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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,Georgia30512
(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 ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common stock, par value $1 per shareUCBINasdaq Global Select Market
Depositary shares, each representing 1/1000th interest in a share of
Series I Non-Cumulative Preferred Stock
UCBIONasdaq 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 filerAccelerated filer
Non-accelerated filerSmaller 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.



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;
3


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


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 banks1,203,706  389,362  
Cash and cash equivalents1,328,961  515,206  
Debt securities available-for-sale2,125,209  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 value99,477  58,484  
Loans and leases held for investment10,132,510  8,812,553  
Less allowance for credit losses - loans and leases(103,669) (62,089) 
Loans and leases, net10,028,841  8,750,464  
Premises and equipment, net211,972  215,976  
Bank owned life insurance200,699  202,664  
Accrued interest receivable37,774  32,660  
Net deferred tax asset27,362  34,059  
Derivative financial instruments94,434  35,007  
Goodwill and other intangible assets, net340,220  342,247  
Other assets203,300  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 deposits8,012,540  7,419,265  
Total deposits12,702,085  10,897,244  
Long-term debt311,631  212,664  
Derivative financial instruments24,685  15,516  
Accrued expenses and other liabilities194,841  154,900  
Total liabilities13,233,242  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 surplus1,480,464  1,496,641  
Retained earnings64,990  40,152  
Accumulated other comprehensive income40,550  8,394  
Total shareholders' equity1,771,645  1,635,692  
Total liabilities and shareholders' equity$15,004,887  $12,916,016  
 
See accompanying notes to consolidated financial statements (unaudited).
5



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)2020201920202019
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 investments128  409  1,218  848  
Total interest revenue123,605  139,156  260,152  275,672  
Interest expense:
Deposits11,271  17,115  26,346  33,072  
Short-term borrowings  248  1  409  
Federal Home Loan Bank advances  752  1  2,174  
Long-term debt3,030  3,257  5,894  6,599  
Total interest expense14,301  21,372  32,242  42,254  
Net interest revenue109,304  117,784  227,910  233,418  
Provision for credit losses33,543  3,250  55,734  6,550  
Net interest revenue after provision for credit losses75,761  114,534  172,176  226,868  
Noninterest income:
Service charges and fees6,995  9,060  15,633  17,513  
Mortgage loan gains and other related fees23,659  5,344  31,969  9,092  
Brokerage fees1,324  1,588  2,964  2,925  
Gains from sales of other loans, net1,040  1,470  2,714  2,773  
Securities gains (losses), net  149    (118) 
Other7,220  6,920  12,772  13,314  
Total noninterest income40,238  24,531  66,052  45,499  
Total revenue115,999  139,065  238,228  272,367  
Noninterest expenses:
Salaries and employee benefits51,811  48,157  103,169  95,660  
Communications and equipment6,556  6,222  12,502  12,010  
Occupancy5,945  5,919  11,659  11,503  
Advertising and public relations2,260  1,596  3,534  2,882  
Postage, printing and supplies1,613  1,529  3,283  3,115  
Professional fees