EX-99.2

EXHIBIT 99.2

UNITED BANKSHARES, INC. AND SUBSIDIARIES
Charleston, WV
Stock Symbol: UBSI
(In Thousands Except for Per Share Data)

Consolidated Statements of Income


	Three Months Ended									Six Months Ended
	June			June			March			June			June
	2007			2006			2007			2007			2006

Interest & Loan Fees Income	$	101,702		$	100,461		$	100,622		$	202,324		$	196,042
Tax equivalent adjustment		4,086			3,788			4,011			8,097			7,518

Interest & Fees Income (FTE)		105,788			104,249			104,633			210,421			203,560
Interest expense		48,882			44,881			47,960			96,842			85,441

Net Interest Income (FTE)		56,906			59,368			56,673			113,579			118,119

Credit Loss Provision		850			348			350			1,200			598

Non-Interest Income:
Investment securities transactions		165			(99	)		157			322			(2,937	)
Fees from trust & brokerage services		3,763			3,647			3,546			7,309			6,667
Fees from deposit services		7,869			7,217			7,178			15,047			14,208
Other charges, commissions, and fees		1,791			1,747			1,693			3,484			3,417
Income from bank-owned life insurance		1,327			1,061			1,459			2,786			2,104
Mortgage banking income		162			150			161			323			379
Gain on termination of interest rate swap associated with prepayment of FHLB advances		787			—			—			787			3,060
Other non-interest revenue		661			702			722			1,383			1,189

Total Non-Interest Income		16,525			14,425			14,916			31,441			28,087


Non-Interest Expense:
Salaries and employee benefits		14,633			15,951			14,745			29,378			31,049
Net occupancy		3,114			3,114			3,456			6,570			6,427
Other expenses		13,197			12,552			12,580			25,777			25,492
Prepayment penalties on FHLB advances		786			—			—			786			—
Amortization of intangibles		383			484			407			790			994
OREO expense		238			(82	)		164			402			97
FDIC expense		145			144			143			288			292

Total Non-Interest Expense		32,496			32,163			31,495			63,991			64,351


Income Before Income Taxes (FTE)		40,085			41,282			39,744			79,829			81,257

Tax equivalent adjustment		4,086			3,788			4,011			8,097			7,518


Income Before Income Taxes		35,999			37,494			35,733			71,732			73,739


Taxes		11,487			12,035			11,326			22,813			23,670


Net Income	$	24,512		$	25,459		$	24,407		$	48,919		$	50,069


MEMO: Effective Tax Rate		31.91	%		32.10	%		31.70	%		31.80	%		32.10	%

UNITED BANKSHARES, INC. AND SUBSIDIARIES
Charleston, WV
Stock Symbol: UBSI
(In Thousands Except for Per Share Data)

Consolidated Balance Sheets


	June 30			June 30
	2007			2006			June 30			December 31			June 30
	Q-T-D Average			Q-T-D Average			2007			2006			2006
Cash & Cash Equivalents	$	189,045		$	191,308		$	219,079		$	259,013		$	211,484

Securities Available for Sale		997,675			1,079,980			1,003,874			1,010,252			1,052,121
Held to Maturity Securities		191,621			215,628			166,627			212,296			215,375
Other Investment Securities		50,312			61,836			49,335			52,922			59,720

Total Securities		1,239,608			1,357,444			1,219,836			1,275,470			1,327,216

Total Cash and Securities		1,428,653			1,548,752			1,438,915			1,534,483			1,538,700


Loans held for sale		2,702			3,026			2,701			2,041			5,914

Commercial Loans		2,740,403			2,657,706			2,805,863			2,757,957			2,692,517
Mortgage Loans		1,665,707			1,742,303			1,657,580			1,694,922			1,747,957
Consumer Loans		357,633			373,324			356,074			360,829			373,170


Gross Loans		4,763,743			4,773,333			4,819,517			4,813,708			4,813,644

Unearned income		(6,735	)		(6,702	)		(6,686	)		(6,961	)		(6,666	)


Loans, net of unearned income		4,757,008			4,766,631			4,812,831			4,806,747			4,806,978

Allowance for Loan Losses		(43,928	)		(44,146	)		(43,372	)		(43,629	)		(44,180	)

Goodwill		167,336			167,459			167,255			167,421			167,421
Other Intangibles		2,058			3,791			1,850			2,640			3,533

Total Intangibles		169,394			171,250			169,105			170,061			170,954

Real Estate Owned		4,351			2,713			4,074			4,231			2,313
Other Assets		239,537			228,544			247,857			243,664			237,194


Total Assets	$	6,557,717		$	6,676,770		$	6,632,111		$	6,717,598		$	6,717,873


MEMO: Earning Assets	$	6,000,950		$	6,123,138		$	6,034,859		$	6,082,080		$	6,131,872


Interest-bearing Deposits	$	3,868,096		$	3,783,234		$	3,878,614		$	3,924,985		$	3,844,736
Noninterest-bearing Deposits		806,711			873,594			828,377			903,207			910,744

Total Deposits		4,674,807			4,656,828			4,706,991			4,828,192			4,755,480

Short-term Borrowings		645,705			817,498			693,586			682,266			761,246
Long-term Borrowings		523,878			495,016			523,788			499,200			493,707

Total Borrowings		1,169,583			1,312,514			1,217,374			1,181,466			1,254,953

Other Liabilities		67,522			62,560			68,581			73,848			72,413


Total Liabilities		5,911,912			6,031,902			5,992,946			6,083,506			6,082,846


Common Equity		645,805			644,868			639,165			634,092			635,027

Total Shareholders’ Equity		645,805			644,868			639,165			634,092			635,027


Total Liabilities & Equity	$	6,557,717		$	6,676,770		$	6,632,111		$	6,717,598		$	6,717,873

UNITED BANKSHARES, INC. AND SUBSIDIARIES
Charleston, WV
Stock Symbol: UBSI
(In Thousands Except for Per Share Data)


	Three Months Ended							Six Months Ended
	June		June			March		June		June
Quarterly/Year-to-Date Share Data:	2007		2006			2007		2007		2006

Earnings Per Share:
Basic	$	0.60	$	0.61		$	0.60	$	1.20	$	1.20
Diluted	$	0.60	$	0.60		$	0.59	$	1.19	$	1.19

Common Dividend Declared Per Share:	$	0.28	$	0.27		$	0.28	$	0.56	$	0.54

High Common Stock Price	$	35.37	$	38.41		$	39.50	$	39.50	$	38.50
Low Common Stock Price	$	30.88	$	34.46		$	33.60	$	30.88	$	34.46

Average Shares Outstanding (Net of Treasury Stock):
Basic		40,677,396		41,684,404			40,946,236		40,811,074		41,803,404
Diluted		40,935,684		42,084,164			41,272,213		41,103,158		42,228,600

Memorandum Items:

Tax Applicable to Security Transactions	$	58	$	(35	)	$	55	$	113	$	(1,028	)

Common Dividends	$	11,368	$	11,212		$	11,452	$	22,820	$	22,543


	June		June		March
EOP Share Data:	2007		2006		2007

Book Value Per Share	$	15.77	$	15.30	$	15.65
Tangible Book Value Per Share	$	11.60	$	11.18	$	11.49

52-week High Common Stock Price	$	39.71	$	38.55	$	39.71
Date		12/28/06		12/02/05		12/28/06
52-week Low Common Stock Price	$	30.88	$	32.34	$	33.60
Date		06/26/07		10/12/05		03/14/07

EOP Shares Outstanding (Net of Treasury Stock):		40,523,267		41,512,069		40,823,168

Memorandum Items:

EOP Employees (full-time equivalent)		1,310		1,365		1,327

UNITED BANKSHARES, INC. AND SUBSIDIARIES
Charleston, WV
Stock Symbol: UBSI
(In Thousands Except for Per Share Data)


	Three Months Ended									Six Months Ended
	June			June			March			June			June
	2007			2006			2007			2007			2006
Selected Yields and Net Interest Margin:
Loans		7.44	%		7.14	%		7.41	%		7.42	%		7.05	%
Investment Securities		5.72	%		5.78	%		5.65	%		5.69	%		5.57	%
Money Market Investments/FFS		5.27	%		4.28	%		5.62	%		5.43	%		3.55	%
Average Earning Assets Yield		7.06	%		6.82	%		7.03	%		7.05	%		6.69	%
Interest-bearing Deposits		3.55	%		2.97	%		3.49	%		3.52	%		2.83	%
Short-term Borrowings		4.43	%		4.12	%		4.48	%		4.45	%		3.88	%
Long-term Borrowings		5.77	%		6.85	%		5.84	%		5.80	%		6.62	%
Average Liability Costs		3.89	%		3.53	%		3.86	%		3.88	%		3.39	%
Net Interest Spread		3.17	%		3.29	%		3.17	%		3.17	%		3.30	%
Net Interest Margin		3.80	%		3.88	%		3.79	%		3.79	%		3.87	%

Selected Financial Ratios:

Return on Average Common Equity		15.22	%		15.84	%		15.44	%		15.33	%		15.67	%
Return on Average Assets		1.50	%		1.53	%		1.51	%		1.50	%		1.51	%
Efficiency Ratio		43.51	%		42.98	%		43.20	%		43.40	%		42.42	%


	June			June			March
	2007			2006			2007

Loan / Deposit Ratio		102.25	%		101.08	%		99.47	%
Allowance for Loan Losses/ Loans, net of unearned income		0.90	%		0.92	%		0.93	%
Allowance for Credit Losses ⁽¹⁾/ Loans, net of unearned income		1.06	%		1.10	%		1.11	%
Nonaccrual Loans / Loans, net of unearned income		0.16	%		0.14	%		0.13	%
90-Day Past Due Loans/ Loans, net of unearned income		0.21	%		0.14	%		0.11	%
Non-performing Loans/ Loans, net of unearned income		0.37	%		0.28	%		0.24	%
Non-performing Assets/ Total Assets		0.33	%		0.24	%		0.24	%
Primary Capital Ratio		10.33	%		10.16	%		10.43	%
Shareholders’ Equity Ratio		9.64	%		9.45	%		9.72	%
Price / Book Ratio		2.02	x		2.39	x		2.24	x
Price / Earnings Ratio		13.28	x		15.14	x		14.81	x

UNITED BANKSHARES, INC. AND SUBSIDIARIES
Charleston, WV
Stock Symbol: UBSI
(In Thousands Except for Per Share Data)


	June		June		December		March
Asset Quality Data:	2007		2006		2006		2007

EOP Non-Accrual Loans	$	7,842	$	6,958	$	5,755	$	6,068
EOP 90-Day Past Due Loans		9,869		6,531		8,432		5,416

Total EOP Non-performing Loans	$	17,711	$	13,489	$	14,187	$	11,484

EOP Other Real Estate & Assets Owned		4,074		2,313		4,231		3,991

Total EOP Non-performing Assets	$	21,785	$	15,802	$	18,418	$	15,475


	Three Months Ended									Six Months Ended
	June			June			March			June			June
Allowance for Credit Losses:⁽¹⁾	2007			2006			2007			2007			2006
Beginning Balance	$	52,385		$	52,965		$	52,371		$	52,371		$	52,871
Provision Expense		850			348			350			1,200			598

		53,235			53,313			52,721			53,571			53,469
Gross Charge-offs		(2,231	)		(643	)		(617	)		(2,848	)		(1,314	)
Recoveries		216			225			281			497			740

Net Charge-offs		(2,015	)		(418	)		(336	)		(2,351	)		(574	)

Ending Balance	$	51,220		$	52,895		$	52,385		$	51,220		$	52,895

Note: (1) Includes allowances for loan losses and lending-related commitments.