Washington, D.C. 20549 [ X ] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2018 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Table of Contents FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Commission File Number: 002-86947 United Bankshares, Inc. (Exact name of registrant as specified in its charter) West Virginia 55-0641179 (State or ...

Financial Highlights - The company achieved a record Net Income of $256.3 million for FY 2018[12] - The company achieved record diluted Earnings Per Share of $2.45 for FY 2018[12] - Total Assets were $19.3 billion[8] - Net Loans were $13.7 billion[8] - Total Deposits were $14.0 billion[8] Performance Ratios - Return on average assets was 1.36% for FY 2018[12] - Return on equity was 7.84% for FY 2018[12] - Return on tangible equity was 14.65% for FY 2018[12] - The efficiency ratio was 51.3% for FY 2018[12] Loan and Deposit Portfolio - Total Gross Loans were $13.430 billion as of 4Q18[29] - Total Deposits were $13.995 billion as of 4Q18[35]

Community Bankers Trust Corp (ESXB) Q4 2018 Earnings Conference Call January 25, 2019 10:00 AM ET Company Participants Rex Smith - President and CEO Bruce Thomas - CFO Conference Call Participants Charlie Hough - Sandler O'Neill Austin Nicholas - Stephens John Rodis - FIG Partners Operator Good morning and welcome to the Community Bankers Trust Corporation Fourth and Year 2018 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation, there ...