Another key item for United Community Banks is the lifting of a memorandum of understanding (MOU) with the Federal Deposit Insurance Corp. and the Georgia Department of Banking and Finance (GDBF). This MOU required the company's main banking subsidiary -- United Community Bank -- to maintain a Tier 1 leverage ratio of at least 8% and a total risk-based capital ratio of at least 10%, and also required UCBI to seek regulatory approval for any payments of dividends up to the holding company.