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



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
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
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income (loss)
Aquesta
Aquesta Financial Holdings, Inc. and its wholly-owned subsidiary, Aquesta Bank
ASUAccounting standards update
BankUnited Community Bank
BoardUnited Community Banks Inc., Board of Directors
BOLIBank-owned life insurance
CECLCurrent expected credit loss model
CET1Common equity tier 1
CMEChicago Mercantile Exchange
CompanyUnited Community Banks Inc. (interchangeable with "United" below)
CVACredit valuation adjustment
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveFederal Reserve System
FHLBFederal 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
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GSEU.S. government-sponsored enterprise
HELOCHome equity lines of credit
HFIHeld for investment
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)
OREOOther real estate owned
PCDPurchased credit deteriorated
PPPPaycheck 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
ReportQuarterly Report on Form 10-Q
SBAUnited States Small Business Administration
SECSecurities and Exchange Commission
TDRTroubled debt restructuring
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 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


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 banks216,496 2,147,266 
Federal funds and other short-term investments45,000 27,000 
Cash and cash equivalents484,020 2,318,510 
Debt securities available-for-sale3,862,886 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 investment14,882,484 11,760,346 
Less allowance for credit losses - loans and leases(148,502)(102,532)
Loans and leases, net14,733,982 11,657,814 
Premises and equipment, net288,597 245,296 
Bank owned life insurance300,365 217,713 
Goodwill and other intangible assets, net780,868 472,407 
Other assets538,765 338,000 
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 deposits12,123,013 11,284,198 
Total deposits20,321,142 18,241,179 
Long-term debt324,515 247,360 
Accrued expenses and other liabilities407,488 235,987 
Total liabilities21,053,145 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 surplus2,304,514 1,721,007 
Retained earnings452,788 330,654 
Accumulated other comprehensive loss(337,143)(26,476)
Total shareholders' equity2,634,710 2,222,245 
Total liabilities and shareholders' equity$23,687,855 $20,946,771 
 
See accompanying notes to consolidated financial statements (unaudited).
5


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,
2022202120222021
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 investments2,869 658 5,209 1,235 
Total interest revenue213,887 147,675 572,324 435,026 
Interest expense:
Deposits9,880 3,142 17,313 11,981 
Short-term borrowings27  27 2 
Long-term debt4,206 3,494 12,515 11,564 
Total interest expense14,113 6,636 29,855 23,547 
Net interest revenue199,774 141,039 542,469 411,479 
Provision for (release of) credit losses15,392 (11,034)44,082 (36,903)
Net interest revenue after provision for credit losses184,382 152,073 498,387 448,382 
Noninterest income:
Service charges and fees9,569 9,350 28,644 25,255 
Mortgage loan gains and other related fees6,297 13,828 29,420 47,536 
Wealth management fees5,879 5,554 17,759 12,881 
Gains from sales of other loans, net2,228 2,353 9,226 7,506 
Lending and loan servicing fees2,946 2,825 7,518 7,070 
Securities gains (losses), net  (3,688)41 
Other5,003 6,185 15,474 20,352 
Total noninterest income31,922 40,095 104,353 120,641 
Total revenue216,304 192,168 602,740 569,023 
Noninterest expenses:
Salaries and employee benefits67,823 60,458 208,062 180,457 
Communications and equipment8,795 7,368 27,718 21,979 
Occupancy9,138 7,096 27,381 21,130 
Advertising and public relations2,544 1,458 6,332 4,150 
Postage, printing and supplies2,190 1,731 6,308 5,171 
Professional fees4,821 5,347 14,670 14,509 
Lending and loan servicing expense2,333 2,450 7,746 8,508 
Outside services - electronic banking3,159 2,308 8,629 6,811 
FDIC assessments and other regulatory charges2,356 1,723 6,796 5,520 
Amortization of intangibles1,678 1,028 5,207 2,942 
Merger-related and other charges1,746 1,437 17,905 4,058 
Other6,172 4,345 16,066 12,248 
Total noninterest expenses112,755 96,749 352,820 287,483 
Income before income taxes