REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2015

Banking And Thrift [Abstract]

Actual and Statutory Required Capital Amounts and Ratios

	March 31, 2015
											To Be Well Capitalized
						Minimum Capital					Under Prompt
						Requirements For Capital					Corrective Action
	Actual					Adequacy Purposes					Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total risk-based capital (to risk-weighted assets)	$	233,544		20.48	%	$	91,235		8.00	%	$	114,044		10.00	%
Tier 1 capital (to risk-weighted assets)		219,252		19.23	%		68,426		6.00	%		91,235		8.00	%
Common equity Tier 1 capital (to risk-weighted assets)		219,252		19.23	%		51,320		4.50	%		74,128		6.50	%
Tier 1 capital (to average total assets)**		219,252		11.99	%		74,056		4.00	%		92,570		5.00	%

	December 31, 2014
											To Be Well Capitalized
						Minimum Capital					Under Prompt
						Requirements					Corrective Action
	Actual					Per Regulation					Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total risk-based capital to risk-weighted assets	$	233,974		21.13	%	$	88,602		8.00	%	$	110,752		10.00	%
Tier 1 capital to risk-weighted assets		220,080		19.87	%	*		*				66,451		6.00	%
Tier 1 capital to average total assets**		220,080		12.11	%		72,674		4.00	%		90,843		5.00	%

* Ratio was not required under regulations existing at that time

** Tier 1 Leverage Capital Ratio

Actual and regulatory required consolidated capital ratios for United Community, along with the dollar amount of capital implied by such ratios, are presented below.

	March 31, 2015
											To Be Well Capitalized
						Minimum Capital					Under Prompt
						Requirements For Capital					Corrective Action
	Actual					Adequacy Purposes					Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total capital (to risk-weighted assets)	$	253,336		22.19	%	$	91,336		8.00	%	$	114,170		10.00	%
Tier 1 capital (to risk-weighted assets)		239,028		20.94	%		68,502		6.00	%		91,336		8.00	%
Common equity Tier 1 capital (to risk-weighted assets)		239,028		20.94	%		51,376		4.50	%		74,210		6.50	%
Tier 1 capital (to average assets)**		239,028		13.07	%		74,137		4.00	%		92,672		5.00	%

Components of Home Savings Regulatory Capital

The components of Home Savings’ regulatory capital are as follows:

	March 31, 2015			December 31, 2014
Total shareholders' equity	$	225,314		$	217,372
Add (deduct)
Accumulated other comprehensive income		16,126			20,015
Intangible assets		(28	)		(84	)
Disallowed deferred tax assets		(22,160	)		(17,223	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		219,252			220,080
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		14,292			13,894
Total risk-based capital	$	233,544		$	233,974

The components of United Community’s consolidated regulatory capital are as follows:

	March 31, 2015
Total shareholders' equity	$	247,104
Add (deduct)
Accumulated other comprehensive income		16,108
Intangible assets		(28	)
Disallowed deferred tax assets		(24,156	)
Disallowed capitalized mortgage loan servicing rights		—
Tier 1 Capital		239,028
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		14,308
Total risk-based capital	$	253,336