Credit Quality (Tables)

9 Months Ended

Sep. 30, 2022

Text Block [Abstract]

Schedule of Reasons For Modification Troubled Debt Restructuring Loans

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

Reason for modification	September 30, 2022		December 31, 2021
Interest rate reduction	$	765	$	3,163
Interest rate reduction and change in terms		1,078		1,412
Concession of principal and term		0		19
Extended maturity		4,694		4,831
Transfer of asset		0		5,407
Change in terms		16,618		21,024
Total	$	23,155	$	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 September 30, 2022 and 2021, segregated by class of loans:

	Troubled Debt Restructurings For the Three Months Ended
	September 30, 2022						September 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	$	144	$	144		1	$	103	$	103
Nonowner-occupied		0		0		0		0		0		0
Other commercial		0		0		0		0		0		0
Residential real estate		0		0		0		1		473		473
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	$	144	$	144		2	$	576	$	576

The following table sets forth United’s troubled debt restructurings that have been restructured during the nine months ended September 30, 2022 and 2021, segregated by class of loans:

	Troubled Debt Restructurings For the Nine Months Ended
	September 30, 2022						September 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		2	$	2,945	$	2,856		2	$	1,043	$	1,196
Nonowner-occupied		0		0		0		2		6,349		6,136
Other commercial		1		132		0		1		181		181
Residential real estate		0		0		0		1		473		473
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		3	$	3,077	$	2,856		6	$	8,046	$	7,986

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 nine months ended September 30, 2022 and 2021, segregated by the reason for modification:

	Three Months Ended September 30				Nine Months Ended September 30
Reason for modification	2022		2021		2022		2021
Interest rate reduction and change in terms	$	144	$	473	$	144	$	473
Transfer of asset		0		0		0		5,407
Extended maturity		0		103		0		2,106
Change in terms		0		0		2,712		0
Total	$	144	$	576	$	2,856	$	7,986

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 September 30, 2022 and had charge-offs during the three and nine months ended September 30, 2022. The recorded investment amounts presented were as of the September 30, 2022 balance sheet date.

	Three Months Ended September 30, 2022				Nine Months Ended September 30, 2022
	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		1		103
Residential real estate		1		0		1		0
Construction & land development		0		0		0		0
Consumer:
Bankcard		0		0		0		0
Other consumer		0		0		0		0
Total		1	$	0		2	$	103

The following table presents troubled debt restructurings, by class of loan, that were restructured during the twelve-month period ended September 30, 2021 and had charge-offs during the nine months ended September 30, 2021. No charge-offs were recorded during the three months ended September 30, 2021. The recorded investment amounts presented were as of the September 30, 2021 balance sheet date.

	Nine Months Ended September 30, 2021
	Number of Contracts		Recorded Investment
Troubled Debt Restructurings
Commercial real estate:
Owner-occupied		0	$	0
Nonowner-occupied		0		0
Other commercial		0		0
Residential real estate		1		0
Construction & land development		2		0
Consumer:
Bankcard		0		0
Other consumer		0		0
Total		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 September 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	$	5,363	$	12,528	$	17,891	$	1,730,466	$	1,748,357	$	4,272
Nonowner-occupied		30,979		10,229		41,208		5,983,665		6,024,873		876
Other commercial		13,073		11,406		24,479		3,513,243		3,537,722		3,802
Residential real estate		22,489		20,351		42,840		4,347,908		4,390,748		8,173
Construction & land development		10,093		1,234		11,327		2,612,790		2,624,117		674
Consumer:
Bankcard		62		72		134		8,526		8,660		72
Other consumer		25,423		3,955		29,378		1,358,630		1,388,008		3,326
Total	$	107,482	$	59,775	$	167,257	$	19,555,228	$	19,722,485	$	21,195

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 September 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	$	8,256	$	8,256	$	4,272	$	12,714	$	12,714	$	611
Nonowner-occupied		9,353		9,353		876		18,284		18,284		545
Other Commercial		7,604		6,542		3,802		9,314		8,261		6,569
Residential Real Estate		12,178		10,369		8,173		15,254		14,298		8,241
Construction & land development		560		560		674		2,713		2,713		383
Consumer:
Bankcard		0		0		72		0		0		187
Other consumer		629		629		3,326		170		170		2,445
Total	$	38,580	$	35,709	$	21,195	$	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 September 30, 2022
	Residential Property		Business Assets		Land		Commercial Property		Other		Total
Commercial real estate:
Owner-occupied	$	51	$	28	$	0	$	7,343	$	9,664	$	17,086
Nonowner-occupied		3,286		0		0		2,796		8,074		14,156
Other commercial		1,593		9,705		0		0		1,173		12,471
Residential real estate		12,839		0		0		0		0		12,839
Construction & land development		0		0		1,419		0		755		2,174
Consumer:
Bankcard		0		0		0		0		0		0
Other consumer		0		0		0		0		0		0
Total	$	17,769	$	9,733	$	1,419	$	10,139	$	19,666	$	58,726

	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																Revolving loans converted to term loans
	Term Loans Origination Year													Revolving loans amortized cost basis				Total
As of September 30, 2022	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	254,135	$	324,105	$	301,559	$	133,669	$	117,404	$	542,210		$	27,695	$	363	$	1,701,140
Special Mention		0		309		529		500		1,566		4,916			931		0		8,751
Substandard		144		633		0		432		991		35,752			0		236		38,188
Doubtful		0		0		0		0		0		278			0		0		278
Total	$	254,279	$	325,047	$	302,088	$	134,601	$	119,961	$	583,156		$	28,626	$	599	$	1,748,357
Current-period charge-offs		0		0		0		0		0		(68	)		0		0		(68	)
Current-period recoveries		0		0		0		0		0		485			0		0		485
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	417		$	0	$	0	$	417

	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															Revolving loans converted to term loans
	Term Loans Origination Year												Revolving loans amortized cost basis				Total
As of September 30, 2022	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	1,116,436	$	1,381,816	$	736,996	$	636,308	$	359,768	$	1,394,475	$	173,940	$	145	$	5,799,884
Special Mention		574		0		2,898		82,705		984		22,224		0		0		109,385
Substandard		0		0		686		34,079		28,134		52,705		0		0		115,604
Doubtful		0		0		0		0		0		0		0		0		0
Total	$	1,117,010	$	1,381,816	$	740,580	$	753,092	$	388,886	$	1,469,404	$	173,940	$	145	$	6,024,873
Current-period charge-offs		0		0		0		0		0		0		0		0		0
Current-period recoveries		0		0		0		0		0		153		0		0		153
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	153	$	0	$	0	$	153

	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																				Revolving loans and leases converted to term loans
	Term Loans and leases Origination Year																	Revolving loans and leases amortized cost basis				Total
As of September 30, 2022	2022		2021			2020			2019			2018			Prior
Internal Risk Grade:
Pass	$	658,865	$	667,721		$	424,201		$	251,761		$	82,222		$	340,577		$	992,467	$	1,692	$	3,419,506
Special Mention		14,446		13			369			2,362			1,019			3,495			33,666		44		55,414
Substandard		4,066		970			203			724			8,373			10,236			38,081		84		62,737
Doubtful		0		0			0			0			65			0			0		0		65
Total	$	677,377	$	668,704		$	424,773		$	254,847		$	91,679		$	354,308		$	1,064,214	$	1,820	$	3,537,722
Current-period charge-offs		0		(353	)		(2	)		(208	)		(1,526	)		(642	)		0		0		(2,731	)
Current-period recoveries		0		0			84			7			705			3,296			0		0		4,092
Current-period net charge-offs	$	0	$	(353	)	$	82		$	(201	)	$	(821	)	$	2,654		$	0	$	0	$	1,361

	Term Loans and leases Origination Year																	Revolving loans and leases 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	$	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																		Revolving loans converted to term loans
	Term Loans Origination Year															Revolving loans amortized cost basis				Total
As of September 30, 2022	2022		2021			2020		2019		2018			Prior
Internal Risk Grade:
Pass	$	1,177,179	$	844,137		$	493,937	$	302,151	$	251,579		$	850,367		$	439,462	$	2,855	$	4,361,667
Special Mention		0		0			0		0		11			4,768			1,949		0		6,728
Substandard		0		1,458			68		443		876			18,593			915		0		22,353
Doubtful		0		0			0		0		0			0			0		0		0
Total	$	1,177,179	$	845,595		$	494,005	$	302,594	$	252,466		$	873,728		$	442,326	$	2,855	$	4,390,748
Current-period charge-offs		0		(809	)		0		0		(283	)		(387	)		0		0		(1,479	)
Current-period recoveries		0		0			0		0		15			1,295			1		0		1,311
Current-period net charge-offs	$	0	$	(809	)	$	0	$	0	$	(268	)	$	908		$	1	$	0	$	(168	)

	Term Loans Origination Year																Revolving loans amortized cost basis		Revolving loans converted to term loans		Total
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																Revolving loans converted to term loans
	Term Loans Origination Year													Revolving loans amortized cost basis				Total
As of September 30, 2022	2022		2021		2020		2019		2018		Prior
Internal Risk Grade:
Pass	$	542,237	$	1,079,140	$	397,998	$	156,282	$	113,677	$	93,713		$	231,058	$	0	$	2,614,105
Special Mention		0		2,401		66		3,257		0		500			967		0		7,191
Substandard		0		248		0		52		0		2,521			0		0		2,821
Doubtful		0		0		0		0		0		0			0		0		0
Total	$	542,237	$	1,081,789	$	398,064	$	159,591	$	113,677	$	96,734		$	232,025	$	0	$	2,624,117
Current-period charge-offs		0		0		0		0		0		(2	)		0		0		(2	)
Current-period recoveries		0		0		0		0		0		1,386			0		0		1,386
Current-period net charge-offs	$	0	$	0	$	0	$	0	$	0	$	1,384		$	0	$	0	$	1,384

	Term Loans Origination Year																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
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																						Revolving loans converted to term loans
	Term Loans Origination Year																		Revolving loans amortized cost basis					Total
As of September 30, 2022	2022			2021			2020			2019			2018			Prior
Internal Risk Grade:
Pass	$	0		$	0		$	0		$	0		$	0		$	0		$	8,527		$	0	$	8,527
Special Mention		0			0			0			0			0			0			62			0		62
Substandard		0			0			0			0			0			0			71			0		71
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	0		$	0		$	0		$	0		$	0		$	0		$	8,660		$	0	$	8,660
Current-period charge-offs		0			0			0			0			0			0			(295	)		0		(295	)
Current-period recoveries		0			0			0			0			0			0			8			0		8
Current-period net charge-offs	$	0		$	0		$	0		$	0		$	0		$	0		$	(287	)	$	0	$	(287	)
	Term Loans Origination Year																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
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																						Revolving loans converted to term loans
	Term Loans Origination Year																		Revolving loans amortized cost basis					Total
As of September 30, 2022	2022			2021			2020			2019			2018			Prior
Internal Risk Grade:
Pass	$	568,900		$	356,050		$	199,869		$	148,850		$	68,038		$	13,902		$	3,021		$	0	$	1,358,630
Special Mention		5,373			10,512			5,134			2,794			1,139			441			31			0		25,424
Substandard		689			1,893			907			245			174			46			0			0		3,954
Doubtful		0			0			0			0			0			0			0			0		0
Total	$	574,962		$	368,455		$	205,910		$	151,889		$	69,351		$	14,389		$	3,052		$	0	$	1,388,008
Current-period charge-offs		(123	)		(925	)		(545	)		(266	)		(114	)		(134	)		0			0		(2,107	)
Current-period recoveries		1			75			39			72			53			140			0			0		380
Current-period net charge-offs	$	(122	)	$	(850	)	$	(506	)	$	(194	)	$	(61	)	$	6		$	0		$	0	$	(1,727	)

	Term Loans Origination Year																		Revolving loans amortized cost basis			Revolving loans converted to term loans		Total
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	)