Credit Quality (Tables)

6 Months Ended

Jun. 30, 2018

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, 2018 and 2017, segregated by class of loans:


	Troubled Debt Restructurings
	For the Three Months Ended
	June 30, 2018						June 30, 2017
	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		1	$	5,333	$	5,333
Nonowner-occupied		0		0		0		0		0		0
Other commercial		4		9,571		9,571		4		21,355		21,355
Residential real estate		2		6,953		6,953		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		6	$	16,524	$	16,524		5	$	26,688	$	26,688

The following table sets forth United’s troubled debt restructurings that have been restructured during the six months ended June 30, 2018 and 2017, segregated by class of loans:


	Troubled Debt Restructurings
	For the Six Months Ended
	June 30, 2018						June 30, 2017
	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		1	$	5,333	$	5,333
Nonowner-occupied		0		0		0		0		0		0
Other commercial		4		9,571		9,571		8		24,107		24,032
Residential real estate		2		6,953		6,953		0		0		0
Construction & land development		0		0		0		1		1,456		1,437
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0

Total		6	$	16,524	$	16,524		10	$	30,896	$	30,802

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 June 30, 2018


	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	$	13,261	$	18,602	$	31,863	$	1,334,951	$	1,366,814	$	1,377
Nonowner-occupied		14,118		16,924		31,042		4,404,868		4,435,910		1,301
Other commercial		9,598		54,562		64,160		2,145,031		2,209,191		2,313
Residential real estate		37,135		28,705		65,840		3,234,632		3,300,472		9,866
Construction & land development		2,910		17,345		20,255		1,376,598		1,396,853		802
Consumer:
Bankcard		427		165		592		9,125		9,717		165
Other consumer		6,618		969		7,587		802,464		810,051		682

Total	$	84,067	$	137,272	$	221,339	$	13,307,669	$	13,529,008	$	16,506

(1)	Other includes loans with a recorded investment of $168,497 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, 2017


(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	$	7,968	$	13,663	$	21,631	$	1,339,998	$	1,361,629	$	458
Nonowner-occupied		10,398		20,448		30,846		4,420,452		4,451,298		634
Other commercial		11,533		68,476		80,009		1,918,970		1,998,979		940
Residential real estate		35,300		28,637		63,937		2,932,234		2,996,171		6,519
Construction & land development		1,615		17,190		18,805		1,486,102		1,504,907		385
Consumer:
Bankcard		449		186		635		9,679		10,314		186
Other consumer		9,288		968		10,256		693,783		704,039		775

Total	$	76,551	$	149,568	$	226,119	$	12,801,218	$	13,027,337	$	9,897

(1)	Other includes loans with a recorded investment of $210,521 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


	June 30, 2018		December 31, 2017
Commercial real estate:
Owner-occupied	$	17,225	$	13,205
Nonowner-occupied		15,623		19,814
Other commercial		52,249		67,536
Residential real estate		18,839		22,118
Construction & land development		16,543		16,805
Consumer:
Bankcard		0		0
Other consumer		287		193

Total	$	120,766	$	139,671

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 June 30, 2018
	Commercial Real Estate				Other Commercial		Construction & Land Development
	Owner- occupied		Nonowner- occupied		Other Commercial		Construction & Land Development
Grade:
Pass	$	1,279,444	$	4,282,361	$	2,100,084	$	1,312,907
Special mention		31,737		56,404		16,523		4,402
Substandard		55,633		97,145		89,566		79,544
Doubtful		0		0		3,018		0

Total	$	1,366,814	$	4,435,910	$	2,209,191	$	1,396,853


As of December 31, 2017
	Commercial Real Estate				Other Commercial		Construction & Land Development
	Owner- occupied		Nonowner- occupied		Other Commercial		Construction & Land Development
Grade:
Pass	$	1,276,088	$	4,312,985	$	1,848,868	$	1,413,706
Special mention		20,165		57,618		55,564		5,196
Substandard		65,376		80,695		90,625		86,005
Doubtful		0		0		3,922		0

Total	$	1,361,629	$	4,451,298	$	1,998,979	$	1,504,907

Credit Quality Indicators

Consumer Credit Exposure


As of June 30, 2018
	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	3,239,999	$	9,125	$	802,394
Special mention		25,077		427		6,671
Substandard		35,396		165		986
Doubtful		0		0		0

Total	$	3,300,472	$	9,717	$	810,051


As of December 31, 2017
	Residential Real Estate		Bankcard		Other Consumer
Grade:
Pass	$	2,945,266	$	9,679	$	693,727
Special mention		18,025		449		9,334
Substandard		32,880		186		978
Doubtful		0		0		0

Total	$	2,996,171	$	10,314	$	704,039

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
	June 30, 2018						December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	72,883	$	73,343	$	0	$	78,117	$	78,419	$	0
Nonowner-occupied		99,098		99,159		0		134,136		134,195		0
Other commercial		52,375		61,377		0		46,993		49,552		0
Residential real estate		24,315		25,078		0		26,751		28,202		0
Construction & land development		45,497		50,132		0		52,279		59,691		0
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		23		23		0		15		15		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	4,766	$	4,766	$	978	$	9,132	$	9,132	$	2,251
Nonowner-occupied		10,463		10,463		1,693		7,797		7,797		1,592
Other commercial		44,671		50,278		14,676		60,512		70,396		16,721
Residential real estate		12,097		13,539		1,460		9,813		10,418		1,552
Construction & land development		2,001		4,654		277		1,383		1,383		229
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	77,649	$	78,109	$	978	$	87,249	$	87,551	$	2,251
Nonowner-occupied		109,561		109,622		1,693		141,933		141,992		1,592
Other commercial		97,046		111,655		14,676		107,505		119,948		16,721
Residential real estate		36,412		38,617		1,460		36,564		38,620		1,552
Construction & land development		47,498		54,786		277		53,662		61,074		229
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		23		23		0		15		15		0


	Impaired Loans
	For the Three Months Ended
	June 30, 2018				June 30, 2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	74,330	$	354	$	69,670	$	412
Nonowner-occupied		108,343		159		109,003		168
Other commercial		52,384		246		58,597		226
Residential real estate		24,220		85		20,713		54
Construction & land development		46,909		98		36,182		83
Consumer:
Bankcard		0		0		0		0
Other consumer		32		0		36		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	5,319	$	6	$	14,102	$	159
Nonowner-occupied		9,503		60		14,147		12
Other commercial		46,376		10		72,568		157
Residential real estate		11,992		11		15,485		34
Construction & land development		2,008		20		2,587		21
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	79,649	$	360	$	83,772	$	571
Nonowner-occupied		117,846		219		123,150		180
Other commercial		98,760		256		131,165		383
Residential real estate		36,212		96		36,198		88
Construction & land development		48,917		118		38,769		104
Consumer:
Bankcard		0		0		0		0
Other consumer		32		0		36		0


	Impaired Loans
	For the Six Months Ended
	June 30, 2018				June 30, 2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate:
Owner-occupied	$	75,592	$	739	$	62,615	$	837
Nonowner-occupied		116,941		328		105,045		347
Other commercial		50,587		470		53,076		496
Residential real estate		25,064		180		21,468		103
Construction & land development		48,699		197		35,903		164
Consumer:
Bankcard		0		0		0		0
Other consumer		26		0		36		0
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	6,590	$	31	$	9,997	$	318
Nonowner-occupied		8,934		119		15,411		87
Other commercial		51,088		28		63,783		622
Residential real estate		11,266		21		14,345		83
Construction & land development		1,800		40		3,372		42
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total:
Commercial real estate:
Owner-occupied	$	82,182	$	770	$	72,612	$	1,155
Nonowner-occupied		125,875		447		120,456		434
Other commercial		101,675		498		116,859		1,118
Residential real estate		36,330		201		35,813		186
Construction & land development		50,499		237		39,275		206
Consumer:
Bankcard		0		0		0		0
Other consumer		26		0		36		0