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Dec 31, 2019

United Community Banks Q4 2019 Earnings Report

Reported strong loan and deposit growth, operating efficiency, and asset quality.

Key Takeaways

United Community Banks, Inc. reported a diluted EPS of $0.61, a 9% increase year-over-year. The return on assets was 1.50% and the return on common equity was 12.1%. Total deposits grew by $140 million. The company sold its remaining investment in its indirect auto portfolio, completing its exit from that business.

Diluted earnings per share were $0.61, an increase of $0.05 or 9% from a year ago.

Return on assets was 1.50%.

Return on common equity was 12.1%.

Net interest margin of 3.93%.

Total Revenue
$143M
Previous year: $136M
+5.5%
EPS
$0.61
Previous year: $0.57
+7.0%
Efficiency ratio
54.9%
Net charge-offs to average loans
0.18%
Nonperforming assets to total assets
0.28%
Gross Profit
$143M
Previous year: $136M
+5.5%
Cash and Equivalents
$515M
Previous year: $327M
+57.4%
Free Cash Flow
$53.4M
Previous year: $66.7M
-19.9%
Total Assets
$12.9B
Previous year: $12.6B
+2.7%

United Community Banks

United Community Banks