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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, 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 118,853,361 shares of the registrant’s common stock, par value $1 per share, outstanding as of July 31, 2023.

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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 2.			Unregistered Sales of Equity Securities and Use of Proceeds.			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
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)
ARR						Alternative reference rate
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. and its wholly-owned subsidiary, First National Bank of South Miami
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
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 June 30, 2023
SBA						United States Small Business Administration
SEC						Securities and Exchange Commission
SOFR						Secured Overnight Financing Rate
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, 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;

•the potential effects of 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.

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)

						June 30, 2023						December 31, 2022
ASSETS
Cash and due from banks						$	267,075					$	195,771
Interest-bearing deposits in banks						443,661						316,082
Federal funds and other short-term investments						—						135,000
Cash and cash equivalents						710,736						646,853
Debt securities available-for-sale						3,359,989						3,614,333
Debt securities held-to-maturity (fair value $2,132,396 and $2,191,073, respectively)						2,553,835						2,613,648
Loans held for sale						27,104						13,600
Loans and leases held for investment						17,394,845						15,334,627
Less allowance for credit losses - loans and leases						(190,705)						(159,357)
Loans and leases, net						17,204,140						15,175,270
Premises and equipment, net						353,317						298,456
Bank owned life insurance						342,966						299,297
Goodwill and other intangible assets, net						957,823						779,248
Other assets						610,287						568,179
Total assets						$	26,120,197					$	24,008,884
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand						$	6,970,668					$	7,643,081
Interest-bearing deposits						15,281,320						12,233,426
Total deposits						22,251,988						19,876,507
Short-term borrowings						—						158,933
Federal Home Loan Bank advances						—						550,000
Long-term debt						324,754						324,663
Accrued expenses and other liabilities						437,864						398,107
Total liabilities						23,014,606						21,308,210
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,989 and 4,000 shares Series I issued and   outstanding, respectively; $25,000 per share liquidation preference						96,165						96,422
Common stock, $1 par value: 200,000,000 shares authorized,   115,265,912 and 106,222,758 shares issued and outstanding, respectively						115,266						106,223
Common stock issuable: 587,775 and 607,128 shares, respectively						12,228						12,307
Capital surplus						2,610,523						2,306,366
Retained earnings						577,316						508,844
Accumulated other comprehensive loss						(305,907)						(329,488)
Total shareholders' equity						3,105,591						2,700,674
Total liabilities and shareholders' equity						$	26,120,197					$	24,008,884

 

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 June 30,												Six Months Ended June 30,
									2023						2022						2023						2022
			Interest revenue:
			Loans, including fees						$	250,484					$	155,266					$	486,915					$	302,007
			Investment securities, including tax exempt of $1,731, $2,539, $3,841 and $5,194, respectively						41,060						30,425						81,046						54,090
			Deposits in banks and short-term investments						4,231						1,687						7,301						2,340
			Total interest revenue						295,775						187,378						575,262						358,437
			Interest expense:
			Deposits						89,217						4,302						147,078						7,433
			Short-term borrowings						1,849						—						2,997						—
			Federal Home Loan Bank advances						649						—						5,761						—
			Long-term debt						3,774						4,173						7,670						8,309
			Total interest expense						95,489						8,475						163,506						15,742
			Net interest revenue						200,286						178,903						411,756						342,695
			Provision for credit losses						22,753						5,604						44,536						28,690
			Net interest revenue after provision for credit losses						177,533						173,299						367,220						314,005
			Noninterest income:
			Service charges and fees						9,777						10,005						18,476						19,075
			Mortgage loan gains and other related fees						6,584						6,971						11,105						23,123
			Wealth management fees						5,600						5,985						11,324						11,880
			Gains from sales of other loans, net						2,305						3,800						4,221						6,998
			Lending and loan servicing fees						2,978						1,586						6,994						4,572
			Securities gains (losses), net						—						46						(1,644)						(3,688)
			Other						9,143						5,065						16,120						10,471
			Total noninterest income						36,387						33,458						66,596						72,431
			Total revenue						213,920						206,757						433,816						386,436
			Noninterest expenses:
			Salaries and employee benefits						76,250						69,233						154,948						140,239
			Communications and equipment						10,744						9,675						20,752						18,923
			Occupancy						10,194						8,865						20,083						18,243
			Advertising and public relations						2,314						2,300						4,663						3,788
			Postage, printing and supplies						2,382						1,999						4,919						4,118
			Professional fees						6,592						5,402						12,664						9,849
			Lending and loan servicing expense						2,530						3,047						4,849						5,413
			Outside services - electronic banking						2,660						2,947						6,085						5,470
			FDIC assessments and other regulatory charges						4,142						2,267						8,143						4,440
			Amortization of intangibles						3,421						1,736						6,949						3,529
			Merger-related and other charges						3,645						7,143						12,276						16,159
			Other						7,533						6,176						15,881						9,894
			Total noninterest expenses						132,407						120,790						272,212						240,065
			Income before income taxes						81,513						85,967						161,604						146,371
			Income tax expense						18,225						19,125						36,016						31,510
			Net income						$	63,288					$	66,842					$	125,588					$	114,861
			Net income available to common shareholders						$	61,227					$	64,761					$	121,470					$	110,827
			Net income per common share:
			Basic						$	0.53					$	0.61					$	1.05					$	1.04
			Diluted						0.53						0.61						1.05						1.04
			Weighted average common shares outstanding:
			Basic						115,774						106,610						115,614						106,580
			Diluted						115,869						106,716						115,795						106,697

See accompanying notes to consolidated financial statements (unaudited). 

6

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UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Loss) (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
2023
Net income						$	81,513					$	(18,225)					$	63,288					$	161,604					$	(36,016)					$	125,588
Other comprehensive income:
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses)						(19,753)						4,782						(14,971)						23,526						(5,502)						18,024
Reclassification adjustment for losses included in net income						—						—						—						1,644						(374)						1,270
Net unrealized gains (losses)						(19,753)						4,782						(14,971)						25,170						(5,876)						19,294
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale						2,518						(604)						1,914						5,486						(1,324)						4,162
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives						3,303						(843)						2,460						2,101						(536)						1,565
Gains on derivative instruments realized in net income						(1,234)						315						(919)						(2,056)						525						(1,531)
Net cash flow hedge activity						2,069						(528)						1,541						45						(11)						34
Amortization of defined benefit pension plan net periodic pension cost components						61						(15)						46						122						(31)						91
Total other comprehensive income (loss)						(15,105)						3,635						(11,470)						30,823						(7,242)						23,581
Comprehensive income						$	66,408					$	(14,590)					$	51,818					$	192,427					$	(43,258)					$	149,169
2022
Net income						$	85,967					$	(19,125)					$	66,842					$	146,371					$	(31,510)					$	114,861
Other comprehensive loss:
Unrealized losses on available-for-sale securities:
Unrealized holding losses						(120,968)						28,801						(92,167)						(324,853)						76,774						(248,079)
Reclassification of securities from available-for-sale to held-to-maturity						30,041						(7,178)						22,863						87,444						(20,770)						66,674
Reclassification adjustment for (gains) losses included in net income						(46)						11						(35)						3,688						(979)						2,709
Net unrealized losses						(90,973)						21,634						(69,339)						(233,721)						55,025						(178,696)
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
Reclassification of unrealized losses						(30,041)						7,178						(22,863)						(87,444)						20,770						(66,674)
Amortization of unrealized losses						1,769						(422)						1,347						1,769						(422)						1,347
Net activity						(28,272)						6,756						(21,516)						(85,675)						20,348						(65,327)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives						2,412						(616)						1,796						7,880						(2,013)						5,867
Losses on derivative instruments realized in net income						106						(27)						79						247						(63)						184
Net cash flow hedge activity						2,518						(643)						1,875						8,127						(2,076)						6,051
Amortization of defined benefit pension plan net periodic pension cost components						171						(44)						127						341						(87)						254
Total other comprehensive loss						(116,556)						27,703						(88,853)						(310,928)						73,210						(237,718)
Comprehensive loss						$	(30,589)					$	8,578					$	(22,011)					$	(164,557)					$	41,700					$	(122,857)

See accompanying notes to consolidated financial statements (unaudited).

7

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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
Balance at March 31, 2022			106,025,210						$	96,422					$	106,025					$	11,311					$	2,302,189					$	354,409					$	(175,341)					$	2,695,015
Net income																																	66,842												66,842
Other comprehensive loss																																							(88,853)						(88,853)
Preferred stock dividends																																	(1,719)												(1,719)
Common stock dividends ($0.21 per share)																																	(22,562)												(22,562)
Impact of equity-based compensation awards			6,520												7						10						2,347																		2,364
Impact of other United sponsored equity plans			2,230												2						127						72																		201
Balance at June 30, 2022			106,033,960						$	96,422					$	106,034					$	11,448					$	2,304,608					$	396,970					$	(264,194)					$	2,651,288
Balance at March 31, 2023			115,151,566						$	96,422					$	115,152					$	11,977					$	2,606,403					$	542,606					$	(294,437)					$	3,078,123
Net income																																	63,288												63,288
Other comprehensive loss																																							(11,470)						(11,470)
Preferred stock dividends																																	(1,719)												(1,719)
Common stock dividends ($0.23 per share)																																	(26,859)												(26,859)
Purchases of preferred stock									(257)																		35																		(222)
Impact of equity-based compensation awards			110,414												110						125						3,989																		4,224
Impact of other United sponsored equity plans			3,932												4						126						96