Credit Quality (Tables)

9 Months Ended

Sep. 30, 2017

Schedule of Troubled Debt Restructurings, Segregated by Class of Loans

The following table sets forth United’s troubled debt restructurings that were restructured during the three months ended September 30, 2016, segregated by class of loans:


	Troubled Debt Restructurings
	For the Three Months Ended
	September 30, 2016
	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		1		110		110
Residential real estate		0		0		0
Construction & land development		0		0		0
Consumer:
Bankcard		0		0		0
Other consumer		0		0		0

Total		1	$	110	$	110

The following table sets forth United’s troubled debt restructurings that were restructured during the nine months ended September 30, 2017 and 2016, segregated by class of loans:


	Troubled Debt Restructurings
	For the Nine Months Ended
	September 30, 2017						September 30, 2016
	Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Number of Contracts		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial real estate:
Owner-occupied		1	$	5,333	$	5,333		1	$	1,190	$	1,184
Nonowner-occupied		0		0		0		0		0		0
Other commercial		8		24,102		22,291		5		2,250		1,725
Residential real estate		0		0		0		1		1,400		1,400
Construction & land development		1		1,456		1,400		0		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total		10	$	30,891	$	29,024		7	$	4,840	$	4,309

Schedule of Charged-off Troubled Debt Restructurings on Financing Receivables

The following table presents troubled debt restructurings, by class of loan, that had charge-offs during the three months and nine months ended September 30, 2017.


	Three Months Ended September 30, 2017				Nine Months Ended September 30, 2017
(In thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Troubled Debt Restructurings
Commercial real estate:
Owner-occupied		0	$	0		0	$	0
Nonowner-occupied		0		0		0		0
Other commercial		1		1,495		1		1,495
Residential real estate		0		0		0		0
Construction & land development		0		0		0		0
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0

Total		1	$	1,495		1	$	1,495

Schedule of Age Analysis of 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 September 30, 2017


	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other (1)		Total Financing Receivables		Recorded Investment >90 Days & Accruing
Commercial real estate:
Owner-occupied	$	9,704	$	6,912	$	16,616	$	1,348,141	$	1,364,757	$	0
Nonowner-occupied		7,686		20,797		28,483		4,657,700		4,686,183		0
Other commercial		13,589		79,342		92,931		1,664,810		1,757,741		802
Residential real estate		33,654		25,564		59,218		2,991,650		3,050,868		5,298
Construction & land development		3,351		17,852		21,203		1,578,429		1,599,632		14,828
Consumer:
Bankcard		385		210		595		13,180		13,775		210
Other consumer		8,087		1,305		9,392		674,506		683,898		1,111

Total	$	76,456	$	151,982	$	228,438	$	12,928,416	$	13,156,854	$	22,249

(1)	Other includes loans with a recorded investment of $227,754 acquired and accounted for under ASC topic 310-30 “Loans and Debt Securities Acquired with Deteriorated Credit Quality”.

Age Analysis of Past Due Loans

As of December 31, 2016


(In thousands)	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other (1)		Total Financing Receivables		Recorded Investment >90 Days & Accruing
Commercial real estate:
Owner-occupied	$	5,850	$	3,981	$	9,831	$	1,040,054	$	1,049,885	$	94
Nonowner-occupied		9,288		20,847		30,135		3,395,318		3,425,453		172
Other commercial		15,273		42,766		58,039		1,555,398		1,613,437		2,518
Residential real estate		29,976		25,991		55,967		2,347,470		2,403,437		4,216
Construction & land development		3,809		7,779		11,588		1,244,150		1,255,738		33
Consumer:
Bankcard		422		141		563		13,624		14,187		141
Other consumer		10,015		1,712		11,727		582,855		594,582		1,412

Total	$	74,633	$	103,217	$	177,850	$	10,178,869	$	10,356,719	$	8,586

(1)	Other includes loans with a recorded investment of $171,596 acquired and accounted for under ASC topic 310-30 “Loans and Debt Securities Acquired with Deteriorated Credit Quality”.

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


	September 30, 2017		December 31, 2016
Commercial real estate:
Owner-occupied	$	6,912	$	3,887
Nonowner-occupied		20,797		20,675
Other commercial		78,540		40,248
Residential real estate		20,266		21,775
Construction & land development		3,024		7,746
Consumer:
Bankcard		0		0
Other consumer		194		300

Total	$	129,733	$	94,631

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 September 30, 2017
	Commercial Real Estate				Other Commercial		Construction & Land Development
	Owner- occupied		Nonowner- occupied		Other Commercial		Construction & Land Development
Grade:
Pass	$	1,282,657	$	4,544,799	$	1,611,250	$	1,498,656
Special mention		23,827		44,080		47,450		19,872
Substandard		58,273		97,304		98,933		81,104
Doubtful		0		0		108		0

Total	$	1,364,757	$	4,686,183	$	1,757,741	$	1,599,632


As of December 31, 2016
	Commercial Real Estate				Other Commercial		Construction & Land Development
	Owner- occupied		Nonowner- occupied		Other Commercial		Construction & Land Development
Grade:
Pass	$	963,503	$	3,284,497	$	1,463,797	$	1,126,742
Special mention		20,490		36,462		26,537		52,327
Substandard		65,892		104,494		122,893		76,669
Doubtful		0		0		210		0

Total	$	1,049,885	$	3,425,453	$	1,613,437	$	1,255,738

Credit Quality Indicators

Consumer Credit Exposure


As of September 30, 2017
	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	2,999,614	$	13,180	$	674,447
Special mention		18,953		385		8,134
Substandard		32,301		210		1,317
Doubtful		0		0		0

Total	$	3,050,868	$	13,775	$	683,898


As of December 31, 2016
	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	2,348,017	$	13,624	$	582,704
Special mention		18,240		422		10,132
Substandard		36,995		141		1,746
Doubtful		185		0		0

Total	$	2,403,437	$	14,187	$	594,582

Schedule of Impaired Loans Information by Class of Loans

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


	Impaired Loans
	September 30, 2017						December 31, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	64,592	$	65,355	$	0	$	46,575	$	47,108	$	0
Nonowner-occupied		143,100		143,552		0		92,654		93,104		0
Other commercial		55,022		58,785		0		46,064		48,308		0
Residential real estate		20,873		22,546		0		22,747		24,404		0
Construction & land development		30,959		33,225		0		19,863		21,746		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		16		16		0		36		36		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	8,220	$	8,220	$	923	$	1,787	$	2,082	$	815
Nonowner-occupied		12,182		12,182		1,786		17,938		17,938		2,524
Other commercial		70,344		80,415		21,890		43,774		46,188		13,441
Residential real estate		13,743		15,082		1,659		12,066		12,801		3,431
Construction & land development		1,411		5,910		488		4,940		7,899		3,206
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	72,812	$	73,575	$	923	$	48,362	$	49,190	$	815
Nonowner-occupied		155,282		155,734		1,786		110,592		111,042		2,524
Other commercial		125,366		139,200		21,890		89,838		94,496		13,441
Residential real estate		34,616		37,628		1,659		34,813		37,205		3,431
Construction & land development		32,370		39,135		488		24,803		29,645		3,206
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		16		16		0		36		36		0


	Impaired Loans
	For the Three Months Ended
	September 30, 2017				September 30, 2016
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	58,980	$	376	$	38,199	$	531
Nonowner-occupied		108,959		312		71,154		321
Other commercial		57,317		306		45,028		1,221
Residential real estate		19,553		74		27,214		170
Construction & land development		23,846		552		28,730		46
Consumer:
Bankcard		0		0		0		0
Other consumer		25		0		35		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	11,624	$	131	$	3,353	$	36
Nonowner-occupied		13,408		89		14,046		122
Other commercial		72,835		216		33,195		42
Residential real estate		15,225		16		8,579		52
Construction & land development		1,641		21		8,591		56
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	70,604	$	507	$	41,552	$	567
Nonowner-occupied		122,367		401		85,200		443
Other commercial		130,152		522		78,223		1,263
Residential real estate		34,778		90		35,793		222
Construction & land development		25,487		573		37,321		102
Consumer:
Bankcard		0		0		0		0
Other consumer		25		0		35		0


	Impaired Loans
	For the Nine Months Ended
	September 30, 2017				September 30, 2016
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	55,506	$	1,011	$	34,030	$	715
Nonowner-occupied		93,254		811		70,081		714
Other commercial		55,891		895		37,805		1,446
Residential real estate		19,634		206		26,737		406
Construction & land development		20,706		563		26,559		112
Consumer:
Bankcard		0		0		0		0
Other consumer		29		0		32		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	9,392	$	424	$	3,603	$	92
Nonowner-occupied		14,595		363		10,416		360
Other commercial		65,142		1,410		34,755		270
Residential real estate		15,186		89		9,129		77
Construction & land development		2,872		64		10,300		146
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	64,898	$	1,435	$	37,633	$	807
Nonowner-occupied		107,849		1,174		80,497		1,074
Other commercial		121,033		2,305		72,560		1,716
Residential real estate		34,820		295		35,866		483
Construction & land development		23,578		627		36,859		258
Consumer:
Bankcard		0		0		0		0
Other consumer		29		0		32		0