United Community Banks, Inc. (FRA:UCBN)

United Community Banks Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,153	1,147	1,043	673.4	505.73
Interest Income on Investments	229.66	230.26	194.5	139.75	73.06
Total Interest Income	1,383	1,378	1,237	813.16	578.79
Interest Paid on Deposits	463.75	535.52	395.57	42.1	14.85
Interest Paid on Borrowings	10.08	14.85	23.77	18.7	14.92
Total Interest Expense	473.83	550.37	419.34	60.8	29.76
Net Interest Income	909.11	827.37	817.77	752.36	549.03
Net Interest Income Growth (YoY)	9.88%	1.17%	8.69%	37.03%	9.42%
Trust Income	18.87	23.7	23.74	23.59	19
Mortgage Banking Activities	25.07	27.57	19.22	32.52	58.45
Gain (Loss) on Sale of Investments	0.35	-3.32	-53.33	-3.87	0.08
Other Non-Interest Income	101.83	98.09	76.71	74.73	69.02
Total Non-Interest Income	154.05	124.76	75.48	137.71	157.82
Non-Interest Income Growth (YoY)	23.48%	65.28%	-45.19%	-12.74%	1.09%
Revenues Before Loan Losses	1,063	952.12	893.25	890.06	706.85
Provision for Loan Losses	48.81	50.95	89.43	63.91	-37.55
Revenue	1,014	901.17	803.82	826.15	744.4
Revenue Growth (YoY)	12.56%	12.11%	-2.70%	10.98%	28.92%
Salaries and Employee Benefits	354.45	329.24	309.53	267.5	235.38
Federal Deposit Insurance	18.99	20.98	27.45	9.89	7.4
Amortization of Goodwill & Intangibles	13.08	14.6	15.18	6.83	4.05
Selling, General & Administrative	158.5	161.21	152.09	133.07	107.6
Other Non-Interest Expense	36.71	42.78	39.1	32.95	27.76
Total Non-Interest Expense	581.73	569.54	544.06	450.77	382.67
EBT Excluding Unusual Items	432.62	331.63	259.76	375.38	361.73
Pretax Income	422.41	323.01	232.55	356	347.76
Income Tax Expense	94.32	70.61	45	78.53	77.96
Net Income	328.1	252.4	187.54	277.47	269.8
Preferred Dividends & Other Adjustments	9.91	7.77	6.7	8.34	8.53
Net Income to Common	318.18	244.63	180.85	269.14	261.27
Net Income Growth	29.99%	34.58%	-32.41%	2.84%	64.42%
Basic Shares Outstanding	121	120	118	107	88
Diluted Shares Outstanding	121	120	118	107	88
Shares Change (YoY)	1.28%	1.83%	10.27%	21.20%	5.83%
EPS (Basic)	2.62	2.04	1.54	2.52	2.97
EPS (Diluted)	2.62	2.04	1.54	2.52	2.97
EPS Growth	28.43%	32.66%	-38.98%	-15.15%	55.50%
Dividend Per Share	0.980	0.940	0.920	0.860	0.780
Dividend Growth	4.25%	2.17%	6.98%	10.26%	8.33%
Effective Tax Rate	22.33%	21.86%	19.35%	22.06%	22.42%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.