REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2018

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.

	June 30, 2018
						Minimum Capital
						Requirements
	Actual					Per Regulation***
	Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total capital (to risk-weighted assets)	$	322,996		15.33	%	$	208,003		9.88	%
Tier 1 capital (to risk-weighted assets)		301,591		14.32	%		165,876		7.88	%
Common equity Tier 1 capital (to risk-weighted assets)		301,591		14.32	%		134,281		6.38	%
Tier 1 capital (to average assets)**		301,591		11.15	%		108,227		4.00	%
	December 31, 2017
						Minimum Capital
						Requirements
	Actual					Per Regulation***
	Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
Total capital (to risk-weighted assets)	$	306,946		15.35	%	$	184,881		9.25	%
Tier 1 capital (to risk-weighted assets)		285,744		14.29	%		144,907		7.25	%
Common equity Tier 1 capital (to risk-weighted assets)		285,744		14.29	%		114,926		5.75	%
Tier 1 capital (to average assets)**		285,744		10.93	%		104,588		4.00	%

Components of Regulatory Capital

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

	June 30, 2018			December 31, 2017
Total shareholders' equity	$	301,484		$	294,265
Add (deduct)
Accumulated other comprehensive loss		24,077			18,701
Intangible assets		(23,970	)		(23,416	)
Disallowed deferred tax assets		—			(3,806	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		301,591			285,744
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		21,405			21,202
Total risk-based capital	$	322,996		$	306,946

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.

	June 30, 2018
											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)	$	297,086		14.18	%	$	208,136		9.88	%	$	210,771		10.00	%
Tier 1 capital (to risk-weighted assets)		275,748		13.16	%		165,982		7.88	%		168,617		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		275,748		13.16	%		134,367		6.38	%		137,001		6.50	%
Tier 1 capital (to average assets)**		275,748		10.23	%		107,584		4.00	%		134,480		5.00	%

	December 31, 2017
											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)	$	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

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

Components of Regulatory Capital

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

	June 30, 2018			December 31, 2017
Total shareholders' equity	$	272,816		$	276,494
Add (deduct)
Accumulated other comprehensive loss		24,092			18,701
Intangible assets		(21,160	)		(20,903	)
Disallowed deferred tax assets		—			(2,515	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		275,748			271,777
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		21,338			21,151
Total risk-based capital	$	297,086		$	292,928