REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2016

Home Savings [Member]

Actual and Statutory Required Capital Amounts and Ratios

	March 31, 2016
											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)	$	245,669		18.39	%	$	115,224		8.625	%	$	133,594		10.00	%
Tier 1 capital (to risk-weighted assets)		228,894		17.13	%		88,506		6.625	%		106,875		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		228,894		17.13	%		68,467		5.125	%		86,836		6.50	%
Tier 1 capital (to average assets)**		228,894		11.53	%		79,427		4.000	%		99,284		5.00	%

	December 31, 2015
											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 capital (to risk-weighted assets)	$	240,697		18.72	%	$	102,879		8.00	%	$	128,599		10.00	%
Tier 1 capital (to risk-weighted assets)		224,486		17.46	%		77,159		6.00	%		102,879		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		224,486		17.46	%		57,869		4.50	%		83,589		6.50	%
Tier 1 capital (to average assets)**		224,486		11.46	%		78,347		4.00	%		97,934		5.00	%

** Tier 1 Leverage Capital Ratio

Components of Regulatory Capital

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

	March 31, 2016			December 31, 2015
Total shareholders' equity	$	230,771		$	220,872
Add (deduct)
Accumulated other comprehensive income		12,954			19,236
Intangible assets		(10	)		(12	)
Disallowed deferred tax assets		(14,821	)		(15,610	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		228,894			224,486
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		16,775			16,211
Total risk-based capital	$	245,669		$	240,697

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.

	March 31, 2016
											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)	$	264,236		19.81	%	$	115,024		8.625	%	$	133,361		10.00	%
Tier 1 capital (to risk-weighted assets)		247,478		18.56	%		88,351		6.625	%		106,689		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		247,478		18.56	%		68,347		5.125	%		86,684		6.50	%
Tier 1 capital (to average assets)**		247,478		12.46	%		79,425		4.000	%		99,281		5.00	%
	December 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)	$	261,732		20.35	%	$	102,886		8.00	%	$	128,608		10.00	%
Tier 1 capital (to risk-weighted assets)		245,503		19.09	%		77,165		6.00	%		102,886		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		245,503		19.09	%		57,874		4.50	%		83,595		6.50	%
Tier 1 capital (to average assets)**		245,503		12.53	%		78,348		4.00	%		97,934		5.00	%

Components of Regulatory Capital

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

	March 31, 2016			December 31, 2015
Total shareholders' equity	$	251,804		$	244,245
Add (deduct)
Accumulated other comprehensive income		12,938			19,220
Intangible assets		(10	)		(12	)
Disallowed deferred tax assets		(17,254	)		(17,950	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		247,478			245,503
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		16,758			16,229
Total risk-based capital	$	264,236		$	261,732