United Community Bank in Blairsville, Georgia (GA), NC, TN



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United Community Bank
GeneralFDIC Certificate #: 16889
Status: Active
Federal Reserve ID: 1017939
Bank Holding Company (Regulatory Top Holder): United Community Banks, Inc. (RSSDID: 1249347, Location: Blairsville, GA)
Date Established: March 01, 1950
WWW: http://www.ucbi.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 106 (Domestic: 106, Interstate: Yes)
OTS Docket #: 10976
FDIC's unique #: 10978
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 01, 1950
Last Structure Change Effective Date: June 19, 2009
Last Structure Change Process Date: June 23, 2009
Last Data Update: June 23, 2009
Data Source Date: April 05, 2012
LocationAddress: 59 Highway 515, Blairsville, GA 30512
County: Union
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Corrections
Financial SummaryTotal assets: $6,977.4 mil
Equity capital: $624.4 mil
Deposits held in domestic offices: $6,170.1 mil
Return on assets (ROA): -3.00% (-$209.3 mil)
Quarterly return on assets: 0.81% ($56.5 mil)
Return on Equity (ROE): -34.95% (-$218.1 mil)
Quarterly return on equity: 9.03% ($56.3 mil)
Net income: -$215.9 mil
Quarterly Net income: $14.1 mil
Pretax return on assets: -3.07% (-$214,204.9 mil)
Quarterly Pretax return on assets: 0.50% ($34,886.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,701
Total assets$6,977,357
Cash and due from depository institutions$190,497
Interest-bearing balances$135,249
Securities$2,117,878
Federal funds sold & reverse repurchase agreements$185,000
Net loans & leases$4,073,509
Loan loss allowance $114,468
Trading account assets$0
Bank premises and fixed assets$175,052
Other real estate owned$43,229
Goodwill and other intangibles$8,428
All other assets$183,764
Life insurance assets$6,977,357
Total liabilities and capital$6,352,957
Total liabilities$6,170,142
Total deposits$5,172,314
Interest-bearing deposits$6,170,142
Deposits held in domestic offices$93
% insured (estimated)102577.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$40,625
Other borrowed funds $0
Subordinated debt $39,613
All other liabilities $624,400
Total equity capital$624,400
Total bank equity capital$624,400
Perpetual preferred stock$0
Common stock$850
Surplus$1,440,231
Undivided profits $-816,681
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $23,881
Income earned, not collected on loans $129,035
Earning assets $364
Long-term assets (5+ years) $20,690
Average Assets, year-to-date $6,511,636
Average Assets, quarterly $1,863,863
Volatile liabilities $7,197,354
Insider loans $6,933,164
FHLB advances $4,517,568
Loans and leases held for sale $6,996,780
Unused loan commitments $80,599
Tier 1 (core) risk-based capital $13,461
Tier 2 risk-based capital $614,532
Total risk weighted assets $67,138
Total unused commitments $0
Restructured Loans and leases $433,443
Derivatives$5,765
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $297,629
Total interest expense $56,330
Net interest income $241,299
Provision for loan and lease losses $251,000
Total noninterest income -$19,611
Fiduciary activities $0
Service charges on deposit accounts $16,035
Trading account gains & fees $0
Additional noninterest income -$35,646
Total noninterest expense $192,704
Salaries and employee benefits $95,232
Premises and equipment expense $26,383
Additional noninterest expense $71,089
Pre-tax net operating income -$222,016
Securities gains (losses) $842
Applicable income taxes -$5,255
Income before extraordinary items -$215,919
Extraordinary gains - net $0
Net income attributable to bank -$215,919
Net charge-offs $0
Cash dividends -$215,919
Sale, conversion, retirement of capital stock, net $311,227
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.49%
Cost of funding earning assets 0.85%
Net interest margin 3.64%
Noninterest income to earning assets -0.30%
Noninterest expense to earning assets 2.91%
Net operating income to assets -3.01%
Return on assets (ROA) -3.00%
Pretax return on assets -3.07%
Return on equity (ROE) -34.95%
Retained earnings to average equity (YTD only) -34.95%
Net charge-offs to loans 7.17%
Credit loss provision to net charge-offs 80.65%
Efficiency ratio0.09%
Assets per employee$85,564
Cash dividends to net income (YTD only)4.10%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.73%
Noncurrent assets plus other real estate owned to assets 88.71%
Noncurrent loans to loans 2.47%
Net loans and leases to deposits3.08%
Net loans and leases to core deposits 66.02%
Equity capital to assets 72.34%
Core capital (leverage) ratio 8.95%
Tier 1 risk-based capital ratio 8.78%
Total risk-based capital ratio 13.60%
Memoranda
Average assets$15
Average earning assets$7,197,354
Average equity $617,822
Average loans $6,630,604
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74 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010978United Community Bank59 Highway 515, Blairsville, GA 30512March 01, 1950Full Service Brick and Mortar
1239493Ingles Supermarket Branch43b Highway 515, Blairsville, GA 30512October 24, 1984Limited Service Facility
245505Habersham Branch255 North Main Street, Cornelia, GA 30531June 22, 1989Full Service Brick and Mortar
3239494Lumpkin Branch104 Memorial Drive, Dahlonega, GA 30533July 01, 1996Limited Service Facility
4239495Clarkesville Branch468 West Louise Street, Clarkesville, GA 30523June 04, 1998Full Service Brick and Mortar
5239496United Community Bank Of Lumpkin Co206 Morrison Moore Parkway, Dahlonega, GA 30533July 01, 1996Full Service Brick and Mortar
6239497Murryaville Office Branch5504 Thompson Bridge Road, Murrayville, GA 30564August 27, 1998Full Service Brick and Mortar
713509Rome Branch307 East 2nd Avenue, Rome, GA 30162June 15, 1967Full Service Brick and Mortar
8249288Cedartown Street Branch15 Cedartown Street, Cave Spring, GA 30124July 18, 1994Full Service Brick and Mortar
9249290West Rome Branch2436 Shorter Avenue, Rome, GA 30165July 21, 1998Full Service Brick and Mortar
10356703Peoples First Community Branch Offic9699 Rome Boulevard, Summerville, GA 30747May 15, 2000Full Service Brick and Mortar
11549Adairsville Branch7400 Highway 140, Adairsville, GA 30103January 01, 1899Full Service Brick and Mortar
12364917Mt Berry Branch2760 Martha Berry Highway, Rome, GA 30165July 02, 2001Full Service Brick and Mortar
1335847Ucb North Georgia Branch4000 Appalachian Highway, Blue Ridge, GA 30513August 01, 1986Full Service Brick and Mortar
14260042Ingles Supermarket Branch5679 Appalachian Highway, Blue Ridge, GA 30513April 08, 1987Full Service Brick and Mortar
15260043Tennessee Avenue Branch182 Blue Ridge Drive, Mccaysville, GA 30555December 23, 1991Full Service Brick and Mortar
16260044United Community Bank Of Gilmer Coun558 Industrial Boulevard, Ellijay, GA 30540January 30, 1998Full Service Brick and Mortar
1735374Ucb Towns County Branch214 North Main Street, Hiawassee, GA 30546March 28, 1986Full Service Brick and Mortar
1815564Ucb White County Branch153 East Kytle Street, Cleveland, GA 30528October 29, 1976Full Service Brick and Mortar
19254440Helen Branch8160 Highway 75 North, Helen, GA 30545November 19, 1980Limited Service Facility
2045600Ucb Metro Branch1001 Polk Street, Marietta, GA 30064January 11, 1990Full Service Brick and Mortar
21288983Lost Mountain Crossing Branch5100 Dallas Highway, Powder Springs, GA 30127March 01, 1996Full Service Brick and Mortar
22288984Hiram Branch226 Douglasville Highway, Hiram, GA 30141October 21, 1996Full Service Brick and Mortar
23288986Powder Springs Branch1220 Richard Sailors Parkway, Powder Springs, GA 30127October 30, 1997Full Service Brick and Mortar
24363049Sixes Road Branch3781 Sixes Road, Canton, GA 30114October 29, 2001Full Service Brick and Mortar
2545749Ucb Rabun County BranchHighway 441 And Duvall Street, Clayton, GA 30525March 05, 1990Full Service Brick and Mortar
2611286Ucb Dawson County Branch109 Highway 53 West, Dawsonville, GA 30534November 02, 1953Full Service Brick and Mortar
27241202Georgia 400 Facility6372 Highway 53 East, Dawsonville, GA 30534March 28, 1985Full Service Brick and Mortar
28357205North Point Branch4365 Browns Bridge Road, Cumming, GA 30041September 19, 1999Full Service Brick and Mortar
2957057Ucb West Georgia Branch119 Maple Street, Carrollton, GA 30117March 03, 1997Full Service Brick and Mortar
30290523Villa Rica Branch485 W. Bankhead Highway, Villa Rica, GA 30180July 19, 1999Full Service Brick and Mortar
31294918Douglasville Branch6670 Church Street, Douglasville, GA 30134January 10, 2000Full Service Brick and Mortar
32366322New Community Branch1472 441 By-Pass, Cornelia, GA 30531January 06, 2003Full Service Brick and Mortar
3345024Gloucester Office Branch1703 Gloucester Street, Brunswick, GA 31521January 30, 1984Full Service Brick and Mortar
34287154St. Simons Office Branch2461 Demere Road, St. Simons Island, GA 31522June 30, 1985Full Service Brick and Mortar
37287162Waycross Branch1010 Plant Avenue, Waycross, GA 31501June 30, 1988Full Service Brick and Mortar
38287164North Brunswick Branch2001 Commercial Drive, South, Brunswick, GA 31525October 31, 1995Full Service Brick and Mortar
40365485Mall Branch109 Scranton Connector, Brunswick, GA 31521August 19, 2002Full Service Brick and Mortar
41420142Brackett's Way Branch391 Brackett's Way, Blairsville, GA 30512July 03, 2001Full Service Brick and Mortar
42127Fairburn 1st Community Branch65 Washington Street, Fairburn, GA 30213January 01, 1902Full Service Brick and Mortar
43181260Shannon Branch6789 Shannon Parkway, Union City, GA 30291June 11, 1974Full Service Brick and Mortar
46429553Cartersville Branch1320 Joe Frank Harris Parkway, Cartersville, GA 30120Febuary 02, 2004Full Service Brick and Mortar
47430663Savannah Branch24 Drayton Street, Savannah, GA 31401May 27, 2004Full Service Brick and Mortar
48431014Newnan Branch71 Bullsboro, Newnan, GA 30265June 01, 2004Full Service Brick and Mortar
4957044Eagle National Stockbridge Branch850 Eagle's Landing Parkway, Stockbridge, GA 30281December 02, 1997Full Service Brick and Mortar
50419123Mcdonough Branch865 Highway 20/81, Mcdonough, GA 30253April 28, 2003Full Service Brick and Mortar
5157784Liberty National Bank Conyers Branch1000 Georgia Highway 138, Conyers, GA 30013October 14, 1997Full Service Brick and Mortar
52290670Northside Branch1600 Georgia Highway 20, Conyers, GA 30012October 14, 1997Full Service Brick and Mortar
53362400Covington Bypass Branch9100 Covington Bypass, Covington, GA 30014November 09, 2001Full Service Brick and Mortar
54443431Gainesville Branch311 Jesse Jewell Parkway, Gainesville, GA 30501May 31, 2005Full Service Brick and Mortar
55444551Thompson Bridge Road Office2157 Sandridge Court, Gainesville, GA 30501September 12, 2005Full Service Brick and Mortar
56445004Tyrone BranchHighway 74/Joel Cowan Parkway, Tyrone, GA 30290September 06, 2005Full Service Brick and Mortar
58449885Victory Drive Branch2225 East Victory Drive, Savannah, GA 31404Febuary 08, 2006Full Service Brick and Mortar
59449886Quillian Corner Office5215 Dahlonega Highway, Clermont, GA 30527March 13, 2006Full Service Brick and Mortar
60449887South Hall Office3785 Mundy Mill Road, Oakwood, GA 30566January 18, 2006Full Service Brick and Mortar
61449888Trion Branch14031 Highway 27, Trion, GA 30753October 03, 2005Full Service Brick and Mortar
71450610Messenger Service516 Us 441 South, Clayton, GA 30525November 10, 2005Limited Service Messenger
7261818Southern National Bank Branch200 Cherokee Street, Marietta, GA 30090December 21, 1998Full Service Brick and Mortar
73422866Riverstone Branch2215 Riverstone Boulevard, Canton, GA 30114July 28, 2003Full Service Brick and Mortar
76461354Jasper Branch118 Whitfield Drive, Jasper, GA 30143September 04, 2006Full Service Brick and Mortar
77461355Jackson County Branch2055 Homer Road, Commerce, GA 30529December 21, 2006Full Service Brick and Mortar
79461359Cumming Branch1015 Buford Highway, Cumming, GA 30041August 28, 2006Full Service Brick and Mortar
80465931Midway Office Branch5125 Atlanta Highway, Alpharetta, GA 30004March 12, 2007Full Service Brick and Mortar
8279494First Bank Of The South Branch2230 Riverside Parkway, Lawrenceville, GA 30043May 15, 2000Full Service Brick and Mortar
83261146Johns Creek Branch6600 Mcginnis Ferry Road, Duluth, GA 30097December 08, 1993Full Service Brick and Mortar
84261147Embry Hills Branch3310 Henderson Mill Road, Atlanta, GA 30341September 15, 1995Full Service Brick and Mortar
85423181Snellville Branch2168 Scenic Highway, Snellville, GA 30078September 22, 2003Full Service Brick and Mortar
86364222Buford Lanier Community Branch4356 South Lee Street, Buford, GA 30518June 17, 2003Full Service Brick and Mortar
87468307Savannah Southside Branch8201 Whitebluff Road, Savannah, GA 31406August 27, 2007Full Service Brick and Mortar
88468308Monroe Branch2120 West Spring Street, Monroe, GA 30655August 01, 2007Full Service Brick and Mortar
11276808Southern Community Bank Branch525 North Jeff Davis Drive, Fayetteville, GA 30214June 02, 2000Full Service Brick and Mortar
113419074Peachtree City Branch1500 Commerce Drive, Peachtree City, GA 30269May 15, 2003Full Service Brick and Mortar
114442551Locust Grove Branch4970 Bill Gardner Parkway, Locust Grove, GA 30248July 30, 2004Full Service Brick and Mortar
116491605Sullivan Road Branch2245 East Highway 34, Newnan, GA 30265April 01, 2005Full Service Brick and Mortar
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22 North Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9117080United Community Bank -murphy Branch116 Peachtree Street, Murphy, NC 28906July 12, 1983Full Service Brick and Mortar
92257520Hayesville Branch95 U.S. Highway 64 West, Hayesville, NC 28904July 13, 1987Full Service Brick and Mortar
93257521Andrews Branch732 Main Street, Andrews, NC 28901August 24, 1987Full Service Brick and Mortar
94257523Robbinsville Branch132 Rodney Orr Bypass, Robbinsville, NC 28771Febuary 17, 1994Full Service Brick and Mortar
95204893Waynesville Branch165 North Main Street, Waynesville, NC 28786September 02, 1971Full Service Brick and Mortar
96255995Franklin Branch257 East Main Street, Franklin, NC 28734November 01, 1982Full Service Brick and Mortar
97257524Bryson City Branch145 Slope Street, Bryson City, NC 28713December 16, 1996Full Service Brick and Mortar
98257525Cashiers/Chestnut Square Branch20 Frank Allen Road, Cashiers, NC 28717January 06, 1997Full Service Brick and Mortar
99257526Sylva Branch1640 East Main Street, Sylva, NC 28779April 21, 1997Full Service Brick and Mortar
100257527Brevard Branch1225 Asheville Hwy, Brevard, NC 28712September 15, 1997Full Service Brick and Mortar
101257528Cherokee Branch3273 U.S. Highway 441 North, Whittier, NC 28789December 07, 1998Full Service Brick and Mortar
102257529Downtown Brevard Branch160 West Main Street, Brevard, NC 28712July 12, 1999Full Service Brick and Mortar
103257530Etowah Branch50 United Bank Drive, Etowah, NC 28729Febuary 01, 1999Full Service Brick and Mortar
104264864Newland Branch200 Linville Street, Newland, NC 28657January 01, 1921Full Service Brick and Mortar
105234243Bakersville Main Branch54 Mitchell Avenue, Bakersville, NC 28705July 01, 1937Full Service Brick and Mortar
106429540Spruce Pine Branch800 Summit Avenue, Spruce Pine, NC 28777January 21, 2004Full Service Brick and Mortar
107429541Burnsville Branch291 East Us Highway 19e, Burnsville, NC 28714Febuary 17, 2004Full Service Brick and Mortar
10846857Sylva Branch55 Asheville Road, Sylva, NC 28779January 24, 1991Full Service Brick and Mortar
109234249Bryson City Branch210 North Main Street, Bryson City, NC 28713November 22, 1965Full Service Brick and Mortar
110461364East Hendersonville Branch2520 Chimney Rock Road, Hendersonville, NC 28792November 06, 2006Full Service Brick and Mortar
111465934Blowing Rock Branch8433 Valley Blvd, Blowing Rock, NC 28605January 09, 2007Full Service Brick and Mortar
117527710Asheville Branch2349 Hendersonville Road, Arden, NC 28704December 19, 2011Full Service Brick and Mortar
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10 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
6247077Lenoir City Branch725 Highway 321 North, Lenoir City, TN 37771June 04, 1991Full Service Brick and Mortar
63289591Loudon Branch1366 Highway 72 North, Loudon, TN 37774June 04, 1991Full Service Brick and Mortar
64289592Tellico Village Branch202 Chota Road, Loudon, TN 37774August 04, 1994Full Service Brick and Mortar
65289593Farragut Branch11134 Kingston Pike, Knoxville, TN 37922May 15, 1995Full Service Brick and Mortar
66289594Kingston Branch223 North 3rd Street, Kingston, TN 37763December 30, 1997Full Service Brick and Mortar
68360972Hunters Crossing Branch1087 Hunters Crossing, Alcoa, TN 37701August 28, 2000Full Service Brick and Mortar
69363275Madisonville Branch4930 New Highway 68, Unit C, Madisonville, TN 37354Febuary 04, 2002Full Service Brick and Mortar
70426529Athens Branch123 Washington Ave, West, Athens, TN 37303March 01, 2004Full Service Brick and Mortar
74458356Cleveland Main Branch2525 Keith Street, Cleveland, TN 37312January 29, 2007Full Service Brick and Mortar
90469441North Oconee Street Branch4405 North Oconee Street, Cleveland, TN 37312November 19, 2007Full Service Brick and Mortar
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