Attached files
| file | filename |
|---|---|
| 10-K - 10-K - UNITED BANKSHARES INC/WV | d462848d10k.htm |
| EX-32.2 - EX-32.2 - UNITED BANKSHARES INC/WV | d462848dex322.htm |
| EX-32.1 - EX-32.1 - UNITED BANKSHARES INC/WV | d462848dex321.htm |
| EX-31.2 - EX-31.2 - UNITED BANKSHARES INC/WV | d462848dex312.htm |
| EX-31.1 - EX-31.1 - UNITED BANKSHARES INC/WV | d462848dex311.htm |
| EX-23.1 - EX-23.1 - UNITED BANKSHARES INC/WV | d462848dex231.htm |
| EX-21.1 - EX-21.1 - UNITED BANKSHARES INC/WV | d462848dex211.htm |
| EX-10.15 - EX-10.15 - UNITED BANKSHARES INC/WV | d462848dex1015.htm |
| EX-10.12 - EX-10.12 - UNITED BANKSHARES INC/WV | d462848dex1012.htm |
| EX-10.8 - EX-10.8 - UNITED BANKSHARES INC/WV | d462848dex108.htm |
| EX-10.6 - EX-10.6 - UNITED BANKSHARES INC/WV | d462848dex106.htm |
| Exhibit 12.1
Computation of Ratios
| ||
| Net Income Per Share |
= Net Income/Average Common Shares Outstanding | |
| Cash Dividends Per Share |
= Dividends Paid/Actual Common Shares Outstanding | |
| Book Value Per Share |
= Total Shareholders’ Equity/Actual Common Shares Outstanding | |
| Return on Average Assets |
= Net Income/Average Assets | |
| Return on Average Shareholders’ Equity |
= Net Income/Average Shareholders’ Equity | |
| Net Interest Margin |
= Net Interest Income/Average Earning Assets | |
| Noninterest Expense to Average Assets |
= Noninterest Expense/Average Assets | |
| Efficiency Ratio (GAAP) |
= Noninterest Expense/(Net Interest Income + Noninterest Income) | |
| Average Loans to Deposits |
= Average Net Loans/Average Deposits Outstanding | |
| Dividend Payout |
= Dividends Declared/Net Income | |
| Average Shareholders’ Equity to Average Assets |
= Average Shareholders’ Equity/Average Assets | |
| Tier I Capital Ratio |
= Shareholders’ Equity – Net Unrealized Gains on Available for Sale Securities-Intangible Assets +Qualifying Capital Securities (Tier I Capital)/ Risk Adjusted Assets | |
| Total Capital Ratio |
= (Tier I Capital +Qualifying Tier II Capital Securities +Allowance for Loan Losses +Qualifying Portion of Unrealized Gains on Available for Sale Marketable Equity Securities)/Risk Adjusted Assets | |
| Tier I Leverage Ratio |
= Tier I Capital/Average Assets | |
| Net Charge-offs to Average Loans |
= (Gross Charge-offs – Recoveries)/ Average Net Loans | |
| Non-performing Loans to Period End Loans |
= (Nonaccrual Loans + Loans Past Due 90 Days or Greater)/ Loans Net of Unearned Income | |
| Non-performing Assets to Period End Assets |
= (Nonaccrual Loans + Loans Past Due 90 Days or Greater + Troubled Debt Restructurings + Other Real Estate Owned)/Total Assets | |
| Allowance for Loan Losses to Period End Loans |
= Loan Loss Reserve/Loans Net of Unearned Income | |
| Allowance for Loan Losses to Non-Performing Loans |
= Loan Loss Reserve/(Nonaccrual Loans + Loans Past Due 90 days or Greater + Troubled Debt Restructurings) | |