REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 30, 2015

Home Savings [Member]

Actual and Statutory Required Capital Amounts and Ratios

	September 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)	$	247,578		19.67	%	$	100,692		8.00	%	$	125,865		10.00	%
Tier 1 capital (to risk-weighted assets)		231,685		18.41	%		75,519		6.00	%		100,692		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		231,685		18.41	%		56,639		4.50	%		81,812		6.50	%
Tier 1 capital (to average assets)**		231,685		12.01	%		77,144		4.00	%		96,429		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

Components of Regulatory Capital

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

	September 30, 2015			December 31, 2014
Total shareholders' equity	$	233,481		$	217,372
Add (deduct)
Accumulated other comprehensive income		16,923			20,015
Intangible assets		(17	)		(84	)
Disallowed deferred tax assets		(18,702	)		(17,223	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		231,685			220,080
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		15,893			13,894
Total risk-based capital	$	247,578		$	233,974

United Community [Member]

Actual and Statutory Required Capital Amounts and Ratios

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

	September 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)	$	255,779		20.32	%	$	100,699		8.00	%	$	125,874		10.00	%
Tier 1 capital (to risk-weighted assets)		239,868		19.06	%		75,525		6.00	%		100,699		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		239,868		19.06	%		56,643		4.50	%		81,818		6.50	%
Tier 1 capital (to average assets)**		239,868		12.44	%		77,145		4.00	%		96,431		5.00	%

Components of Regulatory Capital

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

	September 30, 2015
Total shareholders' equity	$	243,929
Add (deduct)
Accumulated other comprehensive income		16,907
Intangible assets		(17	)
Disallowed deferred tax assets		(20,951	)
Disallowed capitalized mortgage loan servicing rights		—
Tier 1 Capital		239,868
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		15,911
Total risk-based capital	$	255,779