REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2017

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.

	December 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)	$	306,946		15.35	%	$	184,881		9.25	%	$	199,872		10.00	%
Tier 1 capital (to risk-weighted assets)		285,744		14.29	%		144,907		7.25	%		159,897		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		285,744		14.29	%		114,926		5.75	%		119,923		6.50	%
Tier 1 capital (to average assets)**		285,744		10.93	%		104,588		4.00	%		130,735		5.00	%

	December 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)	$	277,817		18.38	%	$	130,369		8.63	%	$	151,153		10.00	%
Tier 1 capital (to risk-weighted assets)		258,869		17.13	%		100,139		6.63	%		120,922		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		258,869		17.13	%		77,466		5.13	%		98,249		6.50	%
Tier 1 capital (to average assets)**		258,869		11.98	%		86,425		4.00	%		108,031		5.00	%

Components of Regulatory Capital

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

	December 31, 2017			December 31, 2016
	(Dollars in thousands)
Total shareholders' equity	$	294,265		$	249,806
Add (deduct)
Accumulated other comprehensive loss		18,701			21,040
Intangible assets		(23,416	)		(1,567	)
Disallowed deferred tax assets		(3,806	)		(10,410	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		285,744			258,869
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		21,202			18,948
Total risk-based capital	$	306,946		$	277,817

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.

	December 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)	$	292,928		14.70	%	$	184,235		9.25	%	$	199,173		10.00	%
Tier 1 capital (to risk-weighted assets)		271,777		13.64	%		144,400		7.25	%		159,338		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		271,777		13.64	%		114,525		5.75	%		129,463		6.50	%
Tier 1 capital (to average assets)**		271,777		10.42	%		104,308		4.00	%		130,385		5.00	%

**Tier 1 Leverage Capital Ratio

	December 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)	$	248,861		16.47	%	$	130,292		8.63	%	$	151,063		10.00	%
Tier 1 capital (to risk-weighted assets)		229,938		15.22	%		100,079		6.63	%		120,850		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		229,938		15.22	%		77,420		5.13	%		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

Components of Regulatory Capital

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

	December 31, 2017			December 31, 2016
	(Dollars in thousands)
Total shareholders' equity	$	276,494		$	216,475
Add (deduct)
Accumulated other comprehensive loss		18,701			21,056
Intangible assets		(20,903	)		(3	)
Disallowed deferred tax assets		(2,515	)		(7,590	)
Disallowed capitalized mortgage loan servicing rights	—			—
Tier 1 Capital		271,777			229,938
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		21,151			18,923
Total risk-based capital	$	292,928		$	248,861