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Mar 31, 2021

United Community Banks Q1 2021 Earnings Report

Reported record net income and strong financial performance.

Key Takeaways

United Community Banks, Inc. reported a record net income of $73.7 million for the first quarter of 2021, with diluted earnings per share of $0.82. The quarter benefited from an allowance release of $12.3 million due to improving economic conditions.

Net income for the first quarter reached a record $73.7 million.

Diluted earnings per share were $0.82, a 105% increase from the first quarter a year ago.

Total loans increased by $308 million during the quarter, including a $237 million increase in SBA Paycheck Protection Program (PPP) loans.

Core transaction deposits grew by $948 million during the quarter, or 33% annualized.

Total Revenue
$189M
Previous year: $122M
+54.7%
EPS
$0.83
Previous year: $0.41
+102.4%
Return on assets
1.62%
Previous year: 0.99%
+63.6%
Return on common equity
15.4%
Gross Profit
$189M
Previous year: $122M
+54.7%
Cash and Equivalents
$1.33B
Previous year: $521M
+156.3%
Free Cash Flow
$32.2M
Previous year: -$13.4M
-340.3%
Total Assets
$18.6B
Previous year: $13.1B
+41.8%

United Community Banks

United Community Banks

Forward Guidance

The company is excited about ongoing opportunities in its markets and looks forward to the rest of 2021.