UNITED COMMUNITY BANKS, INC. (UCB)

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UNITED COMMUNITY BANKS, INC.

UCB • CIK 0000857855

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$817,765	$827,368	$909,107	$945,219
Revenues	$803,818	$901,173	$1,063,152	$1,111,026
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$232,545	$323,006	$422,412	$488,274
Income Tax Expense (Benefit)	$45,001	$70,609	$94,317	$110,398
Net Income (Loss) Attributable to Parent	$187,544	$252,397	$328,095	$377,876
Net Income (Loss) Available to Common Stockholders, Basic	$180,847	$244,626	$318,183	$370,651
Interest and Fee Income, Loans and Leases	$1,042,605	$1,147,477	$1,153,277	$1,172,626
Interest and Dividend Income, Operating	$1,237,107	$1,377,741	$1,382,939	$1,378,549
Interest Expense, Deposits	$395,574	$535,519	$463,752	$421,814
Interest Expense, Other Short-term Borrowings	$3,195	$131	$1,233	$2,594
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term	$5,761	$0	$433	$3,983
Interest Expense, Long-term Debt	$14,812	$14,723	$8,414	$4,939
InterestExpenseOperating	—	$550,373	$473,832	$433,330
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions	$23,740	$23,695	$18,870	$19,566
Gain (Loss) on Sales of Loans, Net	$9,146	$-21,284	$7,923	$7,372
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-53,333	$-3,316	$352	$191
Noninterest Income, Other Operating Income	$24,325	$42,704	$43,684	$51,668
Noninterest Income	$75,483	$124,756	$154,045	$165,807
Labor and Related Expense	$318,464	$340,043	$354,451	$380,678
Occupancy, Net	$42,640	$44,306	$44,968	$46,061
Communications and Information Technology	$43,264	$49,249	$55,244	$56,058
Professional Fees	$26,732	$24,732	$24,595	$25,499
Federal Deposit Insurance Corporation Premium Expense	$27,449	$20,978	$18,987	$16,196
Loan Portfolio Expense	$9,722	$8,379	$8,759	$10,129
Supplies and Postage Expense	$9,467	$9,867	$10,650	$11,095
Marketing and Advertising Expense	$9,473	$8,546	$9,605	$9,948
Amortization of Intangible Assets	$15,175	$14,596	$13,079	$12,502
Business Combination, Acquisition Related Costs	$27,210	$8,623	$10,204	$5,842
Other Noninterest Expense	$30,100	$35,145	$27,951	$31,903
Noninterest Expense	$571,273	$578,167	$591,934	$620,133
Weighted Average Number of Shares Outstanding, Basic	117,603,000	119,783,000	121,309,000	120,995,000
Weighted Average Number of Shares Outstanding, Diluted	117,745,000	119,900,000	121,437,000	121,200,000
Interest Income, Securities, Operating, Taxable	$162,505	$199,789	$209,810	$187,577
Interest Income, Securities, Operating, Tax Exempt	$7,295	$6,834	$6,690	$6,658
Undistributed Earnings (Loss) Allocated to Participating Securities, Basic	$1,032	$1,478	$1,918	$2,377
Preferred Stock Dividends, Income Statement Impact	$6,635	$6,293	$4,719	$1,573
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,968	984	0	0

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$200,781	$296,161	$202,586	$129,113
Interest-bearing Deposits in Banks and Other Financial Institutions	$803,094	$223,712	$193,168	$325,984
Cash, Cash Equivalents, and Federal Funds Sold	$1,003,875	$519,873	$395,754	$455,097
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$3,331,084	$4,436,291	$3,750,863	$4,106,366
Loans Held-for-sale, Fair Value Disclosure	$33,008	$57,534	$39,381	$41,357
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$208,071	$206,998	$210,429	$168,705
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$18,110,684	$17,968,982	$19,173,888	$17,855,425
Property, Plant and Equipment, Net	$378,421	$394,264	$393,714	$394,343
Bank Owned Life Insurance	$345,371	$346,234	$364,184	$367,506
Interest Receivable	$87,782	$85,616	$83,557	$83,557
Deferred Income Tax Assets, Net	$113,214	$96,982	$75,861	$75,861
Derivative Asset	$50,352	$46,883	$35,313	$35,313
Intangible Assets, Net (Including Goodwill)	$990,087	$956,643	$967,882	$961,881
Other Assets	$362,525	$442,849	$484,801	$677,400
Assets	$27,297,251	$27,720,258	$28,002,554	$29,051,142
Short-term Debt	$0	$195,000	$85,000	$360,000
Long-term Debt	$324,823	$254,152	$120,400	$20,602
Derivative Liability	$84,811	$77,834	$52,997	$52,997
Accrued Liabilities and Other Liabilities	$315,481	$300,170	$307,041	$401,327
Liabilities	$24,035,726	$24,288,131	$24,363,868	$25,306,138
Preferred Stock, Including Additional Paid in Capital, Net of Discount	$88,266	$88,266	$0	$0
Common Stock, Value, Issued	$119,010	$119,364	$120,598	$119,764
Additional Paid in Capital	$2,699,112	$2,710,279	$2,754,399	$2,724,530
Retained Earnings (Accumulated Deficit)	$581,219	$714,138	$914,261	$1,053,438
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-239,192	$-212,919	$-150,572	$-152,728
Stockholders' Equity Attributable to Parent	$3,261,525	$3,432,127	$3,638,686	$3,745,004
Noninterest-bearing Deposit Liabilities	$6,534,307	$6,211,182	$6,252,252	$6,449,517
Interest-bearing Deposit Liabilities	$16,776,304	$17,249,793	$17,546,178	$17,274,692
Deposits	$23,310,611	$23,460,975	$23,798,430	$23,724,209
Debt Securities, Held-to-maturity, Fair Value	$2,095,620	$1,944,126	$1,918,426	$1,848,900
Other Assets, Fair Value Disclosure	—	$69,137	$72,270	$100,421
Accounts Payable and Accrued Liabilities, Fair Value Disclosure	—	$15,331	$16,485	$68,210
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Preferred Stock, Shares Issued	3,662	3,662	0	0
Preferred Stock, Liquidation Preference, Value	$25	$25	$25	$25
Common Stock, Shares Authorized	200,000,000	200,000,000	200,000,000	200,000,000
Common Stock, Shares, Issued	119,010,319	119,364,110	120,598,266	119,763,827
Derivative, Notional Amount	$3,624,740	$5,357,833	$6,230,673	$5,205,364
Derivative Asset, Not Offset, Policy Election Deduction	$4,683	$1,900	$7,917	$3,311
Derivative Asset, Fair Value of Collateral	$33,921	$33,005	$8,305	$10,355
Derivative Asset, Fair Value, Amount Not Offset Against Collateral	—	—	$19,091	$13,452
Derivative Liability, Fair Value of Collateral	$11,330	$12,230	$12,156	$9,638
Derivative Liability, Fair Value, Amount Not Offset Against Collateral	—	—	$32,924	$38,584

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$357,022	$-484,002	$-124,119	$-119,859
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$1,003,875	$519,873	$395,754	$252,183
Net Income (Loss) Attributable to Parent	$187,544	$252,397	$328,095	$377,876
Net Cash Provided by (Used in) Operating Activities	$293,971	$349,734	$384,035	$388,476
Payments for (Proceeds from) Loans and Leases	$996,520	$-82,716	$934,103	$1,064,699
Payments to Acquire Other Investments	$143,645	$112,347	$43,686	$106,100
Proceeds from Sale of Other Investments	$124,427	$10,058	$7,959	$43,851
Payments to Acquire Businesses, Net of Cash Acquired	$-207,566	$-8,592	$-41,246	$0
Payments to Acquire Property, Plant, and Equipment	$72,485	$47,044	$27,579	$27,283
Net Cash Provided by (Used in) Investing Activities	$-163,289	$-991,042	$33,417	$-1,012,292
Increase (Decrease) in Deposits	$1,338,641	$149,485	$-36,302	$-238,063
Proceeds from (Repayments of) Short-term Debt	$-347,615	$195,000	$-110,000	$360,000
Proceeds from FHLBank Borrowings, Financing Activities	$2,225,000	$1,100	$126,000	$2,115,000
Payments of FHLBank Borrowings, Financing Activities	$2,870,000	$1,100	$126,000	$1,315,000
Payments for Repurchase of Preferred Stock and Preference Stock	$7,151	$0	$91,541	$91,541
Repayments of Other Long-term Debt	$0	$68,557	$135,000	$135,000
Payments for Repurchase of Common Stock	$0	—	$44,269	$67,420
Payments of Ordinary Dividends, Common Stock	$105,085	$112,316	$118,518	$121,353
Payments of Ordinary Dividends, Preferred Stock and Preference Stock	$6,635	$6,293	$4,719	$1,573
Net Cash Provided by (Used in) Financing Activities	$226,340	$157,306	$-541,571	$503,957
Depreciation, Amortization and Accretion, Net	$44,963	$40,930	$45,951	$61,561
Share-based Payment Arrangement, Noncash Expense	$8,932	$10,803	$11,405	$13,252
Deferred Income Tax Expense (Benefit)	$6,389	$7,196	$10,145	$24,753
Realized Investment Gains (Losses)	$-53,333	$-3,316	$352	$191
Gain (Loss) on Sale of Loans and Leases	$9,146	$-21,284	$7,923	$7,372
Gain (Loss) on Extinguishment of Debt	—	$2,266	$-768	$-768
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$129,873	$128,724	$135,567	$132,243
Proceeds from Sale of Debt Securities, Available-for-sale	$880,224	$176,721	$547,338	$313,824
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$646,108	$686,869	$770,979	$786,056
Payments to Acquire Debt Securities, Available-for-sale	$856,531	$1,943,743	$483,155	$1,104,283
Increase (Decrease) in Other Operating Assets	$20,504	$-8,815	$12,737	$-5,658
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities	$-49,649	$-24,266	$-58,276	$17,304
Increase (Decrease) in Loans Held-for-sale	$17,321	$24,526	$-18,153	$4,013

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Import this data to Google Sheets with:

=jivedata("UCB","financials")

Full statements spill as a table. For one cell: =jivedata("UCB","Revenue") or =jivedata("UCB","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.