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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, 2022

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 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.

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 106,169,829 shares of the registrant’s common stock, par value $1 per share, outstanding as of October 31, 2022.

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UNITED COMMUNITY BANKS, INC.

FORM 10-Q

INDEX

						Glossary of Defined Terms			3
						Cautionary Note Regarding Forward-looking Statements			4
PART I - Financial Information
			Item 1.			Financial Statements
						Consolidated Balance Sheets (unaudited)			5
						Consolidated Statements of Income (unaudited)			6
						Consolidated Statements of Comprehensive Income (unaudited)			7
						Consolidated Statements of Changes in Shareholders’ Equity (unaudited)			8
						Consolidated Statements of Cash Flows (unaudited)			9
						Notes to Consolidated Financial Statements			10
			Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			39
			Item 3.			Quantitative and Qualitative Disclosures About Market Risk			59
			Item 4.			Controls and Procedures			59
PART II - Other Information
			Item 1.			Legal Proceedings			60
			Item 1A.			Risk Factors			60
			Item 5.			Other Information.			60
			Item 6.			Exhibits			61

2

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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.

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)
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
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
SEC						Securities and Exchange Commission
TDR						Troubled debt restructuring
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

3

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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.

4

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Part I. FINANCIAL INFORMATION

Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)
(in thousands, except share data)

						September 30, 2022						December 31, 2021
ASSETS
Cash and due from banks						$	222,524					$	144,244
Interest-bearing deposits in banks						216,496						2,147,266
Federal funds and other short-term investments						45,000						27,000
Cash and cash equivalents						484,020						2,318,510
Debt securities available-for-sale						3,862,886						4,496,824
Debt securities held-to-maturity (fair value $2,241,160 and $1,148,804, respectively)						2,676,405						1,156,098
Loans held for sale						21,967						44,109
Loans and leases held for investment						14,882,484						11,760,346
Less allowance for credit losses - loans and leases						(148,502)						(102,532)
Loans and leases, net						14,733,982						11,657,814
Premises and equipment, net						288,597						245,296
Bank owned life insurance						300,365						217,713
Goodwill and other intangible assets, net						780,868						472,407
Other assets						538,765						338,000
Total assets						$	23,687,855					$	20,946,771
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand						$	8,198,129					$	6,956,981
Interest-bearing deposits						12,123,013						11,284,198
Total deposits						20,321,142						18,241,179
Long-term debt						324,515						247,360
Accrued expenses and other liabilities						407,488						235,987
Total liabilities						21,053,145						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,   106,162,861 and 89,349,826 shares issued and outstanding, respectively						106,163						89,350
Common stock issuable: 596,365 and 595,705 shares, respectively						11,966						11,288
Capital surplus						2,304,514						1,721,007
Retained earnings						452,788						330,654
Accumulated other comprehensive loss						(337,143)						(26,476)
Total shareholders' equity						2,634,710						2,222,245
Total liabilities and shareholders' equity						$	23,687,855					$	20,946,771

 

See accompanying notes to consolidated financial statements (unaudited).

5

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UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
(in thousands, except per share data)

									Three Months Ended September 30,												Nine Months Ended September 30,
									2022						2021						2022						2021
			Interest revenue:
			Loans, including fees						$	174,065					$	128,477					$	476,072					$	382,261
			Investment securities, including tax exempt of $2,568, $2,280, $7,762 and $6,685, respectively						36,953						18,540						91,043						51,530
			Deposits in banks and short-term investments						2,869						658						5,209						1,235
			Total interest revenue						213,887						147,675						572,324						435,026
			Interest expense:
			Deposits						9,880						3,142						17,313						11,981
			Short-term borrowings						27						—						27						2
			Long-term debt						4,206						3,494						12,515						11,564
			Total interest expense						14,113						6,636						29,855						23,547
			Net interest revenue						199,774						141,039						542,469						411,479
			Provision for (release of) credit losses						15,392						(11,034)						44,082						(36,903)
			Net interest revenue after provision for credit losses						184,382						152,073						498,387						448,382
			Noninterest income:
			Service charges and fees						9,569						9,350						28,644						25,255
			Mortgage loan gains and other related fees						6,297						13,828						29,420						47,536
			Wealth management fees						5,879						5,554						17,759						12,881
			Gains from sales of other loans, net						2,228						2,353						9,226						7,506
			Lending and loan servicing fees						2,946						2,825						7,518						7,070
			Securities gains (losses), net						—						—						(3,688)						41
			Other						5,003						6,185						15,474						20,352
			Total noninterest income						31,922						40,095						104,353						120,641
			Total revenue						216,304						192,168						602,740						569,023
			Noninterest expenses:
			Salaries and employee benefits						67,823						60,458						208,062						180,457
			Communications and equipment						8,795						7,368						27,718						21,979
			Occupancy						9,138						7,096						27,381						21,130
			Advertising and public relations						2,544						1,458						6,332						4,150
			Postage, printing and supplies						2,190						1,731						6,308						5,171
			Professional fees						4,821						5,347						14,670						14,509
			Lending and loan servicing expense						2,333						2,450						7,746						8,508
			Outside services - electronic banking						3,159						2,308						8,629						6,811
			FDIC assessments and other regulatory charges						2,356						1,723						6,796						5,520
			Amortization of intangibles						1,678						1,028						5,207						2,942
			Merger-related and other charges						1,746						1,437						17,905						4,058
			Other						6,172						4,345						16,066						12,248
			Total noninterest expenses						112,755						96,749						352,820