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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
 
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
 
 
For the Quarterly Period Ended March 31, 2020
OR
 
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
 
 
 
 
For the Transition Period from ___________ to ___________
 
 
Commission file number 001-35095
UNITED COMMUNITY BANKS, INC.
(Exact name of registrant as specified in its charter)
Georgia
 
58-1807304
(State of incorporation)
 
(I.R.S. Employer Identification No.)
125 Highway 515 East
 
 
Blairsville
,
Georgia
 
30512
(Address of principal executive offices)
 
(Zip code)
(706) 781-2265
(Registrant’s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
 
 
 
Title of Each Class
Trading Symbol(s)
Name of Each Exchange on Which Registered
Common stock, par value $1 per share
UCBI
Nasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes No

Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
Yes No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer
 
Accelerated filer
Non-accelerated filer
 
Smaller reporting company
 
 
 
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). 
Yes No

Common stock, par value $1 per share 78,290,267 shares outstanding as of April 30, 2020.
 




INDEX
 
 
 
 
 
 
Item 1.  
Financial Statements.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 


2



Cautionary Note Regarding Forward-looking Statements
 
This Quarterly Report on Form 10-Q contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Statements regarding the potential effects of the COVID-19 pandemic on our business, operations, financial performance and prospects are forward-looking statements. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements generally can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “will”, “could”, “should”, “projects”, “plans”, “goal”, “targets”, “potential”, “estimates”, “pro forma”, “seeks”, “intends”, or “anticipates”, or similar expressions. Forward-looking statements include discussions of strategy, financial projections, guidance and estimates (including their underlying assumptions), statements regarding plans, objectives, expectations or consequences of various transactions or events, and statements about the future performance, operations, products and services of United Community Banks, Inc. (the “Holding Company”) and its subsidiaries (collectively referred to in this report as “United”).

Because forward-looking statements relate to the future, they are subject to known and unknown risks, uncertainties, assumptions, and changes in circumstances, many of which are beyond our control, and that are difficult to predict as to timing, extent, likelihood and degree of occurrence, and that could cause actual results to differ materially from the results implied or anticipated by the statements. Except as required by law, we expressly disclaim any obligations to publicly update any forward-looking statements whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements, in addition to those described in detail under Part II, Item 1A of this Report - “Risk Factors” - include, but are not limited to the following: 

negative economic and political conditions that adversely affect the general economy, housing prices, the real estate market, the job market, consumer confidence, the financial condition of our borrowers and consumer spending habits, which may affect, among other things, the level of non-performing assets, charge-offs and provision expense;
changes in loan underwriting, credit review or loss policies associated with economic conditions, examination conclusions or regulatory developments, either as they currently exist or as they may be affected by conditions associated with the COVID-19 pandemic;
the COVID-19 pandemic and its effects on the economic and business environments in which we operate;
strategic, market, operational, liquidity and interest rate risks associated with our business;
continuation of historically low interest rates coupled with other potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, the discontinuation of London Interbank Offered Rate (“LIBOR”) as an interest rate benchmark, as well as cash flow reassessments may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets;
our lack of geographic diversification and any unanticipated or greater than anticipated adverse conditions in the national or local economies in which we operate;
our loan concentration in industries or sectors that may experience unanticipated or greater than anticipated adverse conditions than other industries or sectors in the national or local economies in which we operate;
the risks of expansion into new geographic or product markets;
risks with respect to future mergers or acquisitions, including our ability to successfully expand and complete acquisitions and integrate businesses and operations that we acquire;
our ability to attract and retain key employees;
competition from financial institutions and other financial service providers including financial technology providers and our ability to attract customers from other financial institutions;
losses due to fraudulent and negligent conduct of our customers, third party service providers or employees;
cybersecurity risks and the vulnerability of our network and online banking portals, and the systems of parties with whom we contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches that could adversely affect our business and financial performance or reputation;
our reliance on third parties to provide key components of our business infrastructure and services required to operate our business;
the risk that we may be required to make substantial expenditures to keep pace with regulatory initiatives and the rapid technological changes in the financial services market;
the availability of and access to capital;
legislative, regulatory or accounting changes that may adversely affect us;
volatility in the allowance for credit losses resulting from the Current Expected Credit Loss (“CECL”) methodology, either alone or as that may be affected by conditions arising out of the COVID-19 pandemic;
adverse results (including judgments, costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) from current or future litigation, regulatory proceedings, examinations, investigations, or similar matters, or developments related thereto;
any matter that would cause us to conclude that there was impairment of any asset, including intangible assets;

3



limitations on our ability to make dividends and other distributions from the Bank to the Holding Company, which could affect Holding Company liquidity, including the ability to pay dividends to shareholders or take other capital actions;
other risks and uncertainties disclosed in documents filed or furnished by us with or to the SEC, any of which could cause actual results to differ materially from future results expressed, implied or otherwise anticipated by such forward-looking statements.

We caution readers that the foregoing list of factors is not exclusive, is not necessarily in order of importance and not to place undue reliance on forward-looking statements. Additional factors that may cause actual results to differ materially from those contemplated by any forward-looking statements also may be found in our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K filed with the Securities and Exchange Commission (the “SEC”) and available at the SEC’s website at http://www.sec.gov. United does not intend to and hereby disclaims any obligation to update or revise any forward-looking statement contained in this Form 10-Q, which speak only as of the date hereof, whether as a result of new information, future events, or otherwise. The financial statements and information contained herein have not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation (the “FDIC”) or any other regulator.


4



Part I. FINANCIAL INFORMATION
Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)
(in thousands, except share data)
 
March 31, 2020
 
December 31, 2019
ASSETS
 
 

 
 

Cash and due from banks
 
$
155,008

 
$
125,844

Interest-bearing deposits in banks
 
365,494

 
389,362

Cash and cash equivalents
 
520,502

 
515,206

Debt securities available-for-sale
 
2,249,876

 
2,274,581

Debt securities held-to-maturity (fair value $301,595 and $287,904)
 
290,404

 
283,533

Loans held for sale at fair value
 
89,959

 
58,484

Loans and leases held for investment
 
8,935,424

 
8,812,553

Less allowance for credit losses - loans and leases
 
(81,905
)
 
(62,089
)
Loans and leases, net
 
8,853,519

 
8,750,464

Premises and equipment, net
 
214,744

 
215,976

Bank owned life insurance
 
200,778

 
202,664

Accrued interest receivable
 
31,570

 
32,660

Net deferred tax asset
 
30,715

 
34,059

Derivative financial instruments
 
82,668

 
35,007

Goodwill and other intangible assets, net
 
341,207

 
342,247

Other assets
 
179,924

 
171,135

Total assets
 
$
13,085,866

 
$
12,916,016

LIABILITIES AND SHAREHOLDERS’ EQUITY
 
 
 
 
Liabilities:
 
 
 
 
Deposits:
 
 
 
 
Noninterest-bearing demand
 
$
3,624,806

 
$
3,477,979

Interest-bearing deposits
 
7,410,120

 
7,419,265

Total deposits
 
11,034,926

 
10,897,244

Long-term debt
 
212,849

 
212,664

Derivative financial instruments
 
27,349

 
15,516

Accrued expenses and other liabilities
 
170,130

 
154,900

Total liabilities
 
11,445,254

 
11,280,324

Shareholders' equity:
 
 
 
 
Common stock, $1 par value; 150,000,000 shares authorized;
78,283,544 and 79,013,729 shares issued and outstanding
 
78,284

 
79,014

Common stock issuable; 591,053 and 664,640 shares
 
10,534

 
11,491

Capital surplus
 
1,478,719

 
1,496,641

Retained earnings
 
54,206

 
40,152

Accumulated other comprehensive income
 
18,869

 
8,394

Total shareholders' equity
 
1,640,612

 
1,635,692

Total liabilities and shareholders' equity
 
$
13,085,866

 
$
12,916,016

 
See accompanying notes to consolidated financial statements (unaudited).

5



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
 
 
Three Months Ended
March 31,
(in thousands, except per share data)
 
2020
 
2019
Interest revenue:
 
 
 
 
Loans, including fees
 
$
118,063

 
$
115,259

Investment securities, including tax exempt of $1,523 and $1,169
 
17,394

 
20,818

Deposits in banks and short-term investments
 
1,090

 
439

Total interest revenue
 
136,547

 
136,516

 
 
 
 
 
Interest expense:
 
 
 
 
Deposits
 
15,075

 
15,957

Short-term borrowings
 
1

 
161

Federal Home Loan Bank advances
 
1

 
1,422

Long-term debt
 
2,864

 
3,342

Total interest expense
 
17,941

 
20,882

Net interest revenue
 
118,606

 
115,634

Provision for credit losses
 
22,191

 
3,300

Net interest revenue after provision for credit losses
 
96,415

 
112,334

 
 
 
 
 
Noninterest income:
 
 
 
 
Service charges and fees
 
8,638

 
8,453

Mortgage loan gains and other related fees
 
8,310

 
3,748

Brokerage fees
 
1,640

 
1,337

Gains from sales of other loans, net
 
1,674

 
1,303

Securities losses, net
 

 
(267
)
Other
 
5,552

 
6,394

Total noninterest income
 
25,814

 
20,968

Total revenue
 
122,229

 
133,302

 
 
 
 
 
Noninterest expenses:
 
 
 
 
Salaries and employee benefits
 
51,358

 
47,503

Communications and equipment
 
5,946

 
5,788

Occupancy
 
5,714

 
5,584

Advertising and public relations
 
1,274

 
1,286

Postage, printing and supplies
 
1,670

 
1,586

Professional fees
 
4,097

 
3,161

Lending and loan servicing expense
 
2,293

 
2,334

Outside services - electronic banking
 
1,832

 
1,609

FDIC assessments and other regulatory charges
 
1,484

 
1,710

Amortization of intangibles
 
1,040

 
1,293

Merger-related and other charges
 
808

 
546

Other
 
4,022

 
3,684

Total noninterest expenses
 
81,538

 
76,084

Net income before income taxes
 
40,691

 
57,218

Income tax expense
 
8,807

 
12,956

Net income
 
$
31,884

 
$
44,262

 
 
 
 
 
Net income available to common shareholders
 
$
31,641

 
$
43,947

 
 
 
 
 
Net income per common share:
 
 
 
 
Basic
 
$
0.40

 
$
0.55

Diluted
 
0.40

 
0.55

Weighted average common shares outstanding:
 
 
 
 
Basic
 
79,340

 
79,807

Diluted
 
79,446

 
79,813


See accompanying notes to consolidated financial statements (unaudited). 

6



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
(in thousands)
 
Three Months Ended March 31,
 
 
Before-tax
Amount
 
Tax
(Expense)
Benefit
 
Net of Tax
Amount
2020
 
 
 
 
 
 
Net income
 
$
40,691

 
$
(8,807
)
 
$
31,884

Other comprehensive income:
 
 
 
 
 
 
Unrealized gains on available-for-sale securities
 
13,685

 
(3,433
)
 
10,252

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity
 
83

 
(20
)
 
63

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan
 
214

 
(54
)
 
160

Total other comprehensive income
 
13,982

 
(3,507
)
 
10,475

Comprehensive income
 
$
54,673

 
$
(12,314
)
 
$
42,359

 
 
 
 
 
 
 
2019
 
 
 
 
 
 
Net income
 
$
57,218

 
$
(12,956
)
 
$
44,262

Other comprehensive income:
 
 
 
 
 
 
Unrealized gains on available-for-sale securities:
 
 
 
 
 
 
Unrealized holding gains arising during period
 
33,174

 
(8,049
)
 
25,125

Reclassification adjustment for losses included in net income
 
267

 
(68
)
 
199

Net unrealized gains
 
33,441

 
(8,117
)
 
25,324

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity
 
84

 
(20
)
 
64

Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges
 
102

 
(26
)
 
76

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan
 
174

 
(44
)
 
130

Total other comprehensive income
 
33,801

 
(8,207
)
 
25,594

Comprehensive income
 
$
91,019

 
$
(21,163
)
 
$
69,856


See accompanying notes to consolidated financial statements (unaudited).

7



UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
 
 
 
Three Months Ended March 31,
 
 
(in thousands, except share and per share data)
 
Common Stock
 
Common Stock Issuable
 
Capital Surplus
 
Retained Earnings (Accumulated Deficit)
 
Accumulated Other Comprehensive Income (Loss)
 
Total
 
 
2020
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
79,014

 
$
11,491

 
$
1,496,641

 
$
40,152

 
$
8,394

 
$
1,635,692

 
 
Net income
 
 
 
 
 
 
 
31,884

 
 
 
31,884

 
 
Other comprehensive income
 
 
 
 
 
 
 
 
 
10,475

 
10,475

 
 
Common stock issued to dividend reinvestment plan and
employee benefit plans (8,686 shares)
 
9

 
 
 
190

 
 
 
 
 
199

 
 
Amortization of restricted stock awards
 
 
 
 
 
2,492

 
 
 
 
 
2,492

 
 
Vesting of restricted stock, net of shares surrendered to
cover payroll taxes (24,005 shares issued and 23,967
shares deferred)
 
24

 
665

 
(1,177
)
 
 
 
 
 
(488
)
 
 
Purchases of common stock (826,482 shares)
 
(827
)
 
 
 
(19,955
)
 
 
 
 
 
(20,782
)
 
 
Deferred compensation plan, net, including dividend
equivalents
 
 
 
156

 
 
 
 
 
 
 
156

 
 
Shares issued from deferred compensation plan, net of
shares surrendered to cover payroll taxes (63,606
shares)
 
64

 
(1,778
)
 
528

 
 
 
 
 
(1,186
)
 
 
Common stock dividends ($0.18 per share)
 
 
 
 
 
 
 
(14,301
)
 
 
 
(14,301
)
 
 
Adoption of new accounting standard
 
 
 
 
 
 
 
(3,529
)
 
 
 
(3,529
)
 
 
Balance, March 31, 2020
 
$
78,284

 
$
10,534

 
$
1,478,719

 
$
54,206

 
$
18,869

 
$
1,640,612

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
79,234

 
$
10,744

 
$
1,499,584

 
$
(90,419
)
 
$
(41,589
)
 
$
1,457,554

 
 
Net income
 
 
 
 
 
 
 
44,262

 
 
 
44,262

 
 
Other comprehensive income
 
 
 
 
 
 
 
 
 
25,594

 
25,594

 
 
Exercise of stock options (12,000 shares)