United Community Banks, Inc. (NYSE:UCB) Q4 2024 Earnings Call January 22, 2025 9:00 AM ET
Company Participants
Lynn Harton – Chairman and CEO
Jefferson Harralson – CFO
Rob Edwards – CRO
Rich Bradshaw – President and Chief Banking Officer
Conference Call Participants
Michael Rose – Raymond James
Catherine Mealor – KBW
Christopher Marinac – Janney Montgomery Scott
Gary Tenner – D.A. Davidson
Operator
Good morning, and welcome to United Community Banks’ Fourth Quarter 2024 Earnings Call. Hosting our call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw, and Chief Risk Officer, Rob Edwards.
United’s presentation today includes references to operating earnings, pretax, precredit earnings and other non-GAAP financial information. For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the Financial Highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com. Copies of the fourth quarter’s earnings release and investor presentation were filed this morning on Form 8-K with the SEC and a replay of this call will be available in the Investor Relations section of the company’s website at ucbi.com.
Please be aware that during this call, forward-looking statements may be made by representatives of United. Any forward-looking statements should be considered in light of risks and uncertainties described on Pages 5 and 6 of the company’s 2023 Form 10-K as well as other information provided by the company in its filings with the SEC and included on its website.
At this time, I will turn the call over to Lynn Harton.
Lynn Harton
Good morning, and thank you for joining our call today. We were pleased to report earnings of $0.61 this quarter and $2.04 for the full
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