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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, 2021
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 86,778,590 shares of the registrant’s common stock, par value $1 per share, outstanding as of April 30, 2021.



UNITED COMMUNITY BANKS, INC.
FORM 10-Q
INDEX
 Item 1.Financial Statements. 
  
    
  
    
  
  
    
  
    
  
    
 
    
 
    
 
    
    
 
 
 

2


Glossary of Defined Terms

The following terms may be used throughout this report, including the consolidated financial statements and related notes.

TermDefinition
2020 10-K
Annual Report on Form 10-K for the year ended December 31, 2020
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income (loss)
ASUAccounting standards update
BankUnited Community Bank
BoardUnited Community Banks Inc., Board of Directors
BOLIBank-owned life insurance
CARES ActCoronavirus Aid, Relief, and Economic Security Act
CECLCurrent expected credit loss model
CET1Common equity tier 1
CMEChicago Mercantile Exchange
CompanyUnited Community Banks Incorporated (interchangeable with "United" below)
CVACredit valuation adjustments
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveFederal Reserve System
FHLBFederal Home Loan Bank
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GSEU.S. government-sponsored enterprise
HELOCHome equity lines of credit
Holding CompanyUnited Community Banks, Inc. on an unconsolidated basis
HTMHeld-to-maturity
LIBORLondon Interbank Offered Rate
MD&AManagement's Discussion and Analysis of Financial Condition and Results of Operations
MBSMortgage-backed securities
NOWNegotiable order of withdrawal
NPANonperforming asset
OCIOther comprehensive income (loss)
PCDPurchased credit deteriorated loans
PPPPaycheck Protection Program
ReportQuarterly Report on Form 10-Q
SBAUnited States Small Business Administration
SeasideSeaside National Bank & Trust
SECSecurities and Exchange Commission
TDRTroubled debt restructuring
Three ShoresThree Shores Bancorporation, Inc.
U.S. TreasuryUnited States Department of the Treasury
UnitedUnited Community Banks, Inc. and its direct and indirect subsidiaries
USDAUnited States Department of Agriculture
3


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. Forward-looking statements are neither statements of historical fact nor assurance of future performance and 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 our future performance, operations, products and services, and should be viewed with caution.

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. 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 referenced in 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 continuing 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 LIBOR as an interest rate benchmark, and 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 anticipated adverse conditions greater 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 ACL resulting from the 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, such as goodwill;
limitations on our ability to declare and pay 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 undertake other capital initiatives, such as share repurchases; 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 SEC and available at the SEC’s website at http://www.sec.gov. We do not intend to and, except as required by law, 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 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,
2021
December 31,
2020
ASSETS  
Cash and due from banks$126,164 $148,896 
Interest-bearing deposits in banks1,207,949 1,459,723 
Cash and cash equivalents1,334,113 1,608,619 
Debt securities available-for-sale3,744,280 3,224,721 
Debt securities held-to-maturity (fair value $586,828 and $437,193, respectively)
587,696 420,361 
Loans held for sale at fair value164,979 105,433 
Loans and leases held for investment11,678,544 11,370,815 
Less allowance for credit losses - loans and leases(126,866)(137,010)
Loans and leases, net11,551,678 11,233,805 
Premises and equipment, net216,752 218,489 
Bank owned life insurance202,817 201,969 
Accrued interest receivable46,278 47,672 
Net deferred tax asset39,338 38,411 
Derivative financial instruments63,897 86,666 
Goodwill and other intangible assets, net380,838 381,823 
Other assets224,242 226,405 
Total assets$18,556,908 $17,794,374 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,058,439 $5,390,291 
Interest-bearing deposits9,934,781 9,842,067 
Total deposits15,993,220 15,232,358 
Long-term debt311,591 326,956 
Derivative financial instruments33,455 29,003 
Accrued expenses and other liabilities187,558 198,527 
Total liabilities16,525,824 15,786,844 
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
96,422 96,422 
Common stock, $1 par value: 150,000,000 shares authorized; 86,776,508 and 86,675,279 shares issued and outstanding, respectively
86,777 86,675 
Common stock issuable: 565,904 and 600,834 shares, respectively
10,485 10,855 
Capital surplus1,640,583 1,638,999 
Retained earnings192,185 136,869 
Accumulated other comprehensive income4,632 37,710 
Total shareholders' equity2,031,084 2,007,530 
Total liabilities and shareholders' equity$18,556,908 $17,794,374 
 
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)20212020
Interest revenue:
Loans, including fees$125,726 $118,063 
Investment securities, including tax exempt of $2,150 and $1,523, respectively
15,448 17,394 
Deposits in banks and short-term investments368 1,090 
Total interest revenue141,542 136,547 
Interest expense:
Deposits5,219 15,075 
Short-term borrowings 1 
Federal Home Loan Bank advances2 1 
Long-term debt4,257 2,864 
Total interest expense9,478 17,941 
Net interest revenue132,064 118,606 
(Release of) provision for credit losses(12,281)22,191 
Net interest revenue after provision for credit losses144,345 96,415 
Noninterest income:
Service charges and fees7,570 8,638 
Mortgage loan gains and other related fees22,572 8,310 
Wealth management fees3,505 1,640 
Gains from sales of other loans, net1,030 1,674 
Other10,028 5,552 
Total noninterest income44,705 25,814 
Total revenue189,050 122,229 
Noninterest expenses:
Salaries and employee benefits60,585 51,358 
Communications and equipment7,203 5,946 
Occupancy6,956 5,714 
Advertising and public relations1,199 1,274 
Postage, printing and supplies1,822 1,670 
Professional fees4,234 4,097 
Lending and loan servicing expense2,877 2,293 
Outside services - electronic banking2,218 1,832 
FDIC assessments and other regulatory charges1,896 1,484 
Amortization of intangibles985 1,040 
Merger-related and other charges1,543 808 
Other3,676 4,022 
Total noninterest expenses95,194 81,538 
Net income before income taxes93,856 40,691 
Income tax expense20,150 8,807 
Net income$73,706 $31,884 
Net income available to common shareholders$71,525 $31,641 
Net income per common share:
Basic$0.82 $0.40 
Diluted0.82 0.40 
Weighted average common shares outstanding:
Basic87,322 79,340 
Diluted87,466 79,446 
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
2021
Net income$93,856 $(20,150)$73,706 
Other comprehensive income:
Unrealized losses on available-for-sale securities(50,235)12,550 (37,685)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives arising during the period5,783 (1,477)4,306 
Reclassification of losses on derivative instruments realized in net income144 (37)107 
Net cash flow hedge activity5,927 (1,514)4,413 
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan261 (67)194 
Total other comprehensive loss(44,047)10,969 (33,078)
Comprehensive income$49,809 $(9,181)$40,628 
2020
Net income$40,691 $(8,807)$31,884 
Other comprehensive income:
Unrealized gains on available-for-sale securities13,685 (3,433)10,252 
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity83 (20)63 
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan214 (54)160 
Total other comprehensive income13,982 (3,507)10,475 
Comprehensive income$54,673 $(12,314)$42,359 

See accompanying notes to consolidated financial statements (unaudited).
7


UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
(in thousands except share data) 
Shares of Common StockPreferred StockCommon StockCommon Stock IssuableCapital SurplusRetained EarningsAccumulated
Other Comprehensive Income (Loss)
Total
Balance at December 31, 202086,675,279 $96,422 $86,675 $10,855 $1,638,999 $136,869 $37,710 $2,007,530 
Net income73,706 73,706 
Other comprehensive loss(33,078)(33,078)
Preferred stock dividends(1,719)(1,719)
Common stock dividends ($0.19 per share)
(16,671)(16,671)
Impact of equity-based compensation awards35,170 36 576 404 1,016 
Impact of other United sponsored equity plans66,059 66 (946)1,180 300 
Balance at March 31, 202186,776,508 $96,422 $86,777 $10,485 $1,640,583 $192,185 $4,632 $2,031,084 
Balance at December 31, 201979,013,729 $ $79,014 $11,491 $1,496,641 $40,152 $8,394 $1,635,692 
Net income31,884 31,884 
Other comprehensive income10,475 10,475 
Purchases of common stock(826,482)(827)(19,955)(20,782)
Common stock dividends ($0.18 per share)
(14,301)(14,301)
Impact of equity-based compensation awards24,005 24 665 1,315 2,004 
Impact of other United sponsored equity plans72,292 73 (1,622)718 (831)
Adoption of new accounting standard(3,529)(3,529)
Balance at March 31, 202078,283,544 $ $78,284 $10,534 $1,478,719 $54,206 $18,869 $1,640,612 

See accompanying notes to consolidated financial statements (unaudited).
8


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)
Three Months Ended March 31,
(in thousands)20212020
Operating activities:  
Net income$73,706 $31,884 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation, amortization and accretion, net(681)1,894 
(Release of) provision for credit losses(12,281)22,191 
Stock based compensation1,507 2,492 
Deferred income tax expense9,172 1,292 
Gains from sales of other loans, net(1,030)(1,674)
Changes in assets and liabilities:
Other assets and accrued interest receivable15,165 (45,851)
Accrued expenses and other liabilities8,652 8,456 
Loans held for sale(59,546)(31,475)
Net cash provided by (used in) operating activities34,664 (10,791)
Investing activities:
Debt securities held-to-maturity:
Proceeds from maturities and calls24,629 9,085 
Purchases(192,541)(15,989)
Debt securities available-for-sale:
Proceeds from sales 1,000 
Proceeds from maturities and calls184,352 105,247 
Purchases(759,874)(70,075)
Net increase in loans(292,603)(110,222)
Equity investments, outflows(5,753)(4,330)
Equity investments, inflows4,984  
Proceeds from sales of premises and equipment287 102 
Purchases of premises and equipment(