United community banks, inc. (UCBI)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10Jun'10
ASSETS
Cash and due from banks

155

125

108

118

118

126

115

125

136

129

98

103

90

99

94

107

93

86

93

80

77

77

75

91

52

71

70

62

57

66

57

50

53

53

57

163

153

95

104

115

Interest-bearing deposits in banks

365

389

252

157

206

201

196

191

216

185

148

129

140

117

131

100

88

153

112

94

82

89

117

100

110

119

131

141

107

124

119

133

139

139

241

41

465

111

64

105

Short-term investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

30

25

26

23

47

49

37

62

57

82

60

45

120

235

185

-

174

470

441

108

148

Cash and cash equivalents

520

515

361

275

325

327

311

316

352

314

246

233

230

217

226

207

182

240

206

204

185

192

216

240

213

228

264

260

247

251

221

304

427

378

299

380

1,089

649

277

368

Debt securities available-for-sale

2,249

2,274

2,272

2,366

2,454

2,628

2,587

2,536

2,419

2,615

2,540

2,474

2,436

2,432

2,215

2,335

2,405

2,291

2,099

1,942

1,801

1,782

1,789

1,741

1,837

1,832

1,963

1,937

1,909

1,834

1,761

1,701

1,898

1,790

1,769

1,816

1,638

1,224

1,053

1,165

Debt securities held-to-maturity (fair value $301,595 and $287,904)

290

283

243

253

265

274

285

297

312

321

306

312

329

329

344

341

351

364

357

379

399

415

432

448

464

479

205

214

231

244

262

282

303

330

353

371

245

265

256

322

Loans held for sale at fair value

89

58

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans and leases held for investment

8,935

8,812

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Financing Receivable, Allowance for Credit Loss

81

62

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans and leases, net

8,853

8,750

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale, at fair value

-

-

54

46

26

18

27

34

26

32

30

25

16

29

30

30

26

24

23

22

-

13

20

14

-

-

-

-

-

-

-

-

-

-

-

-

80

-

-

-

Mortgage loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15

-

-

-

10

10

11

19

18

28

30

18

24

23

22

19

25

35

20

22

Loans and Leases Receivable, Net of Deferred Income

-

-

8,903

8,838

8,493

8,383

8,226

8,220

8,184

7,735

7,202

7,040

6,964

6,920

6,725

6,286

6,106

5,995

6,023

5,173

4,787

4,672

4,568

4,410

4,355

4,329

4,267

4,189

4,193

4,175

4,137

4,119

4,127

4,109

4,109

4,163

4,194

4,604

4,759

4,873

Less allowance for loan losses

-

-

62

62

61

61

60

61

61

58

58

59

60

61

62

64

66

68

69

70

70

71

71

73

75

76

80

81

105

107

107

112

113

114

146

127

133

174

174

174

Loans, net

-

-

8,840

8,776

8,431

8,322

8,165

8,159

8,123

7,676

7,144

6,981

6,904

6,859

6,662

6,222

6,039

5,926

5,954

5,103

4,717

4,600

4,496

4,337

4,280

4,252

4,186

4,107

4,087

4,067

4,030

4,006

4,013

3,995

3,963

4,035

4,061

4,429

4,584

4,698

Assets covered by loss sharing agreements with the FDIC

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

21

22

31

35

42

47

53

65

72

78

83

95

125

131

144

156

Premises and equipment, net

214

215

215

217

214

206

204

202

208

208

193

189

189

189

189

181

180

178

192

173

159

159

160

161

161

163

165

167

168

168

170

172

174

175

176

178

179

178

178

180

Bank owned life insurance

200

202

201

200

193

192

191

190

189

188

167

155

154

143

123

105

105

105

105

92

81

81

81

80

80

80

80

82

82

81

81

81

80

80

80

80

79

-

-

-

Accrued interest receivable

31

32

33

35

35

35

33

33

31

32

29

26

27

28

26

25

25

25

24

21

20

20

19

19

18

19

18

19

18

18

19

20

20

20

19

21

21

24

24

29

Net deferred tax asset

30

34

34

40

51

64

76

77

86

88

128

119

139

154

156

157

180

197

197

195

201

215

224

233

243

258

269

272

-

0

-

-

-

-

-

-

-

-

146

111

Derivative financial instruments

82

35

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

4

4

5

6

6

7

8

9

9

10

11

12

223

Foreclosed property

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4

3

16

18

26

30

31

32

44

47

54

142

129

123

Derivative financial instruments

-

-

43

35

25

24

29

29

27

22

20

21

22

23

25

26

23

20

19

21

20

20

22

22

21

23

-

9

0

0

-

-

-

-

-

-

-

-

-

-

Goodwill and other intangible assets, net

341

342

343

344

322

324

325

327

328

244

182

154

155

156

157

146

146

147

141

20

-

3

3

2

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unsettled securities sales

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

43

-

-

-

-

-

-

-

Other assets

179

171

165

187

160

154

165

181

159

169

136

143

125

144

140

147

112

94

90

68

60

61

58

50

43

52

37

29

23

34

34

46

73

69

72

95

97

183

183

249

Total assets

13,085

12,916

12,809

12,779

12,505

12,573

12,405

12,385

12,264

11,915

11,129

10,837

10,731

10,708

10,297

9,928

9,781

9,616

9,413

8,246

7,663

7,566

7,525

7,352

7,398

7,425

7,243

7,162

6,849

6,802

6,699

6,737

7,173

6,983

6,894

7,152

7,709

7,276

7,013

7,652

LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand

3,624

3,477

3,527

3,461

3,313

3,210

3,296

3,245

3,226

3,087

2,889

2,818

2,752

2,637

2,568

2,386

2,370

2,204

2,174

1,847

1,694

1,574

1,561

1,519

1,471

1,388

1,418

1,349

1,298

1,252

1,210

1,150

1,101

992

966

899

864

793

783

779

Interest-bearing deposits

7,410

7,419

7,228

-

-

7,324

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NOW and interest-bearing demand

-

-

-

2,059

2,205

-

2,075

2,031

2,106

2,131

1,967

1,874

1,968

1,989

1,821

1,730

1,794

1,975

1,754

1,416

1,420

1,504

1,399

1,334

1,392

1,427

1,279

1,225

1,281

1,316

1,184

1,196

1,389

1,509

1,299

1,306

1,320

1,424

1,338

1,326

Money market

-

-

-

2,281

2,106

-

2,060

2,036

2,052

2,016

1,934

1,808

1,831

1,846

1,798

1,641

1,630

1,599

1,651

1,406

1,306

1,273

1,281

1,245

1,235

1,227

1,197

1,167

1,165

1,149

1,126

1,117

1,123

1,038

1,030

989

967

891

804

756

Savings

-

-

-

693

681

-

680

683

677

651

605

581

574

549

544

502

491

471

459

350

312

292

287

279

270

251

249

247

243

227

222

219

214

199

200

197

193

183

186

185

Time

-

-

-

1,840

1,668

-

1,564

1,524

1,520

1,548

1,363

1,273

1,261

1,287

1,349

1,183

1,233

1,282

-

-

-

1,256

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Less than $100,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

865

792

723

-

774

805

833

892

925

982

1,019

1,055

1,123

1,164

1,207

1,332

1,393

1,508

1,576

1,496

1,498

1,575

Greater than $100,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

482

465

482

-

531

554

572

588

624

664

685

705

731

764

796

847

905

981

990

1,002

1,033

1,093

Brokered

-

-

-

253

558

-

551

444

410

371

367

378

364

327

359

412

439

338

516

529

497

425

405

424

470

424

419

374

332

245

223

210

167

178

209

300

684

676

354

611

Total deposits

11,034

10,897

10,756

10,591

10,534

10,534

10,229

9,966

9,993

9,807

9,127

8,735

8,752

8,637

8,441

7,857

7,960

7,873

7,905

6,807

6,437

6,326

6,240

6,163

6,247

6,201

6,112

6,011

6,025

5,952

5,822

5,822

6,000

6,097

6,005

6,183

6,597

6,469

5,998

6,329

Short-term borrowings

-

-

-

40

-

-

0

9

-

50

16

-

-

5

35

-

-

16

18

25

-

-

6

76

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

-

-

123

53

53

54

51

52

53

53

101

102

102

103

102

101

103

104

Federal Home Loan Bank advances

-

-

40

160

40

160

300

560

434

504

494

669

569

709

449

735

510

430

200

385

270

270

330

175

50

120

0

70

0

40

50

125

215

40

40

40

55

55

55

104

Long-term debt

212

212

240

247

257

267

285

308

325

120

135

175

175

175

174

164

163

163

165

113

113

129

129

129

129

129

129

124

124

124

120

120

120

120

120

150

150

150

150

150

Derivative financial instruments

27

15

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Derivative financial instruments

-

-

16

16

18

26

39

37

33

25

22

24

26

27

32

34

31

28

27

32

29

31

36

36

42

46

-

29

14

12

-

-

-

-

-

-

-

-

-

-

Unsettled securities purchases

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5

-

7

63

29

11

1

-

-

24

-

119

10

10

35

177

0

0

20

Accrued expenses and other liabilities

170

154

151

157

147

127

149

125

120

103

111

100

107

78

84

77

81

85

83

54

48

57

46

41

37

49

82

41

39

38

43

39

36

36

31

36

40

32

42

39

Total liabilities

11,445

11,280

11,204

11,213

10,997

11,115

11,003

11,006

10,907

10,612

9,908

9,704

9,630

9,632

9,218

8,868

8,747

8,598

8,400

7,419

6,900

6,827

6,789

6,630

6,694

6,629

6,391

6,333

6,257

6,220

6,113

6,161

6,594

6,407

6,310

6,549

7,123

6,807

6,350

6,748

Commitments and contingencies

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

0

0

0

-

-

-

0

-

-

Shareholders' equity:
Preferred stock, $1 par value; 10,000,000 shares authorized; 0 shares issued and outstanding

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Common stock, $1 par value; 150,000,000 shares authorized; 78,283,544 and 79,013,729 shares issued and outstanding

78

79

78

79

79

79

79

79

79

77

73

70

70

70

70

69

66

66

63

54

50

50

50

50

50

46

45

43

43

42

42

41

41

41

41

41

20

18

18

18

Common stock issuable; 591,053 and 664,640 shares

10

11

11

10

10

10

10

9

9

9

8

8

7

7

7

6

6

6

6

6

5

5

5

4

3

3

3

4

2

3

3

2

2

3

3

3

3

3

3

3

Capital surplus

1,478

1,496

1,495

1,498

1,494

1,499

1,498

1,497

1,496

1,451

1,341

1,277

1,275

1,275

1,274

1,279

1,286

1,286

1,284

1,123

1,081

1,080

1,091

1,091

1,091

1,078

1,077

1,057

1,059

1,057

1,056

1,056

1,056

1,054

1,053

1,052

738

741

740

739

Retained earnings

54

40

5

-29

-59

-90

-122

-154

-181

-209

-192

-212

-234

-251

-273

-293

-313

-330

-344

-358

372

-387

-402

-418

433

-448

-461

473

-700

-709

-711

-718

-722

-730

-737

-723

-732

-492

-316

-77

Accumulated other comprehensive income

18

8

14

6

-15

-41

-63

-52

-46

-25

-10

-11

-18

-26

-0

-3

-17

-25

-15

-16

10

-18

-17

-16

18

-19

-24

13

-22

-23

-16

-17

-9

-3

12

19

14

20

40

44

Total shareholders' equity

1,640

1,635

1,605

1,566

1,508

1,457

1,401

1,379

1,356

1,303

1,220

1,132

1,101

1,075

1,079

1,059

1,033

1,018

1,013

827

763

739

736

721

703

795

852

829

592

581

585

575

579

575

583

602

586

468

662

904

Total liabilities and shareholders' equity

13,085

12,916

12,809

12,779

12,505

12,573

12,405

12,385

12,264

11,915

11,129

10,837

10,731

10,708

10,297

9,928

9,781

9,616

9,413

8,246

7,663

7,566

7,525

7,352

7,398

7,425

7,243

7,162

6,849

6,802

6,699

6,737

7,173

6,983

6,894

7,152

7,709

7,276

7,013

7,652