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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
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| ☒ | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | |
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For the Quarterly Period Ended June 30, 2022
OR
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| ☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | |
| | For the Transition Period from ___________ to ___________ | | |
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Commission file number 001-35095
UNITED COMMUNITY BANKS, INC.
(Exact name of registrant as specified in its charter)
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Georgia | | 58-1807304 |
(State of incorporation) | | (I.R.S. Employer Identification No.) |
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125 Highway 515 East | | |
Blairsville, Georgia | | 30512 |
(Address of principal executive offices) | | (Zip code) |
(706) 781-2265
(Registrant’s telephone number, including area code)
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Securities registered pursuant to Section 12(b) of the Act: |
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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.
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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 ☒
There were 106,062,838 shares of the registrant’s common stock, par value $1 per share, outstanding as of July 31, 2022.
UNITED COMMUNITY BANKS, INC.
FORM 10-Q
INDEX
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| Item 1. | Financial Statements | |
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Glossary of Defined Terms
The following terms may be used throughout this report, including the consolidated financial statements and related notes.
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Term | | Definition |
2021 10-K | | United’s Annual Report on Form 10-K for the year ended December 31, 2021 filed with the SEC on February 25, 2022 |
ACL | | Allowance for credit losses |
AFS | | Available-for-sale |
ALCO | | Asset/Liability Management Committee |
AOCI | | Accumulated other comprehensive income (loss) |
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Aquesta | | Aquesta Financial Holdings, Inc. and its wholly-owned subsidiary, Aquesta Bank |
ASU | | Accounting standards update |
Bank | | United Community Bank |
Board | | United Community Banks Inc., Board of Directors |
BOLI | | Bank-owned life insurance |
CECL | | Current expected credit loss model |
CET1 | | Common equity tier 1 |
CME | | Chicago Mercantile Exchange |
Company | | United Community Banks Inc. (interchangeable with "United" below) |
CVA | | Credit valuation adjustment |
FASB | | Financial Accounting Standards Board |
FDIC | | Federal Deposit Insurance Corporation |
Federal Reserve | | Federal Reserve System |
FHLB | | Federal Home Loan Bank |
FinTrust | | FinTrust Capital Partners, LLC, and its operating subsidiaries, FinTrust Capital Advisors, LLC, FinTrust Capital Benefits Group, LLC and FinTrust Brokerage Services, LLC |
FTE | | Fully taxable equivalent |
GAAP | | Accounting principles generally accepted in the United States of America |
GSE | | U.S. government-sponsored enterprise |
HELOC | | Home equity lines of credit |
HFI | | Held for investment |
Holding Company | | United Community Banks, Inc. on an unconsolidated basis |
HTM | | Held-to-maturity |
LIBOR | | London Interbank Offered Rate |
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MD&A | | Management's Discussion and Analysis of Financial Condition and Results of Operations |
MBS | | Mortgage-backed securities |
NOW | | Negotiable order of withdrawal |
NPA | | Nonperforming asset |
OCI | | Other comprehensive income (loss) |
OREO | | Other real estate owned |
PCD | | Purchased credit deteriorated |
PPP | | Paycheck Protection Program |
Progress | | Progress Financial Corporation and its wholly-owned subsidiary, Progress Bank & Trust |
Reliant | | Reliant Bancorp, Inc. and its wholly-owned subsidiary, Reliant Bank |
Report | | Quarterly Report on Form 10-Q |
SBA | | United States Small Business Administration |
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SEC | | Securities and Exchange Commission |
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TDR | | Troubled debt restructuring |
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U.S. Treasury | | United States Department of the Treasury |
United | | United Community Banks, Inc. and its direct and indirect subsidiaries |
USDA | | United States Department of Agriculture |
Cautionary Note Regarding Forward-looking Statements
This Report 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 (including the expected completion date of the Progress transaction), 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;
•COVID-19’s continuing effects on the economic and business environments in which we operate;
•strategic, market, operational, liquidity and interest rate risks associated with our business;
•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 recent, pending or potential future mergers or acquisitions, including our ability to successfully complete acquisitions and therefore, to integrate or expand 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 (e.g., tax), 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, inflation, changing interest rates or other factors;
•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 event or development 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 2021 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 Report, which speaks only as of the date of its filing with the SEC, 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.
Part I. FINANCIAL INFORMATION
Item 1. Financial Statements
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UNITED COMMUNITY BANKS, INC. |
Consolidated Balance Sheets (Unaudited) |
(in thousands, except share data) |
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| | June 30, 2022 | | December 31, 2021 |
ASSETS | | | | |
Cash and due from banks | | $ | 238,310 | | | $ | 144,244 | |
Interest-bearing deposits in banks | | 977,397 | | | 2,147,266 | |
Federal funds and other short-term investments | | — | | | 27,000 | |
Cash and cash equivalents | | 1,215,707 | | | 2,318,510 | |
Debt securities available-for-sale | | 3,960,285 | | | 4,496,824 | |
Debt securities held-to-maturity (fair value $2,431,138 and $1,148,804, respectively) | | 2,722,475 | | | 1,156,098 | |
Loans held for sale | | 40,678 | | | 44,109 | |
Loans and leases held for investment | | 14,541,230 | | | 11,760,346 | |
Less allowance for credit losses - loans and leases | | (136,925) | | | (102,532) | |
Loans and leases, net | | 14,404,305 | | | 11,657,814 | |
Premises and equipment, net | | 286,248 | | | 245,296 | |
Bank owned life insurance | | 299,104 | | | 217,713 | |
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Goodwill and other intangible assets, net | | 782,544 | | | 472,407 | |
Other assets | | 501,662 | | | 338,000 | |
Total assets | | $ | 24,213,008 | | | $ | 20,946,771 | |
LIABILITIES AND SHAREHOLDERS’ EQUITY | | | | |
Liabilities: | | | | |
Deposits: | | | | |
Noninterest-bearing demand | | $ | 8,155,494 | | | $ | 6,956,981 | |
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Interest-bearing deposits | | 12,717,589 | | | 11,284,198 | |
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Total deposits | | 20,873,083 | | | 18,241,179 | |
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Long-term debt | | 324,371 | | | 247,360 | |
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Accrued expenses and other liabilities | | 364,266 | | | 235,987 | |
Total liabilities | | 21,561,720 | | | 18,724,526 | |
Shareholders' equity: | | | | |
Preferred stock, $1 par value: 10,000,000 shares authorized; 4,000 shares Series I issued and outstanding; $25,000 per share liquidation preference | | 96,422 | | | 96,422 | |
Common stock, $1 par value: 200,000,000 shares authorized, 106,033,960 and 89,349,826 shares issued and outstanding, respectively | | 106,034 | | | 89,350 | |
Common stock issuable: 578,251 and 595,705 shares, respectively | | 11,448 | | | 11,288 | |
Capital surplus | | 2,304,608 | | | 1,721,007 | |
Retained earnings | | 396,970 | | | 330,654 | |
Accumulated other comprehensive loss | | (264,194) | | | (26,476) | |
Total shareholders' equity | | 2,651,288 | | | 2,222,245 | |
Total liabilities and shareholders' equity | | $ | 24,213,008 | | | $ | 20,946,771 | |
See accompanying notes to consolidated financial statements (unaudited).
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UNITED COMMUNITY BANKS, INC. |
Consolidated Statements of Income (Unaudited) |
(in thousands, except per share data) |
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| | | Three Months Ended June 30, | | Six Months Ended June 30, | |
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| Interest revenue: | | | | | | | | | |
| Loans, including fees | | $ | 155,266 | | | $ | 128,058 | | | $ | 302,007 | | | $ | 253,784 | | |
| Investment securities, including tax exempt of $2,539, $2,255, $5,194 and $4,405, respectively | | 30,425 | | | 17,542 | | | 54,090 | | | 32,990 | | |
| Deposits in banks and short-term investments | | 1,687 | | | 209 | | | 2,340 | | | 577 | | |
| Total interest revenue | | 187,378 | | | 145,809 | | | 358,437 | | | 287,351 | | |
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| Interest expense: | | | | | | | | | |
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| Deposits | | 4,302 | | | 3,620 | | | 7,433 | | | 8,839 | | |
| Short-term borrowings | | — | | | — | | | — | | | 2 | | |
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| Long-term debt | | 4,173 | | | 3,813 | | | 8,309 | | | 8,070 | | |
| Total interest expense | | 8,475 | | | 7,433 | | | 15,742 | | | 16,911 | | |
| Net interest revenue | | 178,903 | | | 138,376 | | | 342,695 | | | 270,440 | | |
| Provision for (release of) credit losses | | 5,604 | | | (13,588) | | | 28,690 | | | (25,869) | | |
| Net interest revenue after provision for credit losses | | 173,299 | | | 151,964 | | | 314,005 | | | 296,309 | | |
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| Noninterest income: | | | | | | | | | |
| Service charges and fees | | 10,005 | | | 8,335 | | | 19,075 | | | 15,905 | | |
| Mortgage loan gains and other related fees | | 6,971 | | | 11,136 | | | 23,123 | | | 33,708 | | |
| Wealth management fees | | 5,985 | | | 3,822 | | | 11,880 | | | 7,327 | | |
| Gains from sales of other loans, net | | 3,800 | | | 4,123 | | | 6,998 | | | 5,153 | | |
| Lending and loan servicing fees | | 1,586 | | | 2,085 | | | 4,572 | | | 4,245 | | |
| Securities gains (losses), net | | 46 | | | 41 | | | (3,688) | | | 41 | | |
| Other | | 5,065 | | | 6,299 | | | 10,471 | | | 14,167 | | |
| Total noninterest income | | 33,458 | | | 35,841 | | | 72,431 | | | 80,546 | | |
| Total revenue | | 206,757 | | | 187,805 | | | 386,436 | | | 376,855 | | |
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| Noninterest expenses: | | | | | | | | | |
| Salaries and employee benefits | | 69,233 | | | 59,414 | | | 140,239 | | | 119,999 | | |
| Communications and equipment | | 9,675 | | | 7,408 | | | 18,923 | | | 14,611 | | |
| Occupancy | | 8,865 | | | 7,078 | | | 18,243 | | | 14,034 | | |
| Advertising and public relations | | 2,300 | | | 1,493 | | | 3,788 | | | 2,692 | | |
| Postage, printing and supplies | | 1,999 | | | 1,618 | | | 4,118 | | | 3,440 | | |
| Professional fees | | 5,402 | | | 4,928 | | | 9,849 | | | 9,162 | | |
| Lending and loan servicing expense | | 3,047 | | | 3,181 | | | 5,413 | | | 6,058 | | |
| Outside services - electronic banking | | 2,947 | | | 2,285 | | | 5,470 | | | 4,503 | | |
| FDIC assessments and other regulatory charges | | 2,267 | | | 1,901 | | | 4,440 | | | 3,797 | | |
| Amortization of intangibles | | 1,736 | | | 929 | | | 3,529 | | | 1,914 | | |
| Merger-related and other charges | | 7,143 | | | 1,078 | | | 16,159 | | | 2,621 | | |
| Other | | 6,176 | | | 4,227 | | | 9,894 | | | 7,903 | | |
| Total noninterest expenses | | 120,790 | | | 95,540 | | | 240,065 | | | 190,734 | | |
| Income before income taxes | | 85,967 | | | 92,265 | | | 146,371 | | | 186,121 | | |
| Income tax expense | | 19,125 | | |