|
(374)
|
(377)
|
(383)
|
(421)
|
(516)
|
(608)
|
(683)
|
(704)
|
(647)
|
(601)
|
(580)
|
(571)
|
(573)
|
(568)
|
(553)
|
(551)
|
(545)
|
(543)
|
(558)
|
(561)
|
(561)
|
(561)
|
(543)
|
(555)
|
(569)
|
(580)
|
(600)
|
|
| Pre-Tax Income |
122
N/A
|
125
+2%
|
128
+2%
|
113
-11%
|
123
+8%
|
117
-4%
|
112
-5%
|
92
-17%
|
98
+6%
|
104
+6%
|
96
-7%
|
117
+22%
|
121
+3%
|
124
+2%
|
142
+15%
|
147
+3%
|
147
N/A
|
149
+1%
|
132
-11%
|
130
-1%
|
130
0%
|
128
-1%
|
144
+12%
|
130
-9%
|
132
+1%
|
132
+0%
|
123
-7%
|
124
+1%
|
113
-9%
|
88
-22%
|
77
-12%
|
78
+1%
|
77
-1%
|
92
+20%
|
101
+9%
|
104
+3%
|
105
+1%
|
105
-1%
|
109
+4%
|
110
+1%
|
115
+4%
|
121
+5%
|
120
-1%
|
122
+1%
|
122
+1%
|
123
+1%
|
127
+3%
|
125
-2%
|
139
+11%
|
157
+13%
|
174
+11%
|
195
+12%
|
199
+2%
|
201
+1%
|
203
+1%
|
204
+0%
|
206
+1%
|
202
-2%
|
211
+4%
|
223
+5%
|
229
+3%
|
237
+4%
|
262
+10%
|
285
+9%
|
306
+7%
|
335
+10%
|
332
-1%
|
327
-2%
|
329
+0%
|
328
0%
|
328
+0%
|
324
-1%
|
294
-9%
|
273
-7%
|
322
+18%
|
360
+12%
|
444
+23%
|
500
+13%
|
483
-3%
|
463
-4%
|
430
-7%
|
430
0%
|
443
+3%
|
476
+7%
|
497
+4%
|
494
-1%
|
486
-2%
|
464
-5%
|
449
-3%
|
449
0%
|
448
0%
|
465
+4%
|
463
0%
|
500
+8%
|
545
+9%
|
583
+7%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(40)
|
(40)
|
(40)
|
(35)
|
(37)
|
(35)
|
(34)
|
(28)
|
(30)
|
(32)
|
(30)
|
(34)
|
(35)
|
(36)
|
(42)
|
(46)
|
(47)
|
(47)
|
(42)
|
(41)
|
(40)
|
(40)
|
(44)
|
(39)
|
(40)
|
(40)
|
(36)
|
(37)
|
(22)
|
(14)
|
(11)
|
(11)
|
(22)
|
(27)
|
(31)
|
(33)
|
(33)
|
(32)
|
(34)
|
(35)
|
(36)
|
(38)
|
(38)
|
(39)
|
(39)
|
(39)
|
(40)
|
(39)
|
(45)
|
(52)
|
(58)
|
(65)
|
(65)
|
(65)
|
(65)
|
(66)
|
(68)
|
(67)
|
(70)
|
(76)
|
(78)
|
(81)
|
(90)
|
(97)
|
(94)
|
(94)
|
(84)
|
(71)
|
(70)
|
(69)
|
(68)
|
(64)
|
(57)
|
(50)
|
(62)
|
(71)
|
(88)
|
(102)
|
(97)
|
(95)
|
(88)
|
(87)
|
(89)
|
(96)
|
(100)
|
(100)
|
(99)
|
(97)
|
(95)
|
(90)
|
(90)
|
(92)
|
(93)
|
(105)
|
(114)
|
(119)
|
|
| Income from Continuing Operations |
83
|
85
|
88
|
78
|
86
|
82
|
78
|
64
|
68
|
72
|
67
|
83
|
86
|
88
|
100
|
100
|
100
|
101
|
90
|
89
|
89
|
88
|
100
|
91
|
92
|
93
|
86
|
87
|
91
|
74
|
66
|
67
|
55
|
65
|
70
|
72
|
72
|
72
|
75
|
76
|
79
|
82
|
82
|
83
|
83
|
84
|
87
|
86
|
94
|
105
|
116
|
130
|
134
|
136
|
138
|
138
|
138
|
135
|
142
|
147
|
151
|
157
|
172
|
188
|
211
|
240
|
248
|
256
|
258
|
259
|
261
|
260
|
237
|
222
|
260
|
289
|
356
|
398
|
386
|
368
|
343
|
343
|
354
|
380
|
396
|
393
|
387
|
366
|
355
|
359
|
358
|
373
|
370
|
395
|
430
|
465
|
|
| Net Income (Common) |
83
N/A
|
85
+3%
|
88
+3%
|
89
+2%
|
90
+1%
|
90
+1%
|
91
+1%
|
79
-13%
|
80
+1%
|
81
+2%
|
83
+2%
|
98
+18%
|
99
+1%
|
99
+0%
|
100
+1%
|
100
+0%
|
100
0%
|
101
+1%
|
90
-11%
|
89
-1%
|
89
0%
|
88
-1%
|
100
+13%
|
91
-9%
|
92
+1%
|
93
+1%
|
86
-7%
|
87
+1%
|
91
+4%
|
74
-19%
|
66
-10%
|
67
+1%
|
55
-18%
|
65
+18%
|
70
+8%
|
72
+3%
|
72
+1%
|
72
-1%
|
75
+4%
|
76
+1%
|
79
+4%
|
82
+4%
|
82
-1%
|
83
+1%
|
83
+1%
|
84
+1%
|
87
+3%
|
86
-2%
|
94
+10%
|
105
+12%
|
116
+11%
|
130
+12%
|
134
+3%
|
136
+1%
|
138
+1%
|
138
+0%
|
138
N/A
|
135
-2%
|
142
+5%
|
147
+4%
|
151
+3%
|
157
+4%
|
172
+10%
|
151
-12%
|
174
+15%
|
203
+17%
|
210
+4%
|
256
+22%
|
258
+1%
|
259
+0%
|
261
+1%
|
260
0%
|
237
-9%
|
222
-6%
|
260
+17%
|
289
+11%
|
356
+23%
|
398
+12%
|
386
-3%
|
368
-5%
|
343
-7%
|
343
+0%
|
354
+3%
|
380
+7%
|
396
+4%
|
393
-1%
|
387
-2%
|
366
-5%
|
355
-3%
|
359
+1%
|
358
0%
|
373
+4%
|
370
-1%
|
395
+7%
|
430
+9%
|
465
+8%
|
|
| EPS (Diluted) |
1.89
N/A
|
1.95
+3%
|
2.03
+4%
|
2.06
+1%
|
2.11
+2%
|
2.14
+1%
|
2.17
+1%
|
1.84
-15%
|
1.79
-3%
|
1.84
+3%
|
1.88
+2%
|
2.22
+18%
|
2.28
+3%
|
2.3
+1%
|
2.33
+1%
|
2.33
N/A
|
2.36
+1%
|
2.4
+2%
|
2.15
-10%
|
2.13
-1%
|
2.15
+1%
|
2.15
N/A
|
2.31
+7%
|
2.15
-7%
|
2.11
-2%
|
2.14
+1%
|
1.99
-7%
|
2
+1%
|
2.09
+4%
|
1.7
-19%
|
1.53
-10%
|
1.55
+1%
|
1.27
-18%
|
1.49
+17%
|
1.61
+8%
|
1.65
+2%
|
1.66
+1%
|
1.65
-1%
|
1.72
+4%
|
1.61
-6%
|
1.56
-3%
|
1.63
+4%
|
1.62
-1%
|
1.64
+1%
|
1.65
+1%
|
1.67
+1%
|
1.73
+4%
|
1.7
-2%
|
1.5
-12%
|
1.52
+1%
|
1.67
+10%
|
1.92
+15%
|
1.94
+1%
|
1.96
+1%
|
1.98
+1%
|
1.98
N/A
|
1.98
N/A
|
1.88
-5%
|
1.84
-2%
|
1.99
+8%
|
1.85
-7%
|
1.57
-15%
|
1.63
+4%
|
1.53
-6%
|
1.64
+7%
|
1.93
+18%
|
2.02
+5%
|
2.46
+22%
|
2.52
+2%
|
2.54
+1%
|
2.55
+0%
|
2.55
N/A
|
2.33
-9%
|
1.85
-21%
|
2
+8%
|
2.41
+21%
|
2.78
+15%
|
3.07
+10%
|
2.98
-3%
|
2.84
-5%
|
2.51
-12%
|
2.54
+1%
|
2.63
+4%
|
2.81
+7%
|
2.94
+5%
|
2.92
-1%
|
2.87
-2%
|
2.72
-5%
|
2.63
-3%
|
2.65
+1%
|
2.65
N/A
|
2.76
+4%
|
2.59
-6%
|
2.77
+7%
|
3.03
+9%
|
3.28
+8%
|
|