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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 September 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 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

There were 86,620,219 shares of the registrant’s common stock, par value $1 per share, outstanding as of October 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, including United Community Bank (the “Bank”). The Holding Company and the Bank are 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 levels 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 non-bank 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;
3


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;
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; and
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 readers should not 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 speaks 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)September 30,
2020
December 31, 2019
ASSETS  
Cash and due from banks$122,048 $125,844 
Interest-bearing deposits in banks923,591 389,362 
Cash and cash equivalents1,045,639 515,206 
Debt securities available-for-sale2,690,448 2,274,581 
Debt securities held-to-maturity (fair value $413,820 and $287,904, respectively)
398,373 283,533 
Loans held for sale at fair value128,587 58,484 
Loans and leases held for investment11,798,910 8,812,553 
Less allowance for credit losses - loans and leases(134,256)(62,089)
Loans and leases, net11,664,654 8,750,464 
Premises and equipment, net211,885 215,976 
Bank owned life insurance201,515 202,664 
Accrued interest receivable48,091 32,660 
Net deferred tax asset39,818 34,059 
Derivative financial instruments103,388 35,007 
Goodwill and other intangible assets, net384,074 342,247 
Other assets236,405 171,135 
Total assets$17,152,877 $12,916,016 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$5,227,170 $3,477,979 
Interest-bearing deposits9,376,206 7,419,265 
Total deposits14,603,376 10,897,244 
Long-term debt326,703 212,664 
Derivative financial instruments33,519 15,516 
Accrued expenses and other liabilities222,024 154,900 
Total liabilities15,185,622 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 and no shares issued and outstanding, respectively
96,422  
Common stock, $1 par value: 150,000,000 shares authorized;
  86,611,114 and 79,013,729 shares issued and outstanding, respectively
86,611 79,014 
Common stock issuable: 590,521 and 664,640 shares, respectively
10,632 11,491 
Capital surplus1,637,467 1,496,641 
Retained earnings94,938 40,152 
Accumulated other comprehensive income41,185 8,394 
Total shareholders' equity1,967,255 1,635,692 
Total liabilities and shareholders' equity$17,152,877 $12,916,016 
 
See accompanying notes to consolidated financial statements (unaudited).
5



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
Three Months Ended
September 30,
Nine Months Ended
September 30,
(in thousands, except per share data)2020201920202019
Interest revenue:  
Loans, including fees$126,936 $122,645 $352,861 $357,575 
Investment securities, including tax exempt of $1,895, $1,118, $4,988 and $3,409,
  respectively
14,558 17,744 47,567 57,638 
Deposits in banks and short-term investments279 226 1,497 1,074 
Total interest revenue141,773 140,615 401,925 416,287 
Interest expense:
Deposits8,998 17,113 35,344 50,185 
Short-term borrowings2 429 3 838 
Federal Home Loan Bank advances27 521 28 2,695 
Long-term debt4,292 3,214 10,186 9,813 
Total interest expense13,319 21,277 45,561 63,531 
Net interest revenue128,454 119,338 356,364 352,756 
Provision for credit losses21,793 3,100 77,527 9,650 
Net interest revenue after provision for credit losses106,661 116,238 278,837 343,106 
Noninterest income:
Service charges and fees8,260 9,916 23,893 27,429 
Mortgage loan gains and other related fees25,144 8,658 57,113 17,750 
Brokerage and wealth management fees3,055 1,699 6,019 4,624 
Gains from sales of other loans, net1,175 1,639 3,889 4,412 
Securities gains (losses), net746  746 (118)
Other10,302 7,119 23,074 20,433 
Total noninterest income48,682 29,031 114,734 74,530 
Total revenue155,343 145,269 393,571 417,636 
Noninterest expenses:
Salaries and employee benefits59,067 50,501 162,236 146,161 
Communications and equipment6,960 6,223 19,462 18,233 
Occupancy7,050 5,921 18,709 17,424 
Advertising and public relations1,778 1,374 5,312 4,256 
Postage, printing and supplies1,703 1,618 4,986 4,733 
Professional fees5,083 4,715 14,003 11,930 
Lending and loan servicing expense3,043 2,556 8,525 7,509 
Outside services - electronic banking1,888 1,934 5,516 5,101 
FDIC assessments and other regulatory charges1,346 314 4,388 3,571 
Amortization of intangibles1,099 1,210 3,126 3,845 
Merger-related and other charges3,361 2,541 4,566 6,981 
Other3,603 4,017 10,670 11,077 
Total noninterest expenses95,981 82,924 261,499 240,821 
Net income before income taxes59,362 62,345 132,072 176,815 
Income tax expense11,755 13,983 27,485 40,106 
Net income$47,607 $48,362 $104,587 $136,709 
Net income available to common shareholders$45,437 $48,011 $101,994 $135,727 
Net income per common share:
Basic$0.52 $0.60 $1.25 $1.70 
Diluted0.52 0.60 1.25 1.70 
Weighted average common shares outstanding:
Basic87,129 79,663 81,815 79,714 
Diluted87,205 79,667 81,876 79,718 
See accompanying notes to consolidated financial statements (unaudited). 
6



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
(in thousands)Three Months Ended September 30,Nine Months Ended September 30,
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
2020
Net income$59,362 $(11,755)$47,607 $132,072 $(27,485)$104,587 
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized gains on available-for-sale securities941 (