UNITED COMMUNITY BANKS INC

UCB · XNYS

CIK 857855fmd_0QZN8FXTPXGPRZ1MPZN4406F9ZFinance, Insurance and Real Estate · State Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	335	390	500	553	558	579	813	1,237	1,378	1,383
Total revenues	404	440	522	561	577	744	826	893	952	1,063
Rental revenue	–	–	–	1	1	1	–	–	–	–
Net interest income	310	356	439	469	502	549	752	818	827	909
Commissions and fees	4	5	5	6	–	–	–	–	–	–
Provision for credit losses	(1)	4	10	13	80	(38)	64	89	51	49
Realized investment gains (losses)	–	0	(1)	(1)	1	0	(4)	(53)	(3)	0
Net interest income after provision	311	352	429	456	421	587	688	728	776	860
Non-interest income	94	88	93	105	156	158	138	75	125	154
Compensation and benefits	139	153	181	196	224	241	276	318	340	354
Total operating expenses	–	–	–	–	–	–	–	–	–	–
Non-interest expense	241	268	306	322	368	397	470	571	578	592
Interest expense	25	34	61	83	56	30	61	419	550	474
Income before taxes	163	173	216	239	209	348	356	233	323	422
Income tax expense	62	105	50	53	45	78	79	45	71	94
Net income from continuing operations	101	68	166	186	164	270	277	188	252	328
Net income	101	68	166	186	164	270	277	188	252	328
Net income to common shareholders	101	67	165	184	159	261	269	181	245	318