Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2020

Schedule of minimum amounts required for capital adequacy purposes

Regulatory capital ratios at March 31, 2020 and December 31, 2019, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under prompt corrective action provisions in effect at such times are presented below for United and the Bank (dollars in thousands):



	Basel III Guidelines				United Community Banks, Inc. (Consolidated)						United Community Bank
	Minimum ⁽¹⁾		Well Capitalized		March 31, 2020			December 31, 2019			March 31, 2020			December 31, 2019
Risk-based ratios:
Common equity tier 1 capital	4.5	%	6.5	%	12.85		%	12.97		%	13.58		%	14.87		%
Tier 1 capital	6.0		8.0		13.09			13.21			13.58			14.87
Total capital	8.0		10.0		14.93			15.01			14.30			15.54
Leverage ratio	4.0		5.0		10.40			10.34			10.78			11.63

Common equity tier 1 capital					$	1,283,068		$	1,275,148		$	1,351,820		$	1,458,720
Tier 1 capital					1,307,318			1,299,398			1,351,820			1,458,720
Total capital					1,490,998			1,476,302			1,424,147			1,524,267
Risk-weighted assets					9,983,839			9,834,051			9,957,388			9,810,477
Average total assets for the leverage ratio					12,570,521			12,568,563			12,538,532			12,545,254

⁽¹⁾As of March 31, 2020 and December 31, 2019 the additional capital conservation buffer in effect was 2.50%