REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2017

Home Savings [Member]

Actual and Statutory Required Capital Amounts and Ratios

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

	March 31, 2017
											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)	$	265,328		14.41	%	$	170,277		9.25	%	$	184,083		10.00	%
Tier 1 capital (to risk-weighted assets)		246,382		13.38	%		133,460		7.25	%		147,266		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		246,382		13.38	%		105,848		5.75	%		119,654		6.50	%
Tier 1 capital (to average assets)**		246,382		10.20	%		96,598		4.00	%		120,748		5.00	%

	December 31, 2016
											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)	$	248,861		16.47	%	$	130,292		8.625	%	$	151,063		10.00	%
Tier 1 capital (to risk-weighted assets)		229,938		15.22	%		100,079		6.625	%		120,850		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		229,938		15.22	%		77,420		5.125	%		98,191		6.50	%
Tier 1 capital (to average assets)**		229,938		10.65	%		86,360		4.00	%		107,950		5.00	%

** Tier 1 Leverage Capital Ratio

*** The capital ratios are reflective of the capital conservation buffer

Components of Regulatory Capital

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

	March 31, 2017			December 31, 2016
Total shareholders' equity	$	254,575		$	216,475
Add (deduct)
Accumulated other comprehensive income		20,057			21,056
Intangible assets		(20,377	)		(3	)
Disallowed deferred tax assets		(7,873	)		(7,590	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		246,382			229,938
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		18,946			18,923
Total risk-based capital	$	265,328		$	248,861

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, 2017
	Actual					Minimum Capital
	Actual					Requirements
	Actual					Per Regulation***
	Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total capital (to risk-weighted assets)	$	281,830		15.31	%	$	170,304		9.25	%
Tier 1 capital (to risk-weighted assets)		262,860		14.28	%		133,481		7.25	%
Common equity Tier 1 capital (to risk-weighted    assets)		262,860		14.28	%		105,865		5.75	%
Tier 1 capital (to average assets)**		262,860		10.89	%		96,575		4.00	%
	December 31, 2016
						Minimum Capital
						Requirements
	Actual					Per Regulation***
	Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total capital (to risk-weighted assets)	$	277,817		18.38	%	$	130,369		8.625	%
Tier 1 capital (to risk-weighted assets)		258,869		17.13	%		100,139		6.625	%
Common equity Tier 1 capital (to risk-weighted    assets)		258,869		17.13	%		77,466		5.125	%
Tier 1 capital (to average assets)**		258,869		11.98	%		86,425		4.000	%

Components of Regulatory Capital

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

	March 31, 2017			December 31, 2016
Total shareholders' equity	$	277,102		$	249,806
Add (deduct)
Accumulated other comprehensive income		20,042			21,040
Intangible assets		(22,877	)		(1,567	)
Disallowed deferred tax assets		(11,407	)		(10,410	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		262,860			258,869
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		18,970			18,948
Total risk-based capital	$	281,830		$	277,817