United Community Banks, Inc. Presents at 31st Annual Institutional Investors Conference, Mar-09-2010. Venue: JW Marriott Grande Lakes, Orlando, Florida, United States. Speakers: David P. Shearrow, Chief Risk Officer and Executive Vice President, Jimmy C. Tallent, Chief Executive Officer, President and Director, Rex S. Schuette, Chief Financial Officer, Executive Vice President and Director of Brintech.

United Community Banks, Inc. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2009. For the quarter, the company reported net loss available to common shareholders of $42,402,000 or $0.45 per basic and diluted share on total revenue of $9,451,000 against net loss available to common shareholders of $47,459,000 or $0.99 per basic and diluted share on total revenue of $22,962,000 for the same period in the last year. Loss before income taxes was $71,983,000 against $75,401,000 for the same period in the last year. Net interest revenue was $63,328,000 against $51,320,000 for the same period in the last year. Total interest revenue was $96,880,000 against $107,881,000 for the same period in the last year. Net interest revenue after provision for loan losses was $26,672,000 against $33,680,000 for the same period in the last year. Net operating loss was $39,835,000 or $0.45 per diluted share against $46,747,000 or $0.99 per diluted share for the same period in the last year. Operating loss before taxes was $71,382,000 against $74,848,000 for the same period in the last year. Book value was $8.36 per share against $16.95 for the same period in the last year. Negative return on equity was 22.08% against negative return on equity of 23.83% for the same period in the last year. Negative return on assets was 1.91% against negative return on assets of 2.19% for the same period in the last year. For the year, the company reported net loss available to common shareholders of $238,569,000 or $3.95 per basic and diluted share on total revenue of $3,273,000 against net loss available to common shareholders of $64,174,000 or $1.35 per basic and diluted share on total revenue of $105,584,000 for the same period in the last year. Loss before income taxes was $318,680,000 against $101,115,000 for the same period in the last year. Net interest revenue was $243,095,000 against $236,443,000 for the same period in the last year. Total interest revenue was $402,829,000 against $464,708,000 for the same period in the last year. Net interest revenue after provision for loan losses was negative at $66,905,000 against net interest revenue after provision for loan losses of $52,443,000 for the same period in the last year. Net operating loss for the year 2009 was $138.6 million, or $2.47 per diluted share, and did not reflect $95 million of non-cash charges for goodwill impairment in the first and third quarters. Also not included were $2.9 million in severance costs in the first quarter and the $11.4 million gain on the Southern Community Bank acquisition in the second quarter, all of which are considered non-operating items and are therefore excluded from operating earnings. Including these non-operating items, the net loss for 2009 was $228.3 million, or $3.95 per diluted share. Net operating loss was $63,450,000 or $1.35 per diluted share for 2008. Negative return on equity was 34.40% against negative return on equity of 7.82% for the same period in the last year. Negative return on assets was 2.76% against negative return on assets of 0.76% for the same period in the last year. Net charge-offs were $84,585,000 for the fourth quarter of 2009 against $74,028,000 for the same period in the last year.

United Community Banks, Inc. expected to Report Q1 2010 Results on April 19, 2010. This event was calculated by Capital IQ (Created on January 29, 2010).

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