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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, 2023

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 115,154,699 shares of the registrant’s common stock, par value $1 per share, outstanding as of April 30, 2023.

---

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			37
			Item 3.			Quantitative and Qualitative Disclosures About Market Risk			54
			Item 4.			Controls and Procedures			54
PART II - Other Information
			Item 1.			Legal Proceedings			55
			Item 1A.			Risk Factors			55
			Item 6.			Exhibits			55

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
2022 10-K						United’s Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC on February 24, 2023
ACL						Allowance for credit losses
AFS						Available-for-sale
ALCO						Asset/Liability Management Committee
AOCI						Accumulated other comprehensive income (loss)
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
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
FDM						Modification made to borrowers experiencing financial difficulty
Federal Reserve						Federal Reserve System
First Miami						First Miami Bancorp, Inc.
FHLB						Federal Home Loan Bank
FOMC						Federal Reserve’s Federal Open Markets Committee
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
LIHTC						Low- income housing tax credit
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
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 for the quarterly period ending March 31, 2023
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
VIE						Variable interest entity

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 First Miami 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, the banking sector, 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 NPAs, 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 continuing effects of the COVID-19 pandemic and the potential effects of other pandemics or public health conditions on the economic and business environments in which we operate;

•strategic, market, operational, liquidity and interest rate risks associated with our business;

•potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, replacements of LIBOR and replacement or reform of other interest rate benchmarks, as well as 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;

•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 greater than anticipated adverse conditions 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 our ability to identify and complete future mergers or acquisitions as well as our ability to successfully expand and integrate those 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 or 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 affecting our business;

•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 its ability to pay dividends to shareholders or take other capital actions;

•the potential effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as war or terrorist activities, the Russian invasion of Ukraine, disruptions in our customers’ supply chains, disruptions in transportation, essential utility outages or trade disputes and related tariffs; 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 2022 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.

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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)

						March 31, 2023						December 31, 2022
ASSETS
Cash and due from banks						$	275,962					$	195,771
Interest-bearing deposits in banks						501,719						316,082
Federal funds and other short-term investments						—						135,000
Cash and cash equivalents						777,681						646,853
Debt securities available-for-sale						3,331,139						3,614,333
Debt securities held-to-maturity (fair value $2,206,874 and $2,191,073, respectively)						2,584,081						2,613,648
Loans held for sale						20,390						13,600
Loans and leases held for investment						17,124,703						15,334,627
Less allowance for credit losses - loans and leases						(176,534)						(159,357)
Loans and leases, net						16,948,169						15,175,270
Premises and equipment, net						336,617						298,456
Bank owned life insurance						341,285						299,297
Goodwill and other intangible assets, net						961,244						779,248
Other assets						571,244						568,179
Total assets						$	25,871,850					$	24,008,884
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand						$	7,540,265					$	7,643,081
Interest-bearing deposits						14,464,409						12,233,426
Total deposits						22,004,674						19,876,507
Short-term borrowings						7,219						158,933
Federal Home Loan Bank advances						30,000						550,000
Long-term debt						324,729						324,663
Accrued expenses and other liabilities						427,105						398,107
Total liabilities						22,793,727						21,308,210
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,   115,151,566 and 106,222,758 shares issued and outstanding, respectively						115,152						106,223
Common stock issuable: 579,835 and 607,128 shares, respectively						11,977						12,307
Capital surplus						2,606,403						2,306,366
Retained earnings						542,606						508,844
Accumulated other comprehensive loss						(294,437)						(329,488)
Total shareholders' equity						3,078,123						2,700,674
Total liabilities and shareholders' equity						$	25,871,850					$	24,008,884

 

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)

															Three Months Ended March 31,
																					2023						2022
			Interest revenue:
			Loans, including fees																		$	236,431					$	146,741
			Investment securities, including tax exempt of $2,110 and $2,655, respectively																		39,986						23,665
			Deposits in banks and short-term investments																		3,070						653
			Total interest revenue																		279,487						171,059
			Interest expense:
			Deposits																		57,861						3,131
			Short-term borrowings																		1,148						—
			Federal Home Loan Bank advances																		5,112						—
			Long-term debt																		3,896						4,136
			Total interest expense																		68,017						7,267
			Net interest revenue																		211,470						163,792
			Provision for credit losses																		21,783						23,086
			Net interest revenue after provision for credit losses																		189,687						140,706
			Noninterest income:
			Service charges and fees																		8,699						9,070
			Mortgage loan gains and other related fees																		4,521						16,152
			Wealth management fees																		5,724						5,895
			Gains from sales of other loans, net																		1,916						3,198
			Lending and loan servicing fees																		4,016						2,986
			Securities losses, net																		(1,644)						(3,734)
			Other																		6,977						5,406
			Total noninterest income																		30,209						38,973
			Total revenue																		219,896						179,679
			Noninterest expenses:
			Salaries and employee benefits																		78,698						71,006
			Communications and equipment																		10,008						9,248
			Occupancy																		9,889						9,378
			Advertising and public relations																		2,349						1,488
			Postage, printing and supplies																		2,537						2,119
			Professional fees																		6,072						4,447
			Lending and loan servicing expense																		2,319						2,366
			Outside services - electronic banking																		3,425						2,523
			FDIC assessments and other regulatory charges																		4,001						2,173
			Amortization of intangibles																		3,528						1,793
			Merger-related and other charges																		8,631						9,016
			Other																		8,348						3,718
			Total noninterest expenses																		139,805						119,275
			Income before income taxes																		80,091						60,404
			Income tax expense																		17,791						12,385
			Net income																		$	62,300					$	48,019
			Net income available to common shareholders																		$	60,242					$	46,062
			Net income per common share:
			Basic																		$	0.52					$	0.43
			Diluted																		0.52						0.43
			Weighted average common shares outstanding:
			Basic																		115,451						106,550
			Diluted																		115,715						106,677

See accompanying notes to consolidated financial statements (unaudited). 

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UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Loss) (Unaudited)
(in thousands)

												Three Months Ended March 31,
																								Before-tax Amount						Tax (Expense) Benefit						Net of Tax Amount
2023
Net income																								$	80,091					$	(17,791)					$	62,300
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized holding gains																								43,279						(10,284)						32,995
Reclassification adjustment for losses included in net income																								1,644						(374)						1,270
Net unrealized gains																								44,923						(10,658)						34,265
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale																								2,968						(720)						2,248
Derivative instruments designated as cash flow hedges:
Unrealized holding losses on derivatives																								(1,202)						307						(895)
Gains on derivative instruments realized in net income																								(822)						210						(612)
Net cash flow hedge activity																								(2,024)						517						(1,507)
Amortization of defined benefit pension plan net periodic pension cost components																								61						(16)						45
Total other comprehensive income																								45,928						(10,877)						35,051
Comprehensive income																								$	126,019					$	(28,668)					$	97,351
2022
Net income																								$	60,404					$	(12,385)					$	48,019
Other comprehensive loss:
Unrealized losses on available-for-sale securities:
Unrealized holding losses																								(203,885)						47,973						(155,912)
Reclassification of securities from available-for-sale to held-to-maturity																								57,403						(13,592)						43,811
Reclassification adjustment for losses included in net income																								3,734						(990)						2,744
Net unrealized losses																								(142,748)						33,391						(109,357)
Reclassification of securities from available-for-sale to held-to-maturity																								(57,403)						13,592						(43,811)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives																								5,468						(1,397)						4,071
Losses on derivative instruments realized in net income																								141						(36)						105
Net cash flow hedge activity																								5,609						(1,433)						4,176
Amortization of defined benefit pension plan net periodic pension cost components																								170						(43)						127
Total other comprehensive loss																								(194,372)						45,507						(148,865)
Comprehensive loss																								$	(133,968)					$	33,122					$	(100,846)

See accompanying notes to consolidated financial statements (unaudited).

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UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
(in thousands except share data)

			Shares of Common Stock						Preferred Stock						Common Stock						Common Stock Issuable						Capital Surplus						Retained Earnings						Accumulated Other Comprehensive Income (Loss)						Total
December 31, 2022			106,222,758						96,422						106,223						12,307						2,306,366						508,844						(329,488)						2,700,674
Net income																																	62,300												62,300
Other comprehensive income																																							35,051						35,051
Impact of acquisitions			8,770,531												8,771												297,690																		306,461
Preferred stock dividends																																	(1,719)												(1,719)
Common stock dividends ($0.23 per share)																																	(26,819)												(26,819)
Impact of equity-based compensation awards			121,888												122						498						1,900																		2,520
Impact of other United sponsored equity plans			36,389												36						(828)						447																		(345)
March 31, 2023			115,151,566						$	96,422					$	115,152					$	11,977					$	2,606,403					$	542,606					$	(294,437)					$	3,078,123
December 31, 2021			89,349,826						96,422						89,350						11,288						1,721,007						330,654						(26,476)						2,222,245
Net income																																	48,019												48,019
Other comprehensive loss																																							(148,865)						(148,865)
Impact of acquisitions			16,571,545												16,571												579,805																		596,376
Preferred stock dividends																																	(1,719)												(1,719)
Common stock dividends ($0.21 per share)																																	(22,545)												(22,545)
Impact of equity-based compensation awards			42,923												43						1,444						706																		2,193
Impact of other United sponsored equity plans			60,916												61						(1,421)						671																		(689)
March 31, 2022			106,025,210						$	96,422					$	106,025					$	11,311					$	2,302,189					$	354,409					$	(175,341)					$	2,695,015

See accompanying notes to consolidated financial statements (unaudited).

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UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)
(in thousands)

						Three Months Ended March 31,
						2023						2022
Operating activities:
Net income						$	62,300					$	48,019
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net						12,126