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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 June 30, 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

Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock

UCBIO

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 86,472,479 shares outstanding as of July 31, 2020.

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INDEX

PART I - Financial Information

Item 1.

Financial Statements.

Consolidated Balance Sheets (unaudited) at June 30, 2020 and December 31, 2019

5

Consolidated Statements of Income (unaudited) for the Three and Six Months Ended June 30, 2020 and 2019

6

Consolidated Statements of Comprehensive Income (unaudited) for the Three and Six Months Ended June 30, 2020 and 2019

7

Consolidated Statements of Changes in Shareholders’ Equity (unaudited) for the Three and Six Months Ended June 30, 2020 and 2019

8

Consolidated Statements of Cash Flows (unaudited) for the Six Months Ended June 30, 2020 and 2019

9

Notes to Consolidated Financial Statements

10

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations.

42

Item 3.

Quantitative and Qualitative Disclosures About Market Risk.

64

Item 4.

Controls and Procedures.

64

PART II - Other Information

Item 1.

Legal Proceedings.

65

Item 1A.

Risk Factors.

65

Item 6.

Exhibits.

66

2

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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;

3

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•any matter that would cause us to conclude that there was impairment of any asset, including intangible assets;

•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. We do not intend to and hereby disclaim 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

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Part I. FINANCIAL INFORMATION

Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)

(in thousands, except share data)						June 30, 2020						December 31, 2019
ASSETS
Cash and due from banks						$	125,255					$	125,844
Interest-bearing deposits in banks						1,203,706						389,362
Cash and cash equivalents						1,328,961						515,206
Debt securities available-for-sale						2,125,209						2,274,581
Debt securities held-to-maturity (fair value $320,253 and $287,904)						306,638						283,533
Loans held for sale at fair value						99,477						58,484
Loans and leases held for investment						10,132,510						8,812,553
Less allowance for credit losses - loans and leases						(103,669)						(62,089)
Loans and leases, net						10,028,841						8,750,464
Premises and equipment, net						211,972						215,976
Bank owned life insurance						200,699						202,664
Accrued interest receivable						37,774						32,660
Net deferred tax asset						27,362						34,059
Derivative financial instruments						94,434						35,007
Goodwill and other intangible assets, net						340,220						342,247
Other assets						203,300						171,135
Total assets						$	15,004,887					$	12,916,016
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand						$	4,689,545					$	3,477,979
Interest-bearing deposits						8,012,540						7,419,265
Total deposits						12,702,085						10,897,244
Long-term debt						311,631						212,664
Derivative financial instruments						24,685						15,516
Accrued expenses and other liabilities						194,841						154,900
Total liabilities						13,233,242						11,280,324
Shareholders' equity:
Preferred stock; $1 par value; 10,000,000 shares authorized;   Series I, $25,000 per share liquidation preference; 4,000 shares issued and outstanding						96,660						—
Common stock, $1 par value; 150,000,000 shares authorized;   78,335,127 and 79,013,729 shares issued and outstanding						78,335						79,014
Common stock issuable; 596,785 and 664,640 shares						10,646						11,491
Capital surplus						1,480,464						1,496,641
Retained earnings						64,990						40,152
Accumulated other comprehensive income						40,550						8,394
Total shareholders' equity						1,771,645						1,635,692
Total liabilities and shareholders' equity						$	15,004,887					$	12,916,016

 

See accompanying notes to consolidated financial statements (unaudited).

5

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UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)

									Three Months Ended June 30,																		Six Months Ended June 30,
			(in thousands, except per share data)						2020						2019						2020						2019
			Interest revenue:
			Loans, including fees						$	107,862					$	119,671					$	225,925					$	234,930
			Investment securities, including tax exempt of $1,570 and $1,122 and $3,093 and $2,291						15,615						19,076						33,009						39,894
			Deposits in banks and short-term investments						128						409						1,218						848
			Total interest revenue						123,605						139,156						260,152						275,672
			Interest expense:
			Deposits						11,271						17,115						26,346						33,072
			Short-term borrowings						—						248						1						409
			Federal Home Loan Bank advances						—						752						1						2,174
			Long-term debt						3,030						3,257						5,894						6,599
			Total interest expense						14,301						21,372						32,242						42,254
			Net interest revenue						109,304						117,784						227,910						233,418
			Provision for credit losses						33,543						3,250						55,734						6,550
			Net interest revenue after provision for credit losses						75,761						114,534						172,176						226,868
			Noninterest income:
			Service charges and fees						6,995						9,060						15,633						17,513
			Mortgage loan gains and other related fees						23,659						5,344						31,969						9,092
			Brokerage fees						1,324						1,588						2,964						2,925
			Gains from sales of other loans, net						1,040						1,470						2,714						2,773
			Securities gains (losses), net						—						149						—						(118)
			Other						7,220						6,920						12,772						13,314
			Total noninterest income						40,238						24,531						66,052						45,499
			Total revenue						115,999						139,065						238,228						272,367
			Noninterest expenses:
			Salaries and employee benefits						51,811						48,157						103,169						95,660
			Communications and equipment						6,556						6,222						12,502						12,010
			Occupancy						5,945						5,919						11,659						11,503
			Advertising and public relations						2,260						1,596						3,534						2,882
			Postage, printing and supplies						1,613						1,529						3,283						3,115
			Professional fees						4,823						4,054						8,920						7,215
			Lending and loan servicing expense						3,189						2,619						5,482						4,953
			Outside services - electronic banking						1,796						1,558						3,628						3,167
			FDIC assessments and other regulatory charges						1,558						1,547						3,042						3,257