Exhibit 12.1

UNITED COMMUNITY BANKS, INC.
RATIO OF EARNINGS TO FIXED CHARGES (Regulation S-K 503(d))
		12/31/14			12/31/13			12/31/12			12/31/11			12/31/10
EARNINGS
			107,070			34,952			34,906			(230,729	)		(432,292	)
	Fixed Charges		26,936			47,044			57,786			84,637			116,686
	Amortization of Capitalized Interest		-			-			-			-			-
	Capitalized Interest		-			-			-			-			-
	Preferred Series A Dividends (pre-tax equivalent)		-			(20	)		(20	)		(20	)		(20	)
	Preferred Series B Dividends (pre-tax equivalent)		(245	)		(16,002	)		(16,100	)		(16,000	)		(15,850	)
	Preferred Series D Dividends (pre-tax equivalent)		(431	)		(2,562	)		(2,569	)		(2,192	)		-
	Total Earnings		133,331			63,413			74,002			(164,304	)		(331,476	)
	Interest on Deposits		11,925			14,566			23,814			48,802			81,732
	Total Earnings Excluding Deposit Interest		121,406			48,847			50,188			(213,106	)		(413,208	)
FIXED CHARGES
			25,549			27,680			37,909			65,638			100,070
	Interest Capitalized		-			-			-			-			-
	Interest Included in Rental Expense		712			781			767			749			745
	Preferred Series A Dividends (pre-tax equivalent)		-			20			20			20			20
	Preferred Series B Dividends (pre-tax equivalent)		245			16,002			16,100			16,000			15,850
	Preferred Series D Dividends (pre-tax equivalent)		431			2,562			2,569			2,192			-
	Total Fixed Charges		26,936			47,044			57,366			84,599			116,685
	Interest on Deposits		11,925			14,566			23,814			48,802			81,732
	Total Fixed Charges Excluding Deposit Interest		15,011			32,478			33,552			35,797			34,953
RATIO OF EARNINGS TO FIXED CHARGES
	Including Interest on Deposits		4.95	x		1.35	x		1.29	x		(1.94	) x		(2.84	) x
	Excluding Interest on Deposits		8.09	x		1.50	x		1.50	x		(5.95	) x		(11.82	) x
DEFICIENCY (503(d) 1(A)) with deposit interest			-			-			-			248,903			448,161
DEFICIENCY (503(d) 1(A)) without deposit interest			-			-			-			248,903			448,161