Credit Quality (Tables)

12 Months Ended

Dec. 31, 2012

Schedule Of Troubled Debt Restructurings, Segregated By Class Of Loans

The following table sets forth United’s troubled debt restructurings that have been restructured during the year ended December 31, 2012 and 2011, segregated by class of loans:

Troubled Debt Restructurings For the Year Ended December 31, 2012
(In thousands)	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial real estate:
Owner-occupied		0	$	0	$	0
Nonowner-occupied		0		0		0
Other commercial		0		0		0
Residential real estate		1		640		651
Construction & land development		1		731		375
Consumer:
Bankcard		0		0		0
Other consumer		0		0		0
Total		2	$	1,371	$	1,026

Troubled Debt Restructurings For the Year Ended December 31, 2011
(In thousands)	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial real estate:
Owner-occupied		0	$	0	$	0
Nonowner-occupied		2		2,075		2,064
Other commercial		0		0		0
Residential real estate		2		1,979		1,528
Construction & land development		0		0		0
Consumer:
Bankcard		0		0		0
Other consumer		0		0		0
Total		4	$	4,054	$	3,592

Schedule Of Troubled Debt Restructurings, By Class Of Loan Charge-Offs

The following table presents troubled debt restructurings, by class of loan, that had charge-offs during the years ended December 31, 2012 and 2011. These loans were restructured during the last twelve months and subsequently defaulted, resulting in a principal charge-off during the respective time periods. Loans modified in a troubled debt restructuring that defaulted with a recorded investment of zero were fully paid down through the sale of foreclosed real estate property prior to period end.

	Year Ended December 31, 2012				Year Ended December 31, 2011
(In thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Troubled Debt Restructurings
Commercial real estate:		0	$	0		0	$	0
Owner-occupied		0		0		0		0
Nonowner-occupied		0		0		0		0
Other commercial		0		0		0		0
Residential real estate		0		0		2		0
Construction & land development		1		375		0		0
Consumer:		0		0		0		0
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total		1	$	375		2	$	0

Schedule Of Age Analysis Of Its Past Due Loans, Segregated By Class Of Loans

The following table sets forth United’s age analysis of its past due loans, segregated by class of loans:

Age Analysis of Past Due Loans As of December 31, 2012
(In thousands)	30-89   Days Past   Due		90 Days or more  Past Due		Total Past   Due		Current		Total Financing   Receivables		Recorded Investment >90 Days  & Accruing
Commercial real estate:
Owner-occupied	$	11,122	$	16,691	$	27,813	$	701,093	$	728,906	$	4,038
Nonowner-occupied		12,793		11,643		24,436		1,715,984		1,740,420		2,549
Other commercial		8,379		20,808		29,187		1,347,896		1,377,083		1,687
Residential real estate		54,168		22,095		76,263		1,761,989		1,838,252		7,363
Construction & land development		14,046		16,918		30,964		519,713		550,677		654
Consumer:
Bankcard		394		164		558		10,678		11,236		164
Other consumer		8,738		1,683		10,421		260,785		271,206		1,613
Total	$	109,640	$	90,002	$	199,642	$	6,318,138	$	6,517,780	$	18,068

Age Analysis of Past Due Loans As of December 31, 2011
(In thousands)	30-89   Days Past   Due		90 Days or more  Past Due		Total Past   Due		Current		Total Financing   Receivables		Recorded Investment >90 Days  & Accruing
Commercial real estate:
Owner-occupied	$	4,625	$	4,707	$	9,332	$	734,170	$	743,502	$	1,597
Nonowner-occupied		16,694		13,285		29,979		1,523,280		1,553,259		2,233
Other commercial		7,131		14,153		21,284		1,190,921		1,212,205		761
Residential real estate		52,654		26,617		79,271		1,812,454		1,891,725		8,833
Construction & land development		13,809		17,820		31,629		518,248		549,877		1,840
Consumer:
Bankcard		222		176		398		11,121		11,519		176
Other consumer		5,739		841		6,580		265,613		272,193		739
Total	$	100,874	$	77,599	$	178,473	$	6,055,807	$	6,234,280	$	16,179

Schedule Of Nonaccrual Loans, Segregated By Class Of Loans

The following table sets forth United’s nonaccrual loans, segregated by class of loans:

Loans on Nonaccrual Status
(In thousands)	December 31, 2012		December 31, 2011
Commercial real estate:
Owner-occupied	$	12,653	$	3,110
Nonowner-occupied		9,094		11,052
Other commercial		19,121		13,392
Residential real estate		14,732		17,784
Construction & land development		16,264		15,980
Consumer:
Bankcard		0		0
Other consumer		70		102
Total	$	71,934	$	61,420

Schedule Of Credit Quality Indicators Information, By Class Of Loans

The following tables set forth United’s credit quality indicators information, by class of loans:

Credit Quality Indicators

Corporate Credit Exposure
As of December 31, 2012
	Commercial Real Estate
(In thousands)	Owner-     occupied		Nonowner-     occupied		Other     Commercial		Construction & Land     Development
Grade:
Pass	$	669,157	$	1,621,338	$	1,286,471	$	392,096
Special mention		25,487		54,399		31,293		92,667
Substandard		34,262		64,683		57,386		65,914
Doubtful		0		0		1,933		0
Total	$	728,906	$	1,740,420	$	1,377,083	$	550,677

Credit Quality Indicators

Corporate Credit Exposure
As of December 31, 2011
	Commercial Real Estate
(In thousands)	Owner-     occupied		Nonowner-     occupied		Other     Commercial		Construction & Land      Development
Grade:
Pass	$	679,651	$	1,407,006	$	1,073,347	$	462,517
Special mention		38,150		67,035		78,158		41,093
Substandard		25,701		79,218		57,436		45,267
Doubtful		0		0		3,264		1,000
Total	$	743,502	$	1,553,259	$	1,212,205	$	549,877

Credit Quality Indicators

Consumer Credit Exposure
As of December 31, 2012
(In thousands)	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	1,800,377	$	10,678	$	271,054
Special mention		7,866		394		0
Substandard		30,009		164		152
Doubtful		0		0		0
Total	$	1,838,252	$	11,236	$	271,206

As of December 31, 2011
(In thousands)	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	1,784,363	$	11,079	$	265,995
Special mention		56,722		304		5,366
Substandard		50,640		136		832
Doubtful		0		0		0
Total	$	1,891,725	$	11,519	$	272,193

Schedule Of Impaired Loans Information By Class Of Loans

The following table set forth United’s impaired loans information, by class of loans:

	Impaired Loans
	December 31, 2012						December 31, 2011
(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	15,591	$	16,279	$	0	$	3,540	$	4,934	$	0
Nonowner-occupied		10,907		14,601		0		30,382		32,573		0
Other commercial		3,036		5,501		0		7,831		9,405		0
Residential real estate		7,035		9,157		0		18,750		20,613		0
Construction & land development		7,682		10,089		0		23,654		33,172		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		152		152		0		120		144		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	1,284	$	1,284	$	397	$	1,638	$	1,638	$	269
Nonowner-occupied		3,423		4,423		1,154		2,086		2,413		596
Other commercial		27,610		30,411		7,564		20,453		22,630		5,888
Residential real estate		5,635		7,028		1,427		8,868		10,867		1,925
Construction & land development		13,033		17,029		3,659		10,714		12,210		2,480
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	16,875	$	17,563	$	397	$	5,178	$	6,572	$	269
Nonowner-occupied		14,330		19,024		1,154		32,468		34,986		596
Other commercial		30,646		35,912		7,564		28,284		32,035		5,888
Residential real estate		12,670		16,185		1,427		27,618		31,480		1,925
Construction & land development		20,715		27,118		3,659		34,368		45,382		2,480
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		152		152		0		120		144		0

	Impaired Loans
	For the Year Ended
	December 31, 2012				December 31, 2011
(In thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	12,160	$	770	$	11,132	$	109
Nonowner-occupied		23,393		431		18,005		1,191
Other commercial		5,208		178		11,265		312
Residential real estate		10,982		418		16,527		594
Construction & land development		18,104		285		33,622		509
Consumer:
Bankcard		0		0		0		0
Other consumer		165		0		141		6
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	1,151	$	51	$	864	$	58
Nonowner-occupied		3,477		67		4,186		128
Other commercial		26,240		1,969		12,772		787
Residential real estate		8,989		380		16,356		425
Construction & land development		12,904		322		8,578		299
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	13,311	$	821	$	11,996	$	167
Nonowner-occupied		26,870		498		22,191		1,319
Other commercial		31,448		2,147		24,037		1,099
Residential real estate		19,971		798		32,883		1,019
Construction & land development		31,008		607		42,200		808
Consumer:
Bankcard		0		0		0		0
Other consumer		165		0		141		6