Credit Quality (Tables)

6 Months Ended

Jun. 30, 2022

Text Block [Abstract]

Schedule of Reasons For Modification Troubled Debt Restructuring Loans

The following tables sets forth the balances of TDRs at June 30, 2022 and December 31, 2021 and the reasons for modification:

Reason for modification	June 30, 2022		December 31, 2021
Interest rate reduction	$	2,181	$	3,163
Interest rate reduction and change in terms		1,243		1,412
Concession of principal and term		17		19
Extended maturity		4,752		4,831
Transfer of asset		0		5,407
Change in terms		17,311		21,024
Total	$	25,504	$	35,856

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 three months ended June 30, 2022 and 2021, segregated by class of loans:

	Troubled Debt Restructurings For the Three Months Ended
	June 30, 2022						June 30, 2021
	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		0	$	0	$	0		0	$	0	$	0
Nonowner-occupied		0		0		0		1		5,413		5,364
Other commercial		1		132		131		1		181		181
Residential real estate		0		0		0		0		0		0
Construction & land  development		0		0		0		0		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total		1	$	132	$	131		2	$	5,594	$	5,545
The following table sets forth United’s troubled debt restructurings that have been restructured during the six months ended June 30, 2022 and 2021, segregated by class of loans:
	Troubled Debt Restructurings For the Six Months Ended
	June 30, 2022						June 30, 2021
	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	$	2,801	$	2,750		1	$	940	$	1,106
Nonowner-occupied		0		0		0		2		6,350		6,292
Other commercial		1		132		131		1		181		181
Residential real estate		0		0		0		0		0		0
Construction & land development		0		0		0		0		0		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total		2	$	2,933	$	2,881		4	$	7,471	$	7,579

Schedule Of Troubled Debt Restructuring Loan Modification Based On Post Modification Outstanding Balance

The following table sets forth United’s troubled debt restructurings, based on their post-modification outstanding recorded balance, that have been restructured during the three and six months ended June 30, 2022 and 2021, segregated by the reason for modification:

	Three Months Ended June 30				Six Months Ended June 30
Reason for modification	2022		2021		2022		2021
Interest rate reduction	$	0	$	0	$	0	$	0
Interest rate reduction and change in terms		131		0		131		0
Forgiveness of principal		0		0		0		0
Concession of principal and termp		0		0		0		0
Transfer of asset		0		5,545		0		5,545
Extended maturity		0		0		0		2,034
Change in terms		0		0		2,750		0
Total	$	131	$	5,545	$	2,881	$	7,579

Schedule of Charged-off Troubled Debt Restructurings on Financing Receivables

The following table presents troubled debt restructurings, by class of loan, that were restructured during the twelve-month period ended June 30, 2022 and had charge-offs during the six months ended June 30, 2022. No charge-offs were recorded during the three months ended June 30, 2022. The recorded investment amounts presented were as of the June 30, 2022 balance sheet date.

	Six Months Ended June 30, 2022
	Number of Contracts		Recorded Investment
Troubled Debt Restructurings
Commercial real estate:
Owner-occupied		0	$	0
Nonowner-occupied		0		0
Other commercial		1		108
Residential real estate		0		0
Construction & land development		0		0
Consumer:
Bankcard		0		0
Other consumer		0		0
Total		1	$	108

The following table presents troubled debt restructurings, by class of loan, that were restructured during the twelve-month period ended June 30, 2021 and had charge-offs during the three and six months ended June 30, 2021. The recorded investment amounts presented were as of the June 30, 2021 balance sheet date.

	Three Months Ended June 30, 2021				Six Months Ended June 30, 2021
	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		0		0		0		0
Residential real estate		1		0		1		0
Construction & land development		1		0		2		0
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total		2	$	0		3	$	0

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 and leases, segregated by class of loans:

Age Analysis of Past Due Loans and Leases As of June 30, 2022
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	6,491	$	11,264	$	17,755	$	1,696,217	$	1,713,972	$	2,873
Nonowner-occupied		15,290		10,892		26,182		5,929,657		5,955,839		1,506
Other commercial		42,699		9,196		51,895		3,429,261		3,481,156		1,919
Residential real estate		20,506		23,448		43,954		4,060,894		4,104,848		9,994
Construction & land development		5,121		655		5,776		2,389,508		2,395,284		0
Consumer:
Bankcard		44		43		87		8,564		8,651		43
Other consumer		22,661		3,791		26,452		1,307,923		1,334,375		3,270
Total	$	112,812	$	59,289	$	172,101	$	18,822,024	$	18,994,125	$	19,605

Age Analysis of Past Due Loans and Leases As of December 31, 2021
	30-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current & Other		Total Financing Receivables		90 Days or More Past Due & Accruing
Commercial real estate:
Owner-occupied	$	7,522	$	13,325	$	20,847	$	1,712,329	$	1,733,176	$	611
Nonowner-occupied		5,791		18,829		24,620		5,932,668		5,957,288		545
Other commercial		21,444		15,883		37,327		3,425,034		3,462,361		6,569
Residential real estate		19,488		23,495		42,983		3,648,577		3,691,560		8,241
Construction & land development		6,599		3,096		9,695		2,004,470		2,014,165		383
Consumer:
Bankcard		100		187		287		8,626		8,913		187
Other consumer		17,264		2,615		19,879		1,163,965		1,183,844		2,445
Total	$	78,208	$	77,430	$	155,638	$	17,895,669	$	18,051,307	$	18,981

Schedule of Nonaccrual Loans, Segregated by Class of Loans

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

	At June 30, 2022						At December 31, 2021
	Nonaccruals		With No Related Allowance for Credit Losses		90 Days or More Past Due & Accruing		Nonaccruals		With No Related Allowance for Credit Losses		90 Days or More Past Due & Accruing
Commercial Real Estate:
Owner-occupied	$	8,391	$	8,391	$	2,873	$	12,714	$	12,714	$	611
Nonowner-occupied		9,386		9,386		1,506		18,284		18,284		545
Other Commercial		7,277		5,894		1,919		9,314		8,261		6,569
Residential Real Estate		13,454		12,667		9,994		15,254		14,298		8,241
Construction		655		655		0		2,713		2,713		383
Consumer:
Bankcard		0		0		43		0		0		187
Other consumer		521		521		3,270		170		170		2,445
Total	$	39,684	$	37,514	$	19,605	$	58,449	$	56,440	$	18,981

Schedule of Collateral Dependent Loans and Leases

For the adoption of ASC Topic 326, United elected the practical expedient to measure expected credit losses on collateral dependent loans and leases based on the difference between the loan’s amortized cost and the collateral’s fair value, adjusted for selling costs.

	Collateral Dependent Loans and Leases
	At June 30, 2022
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	28	$	0	$	7,734	$	9,459	$	17,221
Nonowner-occupied		3,393		0		0		2,809		18,557		24,759
Other commercial		2,093		5,011		0		0		428		7,532
Residential real estate		13,295		0		0		0		0		13,295
Construction & land development		0		0		1,520		0		334		1,854
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total	$	18,781	$	5,039	$	1,520	$	10,543	$	28,778	$	64,661

	Collateral Dependent Loans and Leases
	At December 31, 2021
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	0	$	38	$	0	$	9,775	$	11,223	$	21,036
Nonowner-occupied		7,085		0		703		8,665		52,299		68,752
Other commercial		2,093		15,225		0		0		732		18,050
Residential real estate		16,749		0		0		0		0		16,749
Construction & land development		0		0		4,770		0		1,103		5,873
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total	$	25,927	$	15,263	$	5,473	$	18,440	$	65,357	$	130,460

Schedule Of Term Loans And Financing Receivable

Based on the most recent analysis performed, the risk category of loans and leases by class of loans is as follows:

Commercial Real Estate – Owner-occupied
As of June 30, 2022	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	130,241	$	334,991	$	300,384	$	139,810	$	121,248	$	598,569		$	39,519	$	376	$	1,665,138
Special Mention		0		310		531		504		2,947		20,524			943		0		25,759
Substandard		0		633		47		28		651		21,188			0		239		22,786
Doubtful		0		0		0		0		0		289			0		0		289
Total	$	130,241	$	335,934	$	300,962	$	140,342	$	124,846	$	640,570		$	40,462	$	615	$	1,713,972
Current-period charge-offs		0		0		0		0		0		(31	)		0		0		(31	)
Current-period recoveries		0		0		0		0		0		465			0		0		465
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	434		$	0	$	0	$	434

	Term Loans Origination Year														Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2021	2021		2020		2019		2018		2017			Prior
Internal Risk Grade:
Pass	$	319,007	$	310,893	$	161,075	$	135,472	$	168,874		$	539,640		$	39,117	$	401	$	1,674,479
Special Mention		0		0		51		5,399		712			20,672			959		0		27,793
Substandard		0		55		38		661		1,304			27,458			839		244		30,599
Doubtful		0		0		0		0		0			305			0		0		305
Total	$	319,007	$	310,948	$	161,164	$	141,532	$	170,890		$	588,075		$	40,915	$	645	$	1,733,176
YTD charge-offs		0		0		0		0		(44	)		(370	)		0		0		(414	)
YTD recoveries		0		0		0		0		13			856			0		0		869
YTD net charge-offs	$	0	$	0	$	0	$	0	$	(31)		$	486		$	0	$	0	$	455

Commercial Real Estate – Nonowner-occupied

	Term Loans Origination Year												Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
As of June 30, 2022	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	747,959	$	1,495,714	$	780,303	$	612,860	$	403,475	$	1,556,089	$	123,280	$	152	$	5,719,832
Special Mention		604		0		2,916		82,777		5,698		22,995		0		0		114,990
Substandard		0		0		697		34,079		28,230		58,011		0		0		121,017
Doubtful		0		0		0		0		0		0		0		0		0
Total	$	748,563	$	1,495,714	$	783,916	$	729,716	$	437,403	$	1,637,095	$	123,280	$	152	$	5,955,839
Current-period charge-offs		0		0		0		0		0		0		0		0		0
Current-period recoveries		0		0		0		0		0		115		0		0		115
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	115	$	0	$	0	$	115

	Term Loans Origination Year													Revolving loans amortized cost basis		Revolving loans and leases converted to term loans		Total
As of December 31, 2021	2021		2020		2019		2018		2017		Prior
Internal Risk Grade:
Pass	$	1,558,474	$	925,508	$	707,570	$	460,660	$	397,003	$	1,490,548		$	102,561	$	2,039	$	5,644,363
Special Mention		819		2,953		113,655		5,826		372		40,534			2,793		0		166,952
Substandard		0		714		13,042		28,411		1,095		102,711			0		0		145,973
Doubtful		0		0		0		0		0		0			0		0		0
Total	$	1,559,293	$	929,175	$	834,267	$	494,897	$	398,470	$	1,633,793		$	105,354	$	2,039	$	5,957,288
YTD charge-offs		0		0		0		0		0		(3,531	)		0		0		(3,531	)
YTD recoveries		0		0		0		0		0		1,907			0		0		1,097
YTD net charge-offs	$	0	$	0	$	0	$	0	$	0	$	(1,624)		$	0	$	0	$	(1,624)

Other commercial

	Term Loans and leases Origination Year																Revolving loans and leases amortized cost basis		Revolving loans and leases converted to term loans		Total
As of June 30, 2022	2022		2021			2020		2019			2018			Prior
Internal Risk Grade:
Pass	$	567,622	$	697,587		$	432,390	$	284,419		$	89,628		$	291,631		$	928,405	$	1,795	$	3,293,477
Special Mention		14,698		3,308			421		2,510			2,029			3,714			102,288		50		129,018
Substandard		4		82			203		770			7,025			12,259			38,092		125		58,560
Doubtful		0		0			0		0			101			0			0		0		101
Total	$	582,324	$	700,977		$	433,014	$	287,699		$	98,783		$	307,604		$	1,068,785	$	1,970	$	3,481,156
Current-period charge-offs		0		(31	)		0		(200	)		(9	)		(554	)		0		0		(794	)
Current-period recoveries		0		0			0		4			705			2,629			0		0		3,338
Current-period net charge-offs	$	0	$	(31)		$	0	$	(196)		$	696		$	2,075		$	0	$	0	$	2,544

	Term Loans and leases																	Revolving loans and leases amortized cost basis			Revolving loans and leases converted to term loans		Total
	Origination Year
As of December 31, 2021	2021		2020			2019			2018			2017			Prior
Internal Risk Grade:
Pass	$	924,726	$	557,422		$	306,945		$	107,426		$	87,090		$	76,032		$	1,211,865		$	2,038	$	3,273,544
Special Mention		1,880		0			31,614			3,012			1,801			3,390			76,987			61		118,745
Substandard		793		11			1,561			4,930			2,146			18,963			41,357			205		69,966
Doubtful		0		0			0			0			0			106			0			0		106
Total	$	927,399	$	557,433		$	340,120		$	115,368		$	91,037		$	98,491		$	1,330,209		$	2,304	$	3,462,361
YTD charge-offs		0		(87	)		(31	)		(200	)		(174	)		(5,650	)		(40	)		0		(6,182	)
YTD recoveries		0		3			30			86			34			4,154			0			0		4,307
YTD net charge-offs	$	0	$	(84)		$	(1)		$	(114)		$	(140)		$	(1,496)		$	(40)		$	0	$	(1,875)

Residential Real Estate

	Term Loans															Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
	Origination Year
As of June 30, 2022	2022		2021			2020		2019		2018			Prior
Internal Risk Grade:
Pass	$	820,260	$	851,239		$	500,110	$	317,301	$	264,524		$	878,279		$	439,679	$	2,891	$	4,074,283
Special Mention		0		0			0		0		221			5,055			2,079		0		7,355
Substandard		0		1,654			69		449		649			18,897			1,492		0		23,210
Doubtful		0		0			0		0		0			0			0		0		0
Total	$	820,260	$	852,893		$	500,179	$	317,750	$	265,394		$	902,231		$	443,250	$	2,891	$	4,104,848
Current-period charge-offs		0		(735	)		0		0		(224	)		(313	)		0		0		(1,272	)
Current-period recoveries		0		0			0		0		14			1,044			1		0		1,059
Current-period net charge-offs	$	0	$	(735)		$	0	$	0	$	(210)		$	731		$	1	$	0	$	(213)

	Term Loans																Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
	Origination Year
As of December 31, 2021	2021		2020		2019			2018			2017			Prior
Internal Risk Grade:
Pass	$	815,693	$	568,323	$	383,250		$	315,211		$	178,101		$	931,730		$	455,705	$	2,972	$	3,650,985
Special Mention		0		0		0			223			91			12,251			2,339		0		14,904
Substandard		464		0		444			617			2,763			19,773			1,497		113		25,671
Doubtful		0		0		0			0			0			0			0		0		0
Total	$	816,157	$	568,323	$	383,694		$	316,051		$	180,955		$	963,754		$	459,541	$	3,085	$	3,691,560
YTD charge-offs		0		0		(37	)		(38	)		(167	)		(5,774	)		0		0		(6,016	)
YTD recoveries		0		0		0			0			3			2,384			13		0		2,400
YTD net charge-offs	$	0	$	0	$	(37)		$	(38)		$	(164)		$	(3,390)		$	13	$	0	$	(3,616)

Construction and Land Development

	Term Loans													Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
	Origination Year
As of June 30, 2022	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	281,030	$	960,857	$	452,808	$	246,205	$	109,234	$	107,108		$	229,992	$	0	$	2,387,234
Special Mention		0		0		67		3,258		0		1,209			979		0		5,513
Substandard		0		276		0		132		0		2,129			0		0		2,537
Doubtful		0		0		0		0		0		0			0		0		0
Total	$	281,030	$	961,133	$	452,875	$	249,595	$	109,234	$	110,446		$	230,971	$	0	$	2,395,284
Current-period charge-offs		0		0		0		0		0		(2	)		0		0		(2	)
Current-period recoveries		0		0		0		0		0		1,261			0		0		1,261
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	1,259		$	0	$	0	$	1,259

	Term Loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
	Origination Year
As of December 31, 2021	2021			2020			2019			2018			2017			Prior
Internal Risk Grade:
Pass	$	767,351		$	518,291		$	278,020		$	152,062		$	18,371		$	74,532		$	192,421		$	0	$	2,001,048
Special Mention		0			69			3,261			0			0			1,237			995			0		5,562
Substandard		332			0			280			925			0			5,272			746			0		7,555
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	767,683		$	518,360		$	281,561		$	152,987		$	18,371		$	81,041		$	194,162		$	0	$	2,014,165
YTD charge-offs		0			0			0			0			(177	)		(383	)		0			0		(560	)
YTD recoveries		0			0			0			0			133			471			0			0		604
YTD net charge-offs	$	0		$	0		$	0		$	0		$	(44	)	$	88		$	0		$	0	$	44
Bankcard
	Term Loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
	Origination Year
As of June 30, 2022	2022			2021			2020			2019			2018			Prior
Internal Risk Grade:
Pass	$	0		$	0		$	0		$	0		$	0		$	0		$	8,564		$	0	$	8,564
Special Mention		0			0			0			0			0			0			44			0		44
Substandard		0			0			0			0			0			0			43			0		43
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	0		$	0		$	0		$	0		$	0		$	0		$	8,651		$	0	$	8,651
Current-period charge-offs		0			0			0			0			0			0			(245	)		0		(245	)
Current-period recoveries		0			0			0			0			0			0			3			0		3
Current-period net charge-offs	$	0		$	0		$	0		$	0		$	0		$	0		$	(242	)	$	0	$	(242	)
	Term Loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
	Origination Year
As of December 31, 2021	2021			2020			2019			2018			2017			Prior
Internal Risk Grade:
Pass	$	0		$	0		$	0		$	0		$	0		$	0		$	8,626		$	0	$	8,626
Special Mention		0			0			0			0			0			0			100			0		100
Substandard		0			0			0			0			0			0			187			0		187
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	0		$	0		$	0		$	0		$	0		$	0		$	8,913		$	0	$	8,913
YTD charge-offs		0			0			0			0			0			0			(190	)		0		(190	)
YTD recoveries		0			0			0			0			0						42			0		42
YTD net charge-offs	$	0		$	0		$	0		$	0		$	0		$	0		$	(148	)	$	0	$	(148	)
Other Consumer
	Term Loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
	Origination Year
As of June 30, 2022	2022			2021			2020			2019			2018			Prior
Internal Risk Grade:
Pass	$	422,042		$	397,073		$	226,998		$	173,114		$	83,363		$	940		$	3,175		$	0	$	1,306,705
Special Mention		2,644			10,644			4,942			3,323			1,617			547			34			0		23,751
Substandard		236			1,655			1,422			344			225			37			0			0		3,919
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	424,922		$	409,372		$	233,362		$	176,781		$	85,205		$	1,524		$	3,209		$	0	$	1,334,375
Current-period charge-offs		(12	)		(514	)		(354	)		(205	)		(64	)		(102	)		0			0		(1,251	)
Current-period recoveries		0			37			34			53			44			107			0			0		275
Current-period net charge-offs	$	(12)		$	(477)		$	(320)		$	(152)		$	(20)		$	5		$	0		$	0	$	(976)

	Term Loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
	Origination Year
As of December 31, 2021	2021			2020			2019			2018			2017			Prior
Internal Risk Grade:
Pass	$	473,430		$	293,023		$	234,340		$	119,678		$	29,697		$	10,335		$	3,465		$	0	$	1,163,968
Special Mention		5,600			5,630			2,948			2,036			569			466			13			0		17,262
Substandard		903			930			456			211			22			87			5			0		2,614
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	479,933		$	299,583		$	237,744		$	121,925		$	30,288		$	10,888		$	3,483		$	0	$	1,183,844
YTD charge-offs		(101	)		(776	)		(709	)		(483	)		(126	)		(203	)		(6	)		0		(2,404	)
YTD recoveries		5			86			51			101			18			186			2			0		449
YTD net charge-offs	$	(96)		$	(690)		$	(658)		$	(382)		$	(108)		$	(17)		$	(4)		$	0	$	(1,955)