REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2015

Banking And Thrift [Abstract]

Actual and Statutory Required Capital Amounts and Ratios

	June 30, 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)	$	237,890		19.69	%	$	96,655		8.00	%	$	120,819		10.00	%
Tier 1 capital (to risk-weighted assets)		222,593		18.42	%		72,492		6.00	%		96,655		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		222,593		18.42	%		54,369		4.50	%		78,532		6.50	%
Tier 1 capital (to average assets)**		222,593		11.94	%		74,542		4.00	%		93,177		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.

	June 30, 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)	$	248,306		20.57	%	$	96,565		8.00	%	$	120,707		10.00	%
Tier 1 capital (to risk-weighted assets)		232,991		19.30	%		72,424		6.00	%		96,565		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		232,991		19.30	%		54,318		4.50	%		78,459		6.50	%
Tier 1 capital (to average assets)**		232,991		12.50	%		74,541		4.00	%		93,176		5.00	%

Components of Home Savings Regulatory Capital

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

	June 30, 2015			December 31, 2014
Total shareholders' equity	$	223,855		$	217,372
Add (deduct)
Accumulated other comprehensive income		22,061			20,015
Intangible assets		(23	)		(84	)
Disallowed deferred tax assets		(23,300	)		(17,223	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		222,593			220,080
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		15,297			13,894
Total risk-based capital	$	237,890		$	233,974

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

	June 30, 2015
Total shareholders' equity	$	236,462
Add (deduct)
Accumulated other comprehensive income		22,045
Intangible assets		(23	)
Disallowed deferred tax assets		(25,493	)
Disallowed capitalized mortgage loan servicing rights		—
Tier 1 Capital		232,991
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		15,315
Total risk-based capital	$	248,306