United Community Banks Q3 net income $81.2M, EPS $0.74, loans up 9.4% annualized

UNITED COMMUNITY BANKS INC

2022-Q3 EPS reported $1.78 revenue$602,740,000

Diluted EPS $0.74, up 21% QoQ, down 10% YoY; operating EPS $0.75.
Net interest margin expanded 38 bps to 3.57%; efficiency ratio improved to 48.4% GAAP (47.7% operating).
Total loans grew $341M (9.4% annualized); deposits fell $552M, mainly seasonal public deposit decline.
Provision for credit losses $15.4M (vs -$11.0M release in Q3 2021); allowance for loan losses 1.12% of loans.
Quarterly common dividend declared at $0.22/share, up 10% YoY.

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