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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, 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 86,627,703 shares of the registrant’s common stock, par value $1 per share, outstanding as of July 31, 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 Inc. (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, subsidiary bank of Three Shores Bancorporation, Inc.
SECSecurities and Exchange Commission
TDRTroubled debt restructuring
Three ShoresThree Shores Bancorporation, Inc., parent company of Seaside National Bank & Trust
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 or current fact nor are they assurances 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 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 pending or 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 2020 10-K (including the “Risk Factor” section of that report), 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)
June 30,
2021
December 31,
2020
ASSETS  
Cash and due from banks$121,589 $148,896 
Interest-bearing deposits in banks1,297,808 1,459,723 
Cash and cash equivalents1,419,397 1,608,619 
Debt securities available-for-sale4,075,781 3,224,721 
Debt securities held-to-maturity (fair value $861,488 and $437,193, respectively)
852,404 420,361 
Loans held for sale at fair value98,194 105,433 
Loans and leases held for investment11,390,746 11,370,815 
Less allowance for credit losses - loans and leases(111,616)(137,010)
Loans and leases, net11,279,130 11,233,805 
Premises and equipment, net224,980 218,489 
Bank owned life insurance203,449 201,969 
Accrued interest receivable43,521 47,672 
Net deferred tax asset32,918 38,411 
Derivative financial instruments58,489 86,666 
Goodwill and other intangible assets, net379,909 381,823 
Other assets227,551 226,405 
Total assets$18,895,723 $17,794,374 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,260,756 $5,390,291 
Interest-bearing deposits10,067,011 9,842,067 
Total deposits16,327,767 15,232,358 
Long-term debt261,919 326,956 
Derivative financial instruments27,089 29,003 
Accrued expenses and other liabilities192,662 198,527 
Total liabilities16,809,437 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: 200,000,000 and 150,000,000 shares authorized, respectively; 86,664,894 and 86,675,279 shares issued and outstanding, respectively
86,665 86,675 
Common stock issuable: 571,580 and 600,834 shares, respectively
10,650 10,855 
Capital surplus1,636,875 1,638,999 
Retained earnings244,006 136,869 
Accumulated other comprehensive income11,668 37,710 
Total shareholders' equity2,086,286 2,007,530 
Total liabilities and shareholders' equity$18,895,723 $17,794,374 
 
See accompanying notes to consolidated financial statements (unaudited).
5


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
(in thousands, except per share data)
Three Months Ended
June 30,
Six Months Ended
June 30,
2021202020212020
Interest revenue:  
Loans, including fees$128,058 $107,862 $253,784 $225,925 
Investment securities, including tax exempt of $2,255 and $1,570 and $4,405 and $3,093, respectively
17,542 15,615 32,990 33,009 
Deposits in banks and short-term investments209 128 577 1,218 
Total interest revenue145,809 123,605 287,351 260,152 
Interest expense:
Deposits3,620 11,271 8,839 26,346 
Short-term borrowings  2 2 
Long-term debt3,813 3,030 8,070 5,894 
Total interest expense7,433 14,301 16,911 32,242 
Net interest revenue138,376 109,304 270,440 227,910 
(Release of) provision for credit losses(13,588)33,543 (25,869)55,734 
Net interest revenue after provision for credit losses151,964 75,761 296,309 172,176 
Noninterest income:
Service charges and fees8,335 6,995 15,905 15,633 
Mortgage loan gains and other related fees11,136 23,659 33,708 31,969 
Wealth management fees3,822 1,324 7,327 2,964 
Gains from sales of other loans, net4,123 1,040 5,153 2,714 
Securities gains, net41  41  
Other8,384 7,220 18,412 12,772 
Total noninterest income35,841 40,238 80,546 66,052 
Total revenue187,805 115,999 376,855 238,228 
Noninterest expenses:
Salaries and employee benefits59,414 51,811 119,999 103,169 
Communications and equipment7,408 6,556 14,611 12,502 
Occupancy7,078 5,945 14,034 11,659 
Advertising and public relations1,493 2,260 2,692 3,534 
Postage, printing and supplies1,618 1,613 3,440 3,283 
Professional fees4,928 4,823 9,162 8,920 
Lending and loan servicing expense3,181 3,189 6,058 5,482 
Outside services - electronic banking2,285 1,796 4,503 3,628 
FDIC assessments and other regulatory charges1,901 1,558 3,797 3,042 
Amortization of intangibles929 987 1,914 2,027 
Merger-related and other charges1,078 397 2,621 1,205 
Other4,227 3,045 7,903 7,067 
Total noninterest expenses95,540 83,980 190,734 165,518 
Income before income taxes92,265 32,019 186,121 72,710 
Income tax expense22,005 6,923 42,155 15,730 
Net income$70,260 $25,096 $143,966 $56,980 
Net income available to common shareholders$68,109 $24,913 $139,634 $56,554 
Net income per common share:
Basic$0.78 $0.32 $1.60 $0.71 
Diluted0.78 0.32 1.60 0.71 
Weighted average common shares outstanding:
Basic87,289 78,920 87,306 79,130 
Diluted87,421 78,924 87,443 79,186 

See accompanying notes to consolidated financial statements (unaudited). 
6



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
(in thousands)
Three Months Ended June 30,Six Months Ended June 30,
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
2021
Net income$92,265 $(22,005)$70,260 $186,121 $(42,155)$143,966 
Other comprehensive income:
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses) arising during the period10,268 (1,470)8,798 (39,967)11,080 (28,887)
Reclassification adjustment for gains included in net income(41)14