United Community Bank in Blairsville, Georgia (GA), NC, TN
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total 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
  • 1,701Total employees (full-time equivalent)
  • $6,977,357Total assets
  • $190,497Cash and due from depository institutions
  • $135,249Interest-bearing balances
  • $2,117,878Securities
  • $185,000Federal funds sold & reverse repurchase agreements
  • $4,073,509Net loans & leases
  • $114,468Loan loss allowance
  • $0Trading account assets
  • $175,052Bank premises and fixed assets
  • $43,229Other real estate owned
  • $8,428Goodwill and other intangibles
  • $6,977,357Life insurance assets
  • $183,764All other assets
  • $6,352,957Total liabilities and capital
  • $6,170,142Total liabilities
  • $5,172,314Total deposits
  • $6,170,142Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 102577.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,625Trading liabilities
  • $0Other borrowed funds
  • $39,613Subordinated debt
  • $624,400All other liabilities
  • $624,400Total equity capital
  • $624,400Total bank equity capital
  • $0Perpetual preferred stock
  • $850Common stock
  • $1,440,231Surplus
  • $-816,681Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $23,881Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $129,035Income earned, not collected on loans
  • $364Earning assets
  • $20,690Long-term assets (5+ years)
  • $6,511,636Average Assets, year-to-date
  • $1,863,863Average Assets, quarterly
  • $7,197,354Volatile liabilities
  • $6,933,164Insider loans
  • $4,517,568FHLB advances
  • $6,996,780Loans and leases held for sale
  • $80,599Unused loan commitments
  • $13,461Tier 1 (core) risk-based capital
  • $614,532Tier 2 risk-based capital
  • $67,138Total risk weighted assets
  • $0Total unused commitments
  • $433,443Restructured Loans and leases
  • $5,765Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $297,629Total interest income
  • $56,330Total interest expense
  • $241,299Net interest income
  • $251,000Provision for loan and lease losses
  • -$19,611Total noninterest income
  • $0Fiduciary activities
  • $16,035Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$35,646Additional noninterest income
  • $192,704Total noninterest expense
  • $95,232Salaries and employee benefits
  • $26,383Premises and equipment expense
  • $71,089Additional noninterest expense
  • -$222,016Pre-tax net operating income
  • $842Securities gains (losses)
  • -$5,255Applicable income taxes
  • -$215,919Income before extraordinary items
  • $0Extraordinary gains - net
  • -$215,919Net income attributable to bank
  • $0Net charge-offs
  • -$215,919Cash dividends
  • $311,227Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.64%Net interest margin
  • -0.30%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • -3.01%Net operating income to assets
  • -3.00%Return on assets (ROA)
  • -3.07%Pretax return on assets
  • -34.95%Return on equity (ROE)
  • -34.95%Retained earnings to average equity (YTD only)
  • 7.17%Net charge-offs to loans
  • 80.65%Credit loss provision to net charge-offs
  • 0.09%Efficiency ratio
  • 85,564Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 88.71%Noncurrent assets plus other real estate owned to assets
  • 2.47%Noncurrent loans to loans
  • 3.08%Net loans and leases to deposits
  • 66.02%Net loans and leases to core deposits
  • 72.34%Equity capital to assets
  • 8.95%Core capital (leverage) ratio
  • 8.78%Tier 1 risk-based capital ratio
  • 13.60%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $7,197,354Average earning assets
  • $617,822Average equity
  • $6,630,604Average loans

List of branches

  • 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
  • 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
  • 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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