REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 30, 2016

Home Savings [Member]

Actual and Statutory Required Capital Amounts and Ratios

	September 30, 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)	$	253,440		17.21	%	$	127,008		8.625	%	$	147,255		10.00	%
Tier 1 capital (to risk-weighted assets)		235,230		15.97	%		97,557		6.625	%		117,804		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		235,230		15.97	%		75,468		5.125	%		95,716		6.50	%
Tier 1 capital (to average assets)**		235,230		11.28	%		83,421		4.000	%		104,276		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:

	September 30, 2016			December 31, 2015
Total shareholders' equity	$	234,598		$	220,872
Add (deduct)
Accumulated other comprehensive income		10,268			19,236
Intangible assets		(4	)		(12	)
Disallowed deferred tax assets		(9,632	)		(15,610	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		235,230			224,486
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		18,210			16,211
Total risk-based capital	$	253,440		$	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.

	September 30, 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)	$	271,115		18.39	%	$	127,163		8.625	%	$	147,435		10.00	%
Tier 1 capital (to risk-weighted assets)		252,881		17.15	%		97,676		6.625	%		117,948		8.00	%
Common equity Tier 1 capital (to risk-weighted    assets)		252,881		17.15	%		75,560		5.125	%		95,833		6.50	%
Tier 1 capital (to average assets)**		252,881		12.12	%		83,475		4.000	%		104,344		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:

	September 30, 2016			December 31, 2015
Total shareholders' equity	$	256,403		$	244,245
Add (deduct)
Accumulated other comprehensive income		10,251			19,220
Intangible assets		(1,542	)		(12	)
Disallowed deferred tax assets		(12,231	)		(17,950	)
Disallowed capitalized mortgage loan servicing rights		—			—
Tier 1 Capital		252,881			245,503
Allowance for loan losses and allowance for unfunded lending commitments    limited to 1.25% of total risk-weighted assets		18,234			16,229
Total risk-based capital	$	271,115		$	261,732