exv99w1

Exhibit 99.1

Hanmi Financial Corporation Reports
Second-Quarter 2009 Financial Results

— To Restate First-Quarter Results —

LOS ANGELES — August 6, 2009 — Hanmi Financial Corporation (NASDAQ:HAFC) (“we,” “our” or “Hanmi”), the holding company for Hanmi Bank (the “Bank”), reported a second-quarter net loss of $9.5 million, or ($0.21) per share, compared to a net loss of $105.5 million, or ($2.30) per share, in the second quarter of 2008, and compared to a net loss of $17.2 million, or ($0.37) per share, in the first quarter of 2009; the second-quarter 2008 net loss included a non-cash goodwill impairment charge of $107.4 million.

For the six months ended June 30, 2009, we reported a net loss of $26.7 million, or ($0.58) per share, compared to a net loss of $102.6 million, or ($2.24) per share, for the comparable period of 2008.

In a related matter, following the findings of a recent regulatory examination of the Bank, Hanmi determined that it will restate its Quarterly Report on Form 10-Q for the period ended March 31, 2009. The restatement includes an increase of the allowance for loan losses by $21.0 million to reflect an adjustment to the qualitative reserve factors that the Bank utilized in calculating its allowance for loan losses as of March 31, 2009. The adjustments in the qualitative reserve factors were the result of management incorporating first quarter trends in delinquent, classified and non-performing loans that the Bank’s loan portfolio is experiencing. The restatement also reflects certain loan grading changes that occurred as a result of the recent regulatory examination.

According to Jay S. Yoo, President and Chief Executive Officer of Hanmi, “As a result of the restatement, the first-quarter net loss increased to $17.2 million, or ($0.37) per share. The higher allowance for loan losses is attributable to the more defensive application of applying the Bank’s methodology to reflect the prolonged downturn in the economy that has led to a further deterioration in commercial real estate values in Southern California.

“Second-quarter results point to the same factors that led us to our decision to restate first-quarter results — namely, the continuing recession and its effect on a growing number of our customers who are increasingly having difficulty meeting their financial obligations to the Bank,” continued Mr. Yoo. “Their difficulties are evident in growing delinquencies and an increase in the number of non-performing loans. With that understood, and consistent with our longstanding commitment to ensuring that loan loss provisions fully reflect the economic realities of the day, we continue to be vigilant in fully and proactively addressing the challenges of our current credit environment. With no quick end to the recession in sight, we continue to diligently monitor loans with the aim of addressing problematic credits in a timely fashion. Similarly, we are carefully evaluating credits that are subject to renewal and accepting only those that are of the highest quality; this was in part responsible for the decrease of $160.4 million in the loan portfolio compared to March 31, 2009.

“On a positive note,” concluded Mr. Yoo, “as previously announced, on June 12, 2009, we entered into a Securities Purchase Agreement, subsequently amended on July 31, 2009, with Leading Investment & Securities Co., Ltd. (“Leading”), a Korean securities broker-dealer, for a total capital infusion of $11.0 million. The initial investment of $6.9 million is in an escrow account awaiting regulatory consents. We expect to close the initial investment in the near future and to receive an additional $4.1 million from Leading by the end of September. Furthermore, we remain in active negotiations with another Korean institutional investor regarding a considerably larger infusion of equity capital.”

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Results of Operations

Second-quarter 2009 net interest income before provision for credit losses was unchanged at $23.1 million compared to the prior quarter. Interest and fees on loans decreased by $367,000, or 0.8 percent, from the first quarter of 2009, reflecting a decrease in the size of the loan portfolio. Interest paid on deposits declined by only $99,000, or 0.4 percent, from the first quarter of 2009 as a decline in the cost of funds was partially offset by a $91.8 million increase in the deposit portfolio in the second quarter.

During the second quarter, the high-cost six-month time deposits offered from December 2008 through March 2009 started to mature and a substantial number of them were rolled over into lower-cost deposits. The average cost of interest-bearing deposits accordingly decreased by eight basis points to 3.37 percent in the second quarter of 2009 from 3.45 percent in the first quarter. The average yield on the loan portfolio was unchanged at 5.46 percent in both the first and second quarters of 2009. Net interest margin likewise was essentially unchanged at 2.49 percent compared to 2.50 percent in the first quarter. It is anticipated that net interest margin will improve in the third quarter as $839.3 million of the aforementioned promotional time deposits will mature and are expect to be replaced by lower-cost deposits.

The provision for credit losses in the second quarter of 2009 was $23.9 million compared to $46.0 million in the prior quarter and $19.2 million in the second quarter of 2008. Second-quarter charge-offs, net of recoveries, were $23.6 million compared to $11.8 million in the prior quarter and $8.2 million in the second quarter of 2008. Second-quarter charge-offs consisted primarily of unsecured commercial and industrial loans. Management’s analysis of the third-party loan review that was completed during the second quarter, and the expectation of a prolonged recession, led to another significant provision for credit losses in the second quarter.

Total non-interest income in the second quarter of 2009 was $6.7 million compared to $8.4 million in the prior quarter and $9.7 million in the second quarter of 2008. The sequential decrease in non-interest income reflects a $909,000 other-than-temporary impairment (“OTTI”) loss on securities during the second quarter of 2009. There was also a $1.2 million net gain on sales of investment securities in the first quarter of 2009 and no comparable sales in the second quarter of 2009.

Total non-interest expense in the second quarter of 2009 was $24.7 million compared to $18.3 million in the first quarter, an increase of $6.4 million, or 35.3 percent, and $129.4 million in the second quarter of 2008, a decrease of $104.7 million, or 80.9 percent; second-quarter 2008 non-interest expense included a non-cash goodwill impairment charge of $107.4 million. The sequential increase in total non-interest expense is attributable mainly to a $2.4 million increase in deposit insurance premiums, including a $1.8 million accrual for a FDIC special assessment, a $1.4 million increase in other real estate owned (“OREO”) expense and a $1.0 million increase in loan-related expense. In addition, salaries and employee benefits increased to $8.5 million from the prior quarter’s $7.5 million, which had been reduced by the reversal of a $2.5 million post-retirement benefit obligation related to bank-owned life insurance. Absent this one-time reversal of expense, salaries and employee benefits in the second quarter decreased by $1.5 million from the prior quarter and by $2.8 million from $11.3 million in the second quarter of 2008, reflecting the progress of our cost-cutting efforts.

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Due primarily to the increase in non-interest expense, the efficiency ratio (non-interest expense divided by the sum of net interest income before provision for credit losses and non-interest income) increased to 82.85 percent, compared to 57.92 percent in the prior quarter and 296.07 percent in the second quarter of 2008.

Balance Sheet and Asset Quality

Total assets at June 30, 2009 decreased by $5.0 million, or 0.1 percent, to $3.87 billion from $3.88 billion at December 31, 2008 and increased by $25.7 million, or 0.7 percent, compared to $3.85 billion at June 30, 2008. Beginning in the second quarter of 2009, we carefully evaluated credit extensions subject to renewal and approved only those with the highest quality, which meaningfully reduced our loan portfolio. At June 30, 2009, gross loans, net of deferred loan fees, decreased by $204.2 million, or 6.1 percent, to $3.16 billion, compared to $3.36 billion at December 31, 2008, and decreased by $194.9 million, or 5.8 percent, compared to $3.35 billion at June 30, 2008.

During the second quarter of 2009, we launched a core-deposit campaign in order to secure sufficient funds in this time of uncertainty in the capital markets. Total deposits increased by $217.8 million, or 7.1 percent, to $3.29 billion at June 30, 2009, compared to $3.07 billion at December 31, 2008, and increased by $326.4 million, or 11.0 percent, compared to $2.96 billion at June 30, 2008. This increase in total deposits was mainly used to reduce our reliance on wholesale funds such as FHLB advances and broker deposits.

FHLB advances decreased by $211.2 million, or 50.0 percent, to $211.0 million at June 30, 2009, compared to $422.2 million at December 31, 2008, and decreased by $285.5 million, or 57.5 percent, compared to $496.4 million at June 30, 2008. At June 30, 2009, broker deposits were $475.0 million, a decline of $399.2 million, or 45.7 percent, compared to $874.1 million at December 31, 2008, and an increase of $279.9 million, or 143.5 percent, compared to $195.1 million at June 30, 2008.

“With a sizable positive cash position of $382.8 million that resulted from the decrease in loans and the increase in deposits, we are well positioned to rebuild our core deposit base even as we anticipate some run-off of the high-cost time deposits maturing in next few months,” said Brian Cho, Chief Financial Officer. “In the same process, we anticipate lowering our overall cost of deposits during the remainder of the year by replacing them with lower-cost deposits.”

Delinquent loans were $178.7 million (5.66 percent of total gross loans) at June 30, 2009, compared to $128.5 million (3.82 percent of total gross loans) at December 31, 2008, and $138.4 million (4.12 percent of total gross loans) at June 30, 2008. The majority of the increase in delinquencies was attributable to business property loans suffering during this economic downturn. Non-performing loans at June 30, 2009 were $167.3 million (5.30 percent of total gross loans), compared to $121.9 million (3.62 percent of total gross loans) at December 31, 2008, and $112.2 million (3.34 percent of total gross loans) at June 30, 2008. As of June 30, 2009, total non-performing assets included OREO of $34.0 million, a $33.2 million increase compared to $823,000 as of December 31, 2008. The increase in OREO during the second quarter is mostly attributable to two previously mentioned California properties that have been foreclosed: a condominium project in Oakland, and a private golf course in Fallbrook.

At June 30, 2009, the allowance for loan losses was $105.3 million, or 3.33 percent of total gross loans (62.92 percent of total non-performing loans), compared to $104.9 million, or 3.16 percent of total gross loans (67.13 percent of total non-performing loans), at March 31, 2009, and $63.0 million, or 1.88 percent of total gross loans (56.14 percent of total non-performing loans), at June 30, 2008.

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Capital Adequacy

At June 30, 2009, the Bank’s Tier 1 Leverage, Tier 1 Risk-Based Capital and Total Risk-Based Capital ratios were 8.01 percent, 9.42 percent and 10.70 percent, respectively, compared to 8.85 percent, 9.44 percent and 10.71 percent, respectively, at December 31, 2008.

Forward-Looking Statements

This release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statement. These factors include the following: failure to maintain adequate levels of capital and liquidity to support our operations; the effect of regulatory orders we have entered into and potential future supervisory action against us or Hanmi Bank; general economic and business conditions internationally, nationally and in those areas in which we operate; volatility and deterioration in the credit and equity markets; changes in consumer spending, borrowing and savings habits; availability of capital from private and government sources; the ability of Leading to complete the transactions contemplated by the Securities Purchase Agreement; demographic changes; competition for loans and deposits and failure to attract or retain loans and deposits; fluctuations in interest rates and a decline in the level of our interest rate spread; risks of natural disasters related to our real estate portfolio; risks associated with Small Business Administration (“SBA”) loans; failure to attract or retain key employees; changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums; ability to receive regulatory approval for Hanmi Bank to declare dividends to Hanmi Financial; adequacy of our allowance for loan losses, credit quality and the effect of credit quality on our provision for credit losses and allowance for loan losses; changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements; our ability to successfully integrate acquisitions we may make; our ability to control expenses; and changes in securities markets. In addition, we set forth certain risks in our reports filed with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the fiscal year ended December 31, 2008 and current and periodic reports filed with the Securities and Exchange Commission thereafter, which could cause actual results to differ from those projected. You should understand that it is not possible to predict or identify all such risks. Consequently, you should not consider such disclosures to be a complete discussion of all potential risks or uncertainties. We undertake no obligation to update such forward-looking statements except as required by law.

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HANMI FINANCIAL CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)
(Dollars in Thousands)


	June 30,			December 31,			%			June 30,			%
	2009			2008			Change			2008			Change
ASSETS
Cash and Due from Banks	$	382,826		$	85,188			349.4	%	$	110,222			247.3	%
Federal Funds Sold and Securities Purchased Under Resale Agreements		—			130,000			(100.0	)%		10,000			(100.0	)%

Cash and Cash Equivalents		382,826			215,188			77.9	%		120,222			218.4	%

Investment Securities		218,823			197,876			10.6	%		262,601			(16.7	)%
Loans:
Gross Loans, Net of Deferred Loan Fees		3,157,947			3,362,111			(6.1	)%		3,352,879			(5.8	)%
Allowance for Loan Losses		(105,268	)		(70,986	)		48.3	%		(62,977	)		67.2	%

Loans Receivable, Net		3,052,679			3,291,125			(7.2	)%		3,289,902			(7.2	)%

Due from Customers on Acceptances		1,916			4,295			(55.4	)%		6,717			(71.5	)%
Premises and Equipment, Net		19,833			20,279			(2.2	)%		20,801			(4.7	)%
Accrued Interest Receivable		12,118			12,347			(1.9	)%		13,155			(7.9	)%
Other Real Estate Owned, Net		34,018			823			4,033.4	%		—			—
Servicing Assets		3,444			3,791			(9.2	)%		4,328			(20.4	)%
Other Intangible Assets, Net		4,115			4,950			(16.9	)%		5,882			(30.0	)%
Investment in Federal Home Loan Bank Stock, at Cost		30,697			30,697			—			29,397			4.4	%
Investment in Federal Reserve Bank Stock, at Cost		10,053			10,228			(1.7	)%		11,733			(14.3	)%
Bank-Owned Life Insurance		25,937			25,476			1.8	%		24,998			3.8	%
Other Assets		74,392			58,741			26.6	%		55,371			34.4	%

TOTAL ASSETS	$	3,870,851		$	3,875,816			(0.1	)%	$	3,845,107			0.7	%


LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-Bearing	$	547,737		$	536,944			2.0	%	$	683,846			(19.9	)%
Interest-Bearing		2,740,186			2,533,136			8.2	%		2,277,714			20.3	%

Total Deposits		3,287,923			3,070,080			7.1	%		2,961,560			11.0	%
Accrued Interest Payable		31,859			18,539			71.8	%		16,583			92.1	%
Bank Acceptances Outstanding		1,916			4,295			(55.4	)%		6,717			(71.5	)%
Federal Home Loan Bank Advances		210,952			422,196			(50.0	)%		496,433			(57.5	)%
Other Borrowings		2,532			787			221.7	%		3,674			(31.1	)%
Junior Subordinated Debentures		82,406			82,406			—			82,406			—
Accrued Expenses and Other Liabilities		14,137			13,598			4.0	%		16,229			(12.9	)%

Total Liabilities		3,631,725			3,611,901			0.5	%		3,583,602			1.3	%
Stockholders’ Equity		239,126			263,915			(9.4	)%		261,505			(8.6	)%

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	3,870,851		$	3,875,816			(0.1	)%	$	3,845,107			0.7	%

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HANMI FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)
(Dollars in Thousands, Except Per Share Data)


	Three Months Ended															Six Months Ended
	June 30,			March 31,			%			June 30,			%			June 30,			June 30,			%
	2009			2009			Change			2008			Change			2009			2008			Change
				(Restated)
INTEREST AND DIVIDEND INCOME:
Interest and Fees on Loans	$	44,718		$	45,085			(0.8	)%	$	55,905			(20.0	)%	$	89,803		$	116,503			(22.9	)%
Taxable Interest on Investment Securities		1,381			1,352			2.1	%		2,579			(46.5	)%		2,733			5,695			(52.0	)%
Tax-Exempt Interest on Investment Securities		621			643			(3.4	)%		662			(6.2	)%		1,264			1,421			(11.0	)%
Dividends on Federal Home Loan Bank Stock		—			—			—			310			(100.0	)%		—			548			(100.0	)%
Dividends on Federal Reserve Bank Stock		153			153			—			176			(13.1	)%		306			352			(13.1	)%
Interest on Federal Funds Sold and Securities Purchased Under Resale Agreements		112			82			36.6	%		31			261.3	%		194			114			70.2	%
Interest on Term Federal Funds Sold		695			700			(0.7	)%		—			—			1,395			—			—

Total Interest and Dividend Income		47,680			48,015			(0.7	)%		59,663			(20.1	)%		95,695			124,633			(23.2	)%

INTEREST EXPENSE:
Interest on Deposits		22,686			22,785			(0.4	)%		20,487			10.7	%		45,471			45,334			0.3	%
Interest on Federal Home Loan Bank Advances		1,010			1,112			(9.2	)%		3,929			(74.3	)%		2,122			8,082			(73.7	)%
Interest on Other Borrowings		2			—			—			15			(86.7	)%		2			339			(99.4	)%
Interest on Junior Subordinated Debentures		846			988			(14.4	)%		1,164			(27.3	)%		1,834			2,613			(29.8	)%

Total Interest Expense		24,544			24,885			(1.4	)%		25,595			(4.1	)%		49,429			56,368			(12.3	)%

NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES		23,136			23,130			—			34,068			(32.1	)%		46,266			68,265			(32.2	)%

Provision for Credit Losses		23,934			45,953			(47.9	)%		19,229			24.5	%		69,887			37,050			88.6	%

NET INTEREST INCOME (LOSS) AFTER PROVISION FOR CREDIT LOSSES		(798	)		(22,823	)		(96.5	)%		14,839			(105.4	)%		(23,621	)		31,215			(175.7	)%

NON-INTEREST INCOME:
Service Charges on Deposit Accounts		4,442			4,315			2.9	%		4,539			(2.1	)%		8,757			9,256			(5.4	)%
Insurance Commissions		1,185			1,182			0.3	%		1,384			(14.4	)%		2,367			2,699			(12.3	)%
Remittance Fees		545			523			4.2	%		539			1.1	%		1,068			1,044			2.3	%
Trade Finance Fees		499			506			(1.4	)%		825			(39.5	)%		1,005			1,690			(40.5	)%
Other Service Charges and Fees		467			483			(3.3	)%		703			(33.6	)%		950			1,419			(33.1	)%
Bank-Owned Life Insurance Income		227			234			(3.0	)%		234			(3.0	)%		461			474			(2.7	)%
Gain on Sales of Investment Securities		1			1,276			(99.9	)%		—			—			1,277			618			106.6	%
Loss on Sales of Investment Securities		—			(109	)		(100.0	)%		—			—			(109	)		—			—
Net Gain on Sales of Loans		—			2			(100.0	)%		552			(100.0	)%		2			765			(99.7	)%
Other-Than-Temporary Impairment Loss on Securities		(909	)		(98	)		827.6	%		—			—			(1,007	)		—			—
Other Operating Income		214			66			224.2	%		876			(75.6	)%		280			1,452			(80.7	)%

Total Non-Interest Income		6,671			8,380			(20.4	)%		9,652			(30.9	)%		15,051			19,417			(22.5	)%

NON-INTEREST EXPENSE:
Salaries and Employee Benefits		8,508			7,503			13.4	%		11,301			(24.7	)%		16,011			22,581			(29.1	)%
Occupancy and Equipment		2,788			2,884			(3.3	)%		2,792			(0.1	)%		5,672			5,574			1.8	%
Deposit Insurance Premiums and Regulatory Assessments		3,929			1,490			163.7	%		758			418.3	%		5,419			1,318			311.2	%
Data Processing		1,547			1,536			0.7	%		1,698			(8.9	)%		3,083			3,232			(4.6	)%
Other Real Estate Owned Expense		1,502			143			950.3	%		—			—			1,645			139			1,083.5	%
Professional Fees		890			616			44.5	%		995			(10.6	)%		1,506			1,980			(23.9	)%
Loan-Related Expense		1,217			181			572.4	%		240			407.1	%		1,398			399			250.4	%
Advertising and Promotion		624			569			9.7	%		888			(29.7	)%		1,193			1,700			(29.8	)%
Supplies and Communications		599			570			5.1	%		623			(3.9	)%		1,169			1,327			(11.9	)%
Amortization of Other Intangible Assets		406			429			(5.4	)%		502			(19.1	)%		835			1,026			(18.6	)%
Other Operating Expenses		2,686			2,331			15.2	%		2,253			19.2	%		5,017			4,362			15.0	%
Impairment Loss on Goodwill		—			—			—			107,393			(100.0	)%		—			107,393			(100.0	)%

Total Non-Interest Expense		24,696			18,252			35.3	%		129,443			(80.9	)%		42,948			151,031			(71.6	)%

LOSS BEFORE PROVISION (BENEFIT) FOR INCOME TAXES		(18,823	)		(32,695	)		(42.4	)%		(104,952	)		(82.1	)%		(51,518	)		(100,399	)		(48.7	)%
Provision (Benefit) for Income Taxes		(9,288	)		(15,499	)		(40.1	)%		595			(1,661.0	)%		(24,787	)		2,227			(1,213.0	)%


NET LOSS	$	(9,535	)	$	(17,196	)		(44.6	)%	$	(105,547	)		(91.0	)%	$	(26,731	)	$	(102,626	)		(74.0	)%


LOSS PER SHARE:
Basic	$	(0.21	)	$	(0.37	)		(43.2	)%	$	(2.30	)		(90.9	)%	$	(0.58	)	$	(2.24	)		(74.1	)%
Diluted	$	(0.21	)	$	(0.37	)		(43.2	)%	$	(2.30	)		(90.9	)%	$	(0.58	)	$	(2.24	)		(74.1	)%

WEIGHTED-AVERAGE SHARES OUTSTANDING:
Basic		45,924,767			45,891,043						45,881,549						45,907,998			45,861,963
Diluted		45,924,767			45,891,043						45,881,549						45,907,998			45,861,963

SHARES OUTSTANDING AT PERIOD-END		46,130,967			45,940,967						45,900,549						46,130,967			45,900,549

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HANMI FINANCIAL CORPORATION AND SUBSIDIARIES
SELECTED FINANCIAL DATA (UNAUDITED)
(Dollars in Thousands)


	Three Months Ended															Six Months Ended
	June 30,			March 31,			%			June 30,			%			June 30,			June 30,			%
	2009			2009			Change			2008			Change			2009			2008			Change
				(Restated)
AVERAGE BALANCES:
Average Gross Loans, Net of Deferred Loan Fees	$	3,282,152		$	3,349,085			(2.0	)%	$	3,317,061			(1.1	)%	$	3,315,434		$	3,310,101			0.2	%
Average Investment Securities		179,129			182,284			(1.7	)%		296,790			(39.6	)%		180,698			319,457			(43.4	)%
Average Interest-Earning Assets		3,786,788			3,806,186			(0.5	)%		3,657,676			3.5	%		3,796,434			3,673,663			3.3	%
Average Total Assets		3,900,158			3,946,727			(1.2	)%		3,920,796			(0.5	)%		3,924,155			3,944,199			(0.5	)%
Average Deposits		3,223,309			3,202,032			0.7	%		2,882,506			11.8	%		3,212,728			2,938,910			9.3	%
Average Borrowings		386,477			440,053			(12.2	)%		621,239			(37.8	)%		413,117			587,189			(29.6	)%
Average Interest-Bearing Liabilities		3,083,774			3,115,332			(1.0	)%		2,851,021			8.2	%		3,099,465			2,874,115			7.8	%
Average Stockholders’ Equity		243,207			263,553			(7.7	)%		377,096			(35.5	)%		254,166			378,030			(32.8	)%
Average Tangible Equity		238,850			258,775			(7.7	)%		264,710			(9.8	)%		249,600			264,943			(5.8	)%

PERFORMANCE RATIOS: (Annualized)
Return on Average Assets		(0.98	)%		(1.77	)%					(10.83	)%					(1.37	)%		(5.23	)%
Return on Average Stockholders’ Equity		(15.73	)%		(26.46	)%					(112.57	)%					(21.21	)%		(54.59	)%
Return on Average Tangible Equity		(16.01	)%		(26.95	)%					(160.37	)%					(21.60	)%		(77.90	)%
Efficiency Ratio		82.85	%		57.92	%					296.07	%					70.04	%		172.25	%
Net Interest Spread ⁽¹⁾		1.90	%		1.91	%					2.99	%					1.90	%		2.92	%
Net Interest Margin ⁽¹⁾		2.49	%		2.50	%					3.79	%					2.49	%		3.78	%

ALLOWANCE FOR LOAN LOSSES:
Balance at Beginning of Period	$	104,943		$	70,986			47.8	%	$	52,986			98.1	%	$	70,986		$	43,611			62.8	%
Provision Charged to Operating Expense		23,922			45,770			(47.7	)%		18,211			31.4	%		69,692			34,883			99.8	%
Charge-Offs, Net of Recoveries		(23,597	)		(11,813	)		99.8	%		(8,220	)		187.1	%		(35,410	)		(15,517	)		128.2	%

Balance at End of Period	$	105,268		$	104,943			0.3	%	$	62,977			67.2	%	$	105,268		$	62,977			67.2	%


Allowance for Loan Losses to Total Gross Loans		3.33	%		3.16	%					1.88	%					3.33	%		1.88	%
Allowance for Loan Losses to Total Non-Performing Loans		62.92	%		67.13	%					56.14	%					67.10	%		56.14	%

ALLOWANCE FOR OFF-BALANCE SHEET ITEMS:
Balance at Beginning of Period	$	4,279		$	4,096			4.5	%	$	2,914			46.8	%	$	4,096		$	1,765			132.1	%
Provision Charged to Operating Expense		12			183			(93.4	)%		1,018			(109.2	)%		195			2,167			(91.0	)%

Balance at End of Period	$	4,291		$	4,279			0.3	%	$	3,932			9.1	%	$	4,291		$	3,932			9.1	%


⁽¹⁾		Amounts calculated on a fully taxable equivalent basis using the current statutory federal tax rate.

- 8 -

HANMI FINANCIAL CORPORATION AND SUBSIDIARIES
SELECTED FINANCIAL DATA (UNAUDITED) (Continued)
(Dollars in Thousands)


	June 30,			December 31,			%			June 30,			%
	2009			2008			Change			2008			Change
NON-PERFORMING ASSETS:
Non-Accrual Loans	$	167,255		$	120,823			38.4	%	$	112,024			49.3	%
Loans 90 Days or More Past Due and Still Accruing		41			1,075			(96.2	)%		158			(74.1	)%

Total Non-Performing Loans		167,296			121,898			37.2	%		112,182			49.1	%
Other Real Estate Owned, Net		34,018			823			4,033.4	%		—			—

Total Non-Performing Assets	$	201,314		$	122,721			64.0	%	$	112,182			79.5	%


Total Non-Performing Loans/Total Gross Loans		5.30	%		3.62	%					3.34	%
Total Non-Performing Assets/Total Assets		5.20	%		3.17	%					2.92	%
Total Non-Performing Assets/Allowance for Loan Losses		191.2	%		116.9	%					178.1	%

DELINQUENT LOANS	$	178,663		$	128,469			39.1	%	$	138,373			29.1	%


Delinquent Loans/Total Gross Loans		5.66	%		3.82	%					4.12	%

LOAN PORTFOLIO:
Real Estate Loans	$	1,137,395		$	1,180,114			(3.6	)%	$	1,158,480			(1.8	)%
Commercial and Industrial Loans		1,945,816			2,099,732			(7.3	)%		2,108,506			(7.7	)%
Consumer Loans		76,098			83,525			(8.9	)%		88,062			(13.6	)%

Total Gross Loans		3,159,309			3,363,371			(6.1	)%		3,355,048			(5.8	)%
Deferred Loan Fees		(1,362	)		(1,260	)		8.1	%		(2,169	)		(37.2	)%

Gross Loans, Net of Deferred Loan Fees		3,157,947			3,362,111			(6.1	)%		3,352,879			(5.8	)%
Allowance for Loan Losses		(105,268	)		(70,986	)		48.3	%		(62,977	)		67.2	%

Loans Receivable, Net	$	3,052,679		$	3,291,125			(7.2	)%	$	3,289,902			(7.2	)%


LOAN MIX:
Real Estate Loans		36.0	%		35.1	%					34.5	%
Commercial and Industrial Loans		61.6	%		62.4	%					62.8	%
Consumer Loans		2.4	%		2.5	%					2.7	%

Total Gross Loans		100.0	%		100.0	%					100.0	%


DEPOSIT PORTFOLIO:
Demand — Noninterest-Bearing	$	547,737		$	536,944			2.0	%	$	683,846			(19.9	)%
Savings		88,477			81,869			8.1	%		93,747			(5.6	)%
Money Market Checking and NOW Accounts		424,760			370,401			14.7	%		728,601			(41.7	)%
Time Deposits of $100,000 or More		1,284,491			849,800			51.2	%		1,050,942			22.2	%
Other Time Deposits		942,458			1,231,066			(23.4	)%		404,424			133.0	%

Total Deposits	$	3,287,923		$	3,070,080			7.1	%	$	2,961,560			11.0	%


DEPOSIT MIX:
Demand — Noninterest-Bearing		16.7	%		17.5	%					23.1	%
Savings		2.7	%		2.7	%					3.2	%
Money Market Checking and NOW Accounts		12.9	%		12.1	%					24.6	%
Time Deposits of $100,000 or More		39.1	%		27.7	%					35.5	%
Other Time Deposits		28.6	%		40.0	%					13.6	%

Total Deposits		100.0	%		100.0	%					100.0	%


CAPITAL RATIOS (Bank Only):
Total Risk-Based		10.70	%		10.71	%					10.64	%
Tier 1 Risk-Based		9.42	%		9.44	%					9.39	%
Tier 1 Leverage		8.01	%		8.85	%					8.60	%

- 9 -

HANMI FINANCIAL CORPORATION AND SUBSIDIARIES
AVERAGE BALANCES, AVERAGE YIELDS EARNED AND AVERAGE RATES PAID (UNAUDITED)
(Dollars in Thousands)


	Three Months Ended																									Six Months Ended
	June 30, 2009								March 31, 2009									June 30, 2008								June 30, 2009								June 30, 2008
				Interest		Average						Interest			Average						Interest		Average						Interest		Average						Interest		Average
	Average			Income/		Yield/			Average			Income/			Yield/			Average			Income/		Yield/			Average			Income/		Yield/			Average			Income/		Yield/
	Balance			Expense		Rate			Balance			Expense			Rate			Balance			Expense		Rate			Balance			Expense		Rate			Balance			Expense		Rate
INTEREST-EARNING ASSETS

Loans:
Real Estate Loans:
Commercial Property	$	914,802		$	13,041		5.72	%	$	914,632		$	12,937			5.74	%	$	804,745		$	13,810		6.90	%	$	914,717		$	25,978		5.73	%	$	797,548		$	28,290		7.13	%
Construction		178,456			1,594		3.58	%		180,026			1,547			3.49	%		208,074			2,649		5.12	%		179,237			3,141		3.53	%		212,842			5,542		5.24	%
Residential Property		86,913			1,119		5.16	%		90,490			1,163			5.21	%		89,949			1,205		5.39	%		88,692			2,282		5.19	%		89,730			2,375		5.32	%

Total Real Estate Loans		1,180,171			15,754		5.35	%		1,185,148			15,647			5.35	%		1,102,768			17,664		6.44	%		1,182,646			31,401		5.35	%		1,100,120			36,207		6.62	%
Commercial and Industrial Loans		2,025,414			27,774		5.50	%		2,083,951			28,237			5.50	%		2,127,882			36,236		6.85	%		2,054,521			56,011		5.50	%		2,122,691			76,288		7.23	%
Consumer Loans		77,989			1,108		5.70	%		81,244			1,153			5.76	%		88,491			1,596		7.25	%		79,608			2,261		5.73	%		89,385			3,294		7.41	%

Total Gross Loans		3,283,574			44,636		5.45	%		3,350,343			45,037			5.45	%		3,319,141			55,496		6.72	%		3,316,775			89,673		5.45	%		3,312,196			115,789		7.03	%
Prepayment Penalty Income		—			82		—			—			48			—			—			409		—			—			130		—			—			714		—
Unearned Income on Loans, Net of Costs		(1,422	)		—		—			(1,258	)		—			—			(2,080	)		—		—			(1,341	)		—		—			(2,095	)		—		—

Gross Loans, Net		3,282,152			44,718		5.46	%		3,349,085			45,085			5.46	%		3,317,061			55,905		6.78	%		3,315,434			89,803		5.46	%		3,310,101			116,503		7.08	%


Investment Securities:
Municipal Bonds ⁽¹⁾		59,222			956		6.46	%		58,886			989			6.72	%		63,177			1,018		6.45	%		59,055			1,945		6.59	%		67,528			2,186		6.47	%
U.S. Government Agency Securities		13,177			144		4.37	%		9,578			96			4.01	%		84,088			884		4.21	%		11,387			240		4.22	%		96,974			2,129		4.39	%
Mortgage-Backed Securities		74,939			880		4.70	%		75,716			895			4.73	%		91,488			1,076		4.70	%		75,326			1,775		4.71	%		94,288			2,252		4.78	%
Collateralized Mortgage Obligations		20,713			215		4.15	%		33,631			348			4.14	%		46,411			487		4.20	%		27,136			563		4.15	%		48,172			1,021		4.24	%
Corporate Bonds		233			22		37.77	%		159			(22	)		-55.35	%		7,779			89		4.58	%		196			—		—			8,644			198		4.58	%
Other Securities		10,845			109		4.02	%		4,314			33			3.06	%		3,847			42		4.37	%		7,598			142		3.74	%		3,851			94		4.88	%

Total Investment Securities ⁽¹⁾		179,129			2,326		5.19	%		182,284			2,339			5.13	%		296,790			3,596		4.85	%		180,698			4,665		5.16	%		319,457			7,880		4.93	%


Other Interest-Earning Assets:
Equity Securities		41,532			153		1.47	%		41,727			153			1.47	%		38,031			486		5.11	%		41,629			306		1.47	%		35,760			900		5.03	%
Federal Funds Sold and Securities Purchased Under Resale Agreements		135,362			112		0.33	%		94,585			82			0.35	%		5,621			31		2.21	%		115,086			194		0.34	%		8,258			114		2.76	%
Term Federal Funds Sold		147,692			695		1.88	%		138,344			700			2.02	%		—			—		—			143,044			1,395		1.95	%		—			—		—
Interest-Earning Deposits		921			11		4.78	%		161			2			4.97	%		173			1		2.31	%		543			13		4.79	%		87			1		2.30	%

Total Other Interest-Earning Assets		325,507			971		1.19	%		274,817			937			1.36	%		43,825			518		4.75	%		300,302			1,908		1.27	%		44,105			1,015		4.60	%


TOTAL INTEREST-EARNING ASSETS ⁽¹⁾	$	3,786,788		$	48,015		5.09	%	$	3,806,186		$	48,361			5.15	%	$	3,657,676		$	60,019		6.60	%	$	3,796,434		$	96,376		5.12	%	$	3,673,663		$	125,398		6.86	%


INTEREST-BEARING LIABILITIES

Interest-Bearing Deposits:
Savings	$	84,588		$	527		2.50	%	$	82,029		$	505			2.50	%	$	91,803		$	527		2.31	%	$	83,315		$	1,032		2.50	%	$	92,135		$	1,054		2.30	%
Money Market Checking and NOW Accounts		319,319			1,426		1.79	%		343,354			1,854			2.19	%		718,257			5,707		3.20	%		331,270			3,280		2.00	%		637,875			10,367		3.27	%
Time Deposits of $100,000 or More		1,313,683			12,108		3.70	%		1,078,650			10,322			3.88	%		1,098,990			11,040		4.04	%		1,196,816			22,430		3.78	%		1,226,728			26,727		4.38	%
Other Time Deposits		979,707			8,625		3.53	%		1,171,246			10,104			3.50	%		320,732			3,213		4.03	%		1,074,947			18,729		3.51	%		330,188			7,186		4.38	%

Total Interest-Bearing Deposits		2,697,297			22,686		3.37	%		2,675,279			22,785			3.45	%		2,229,782			20,487		3.70	%		2,686,348			45,471		3.41	%		2,286,926			45,334		3.99	%


Borrowings:
FHLB Advances		302,220			1,010		1.34	%		356,190			1,112			1.27	%		536,412			3,929		2.95	%		329,056			2,122		1.30	%		485,157			8,082		3.35	%
Other Borrowings		1,851			2		0.43	%		1,457			—			—			2,421			15		2.49	%		1,655			2		0.24	%		19,626			339		3.47	%
Junior Subordinated Debentures		82,406			846		4.12	%		82,406			988			4.86	%		82,406			1,164		5.68	%		82,406			1,834		4.49	%		82,406			2,613		6.38	%

Total Borrowings		386,477			1,858		1.93	%		440,053			2,100			1.94	%		621,239			5,108		3.31	%		413,117			3,958		1.93	%		587,189			11,034		3.78	%


TOTAL INTEREST-BEARING LIABILITIES	$	3,083,774		$	24,544		3.19	%	$	3,115,332		$	24,885			3.24	%	$	2,851,021		$	25,595		3.61	%	$	3,099,465		$	49,429		3.22	%	$	2,874,115		$	56,368		3.94	%


NET INTEREST INCOME ⁽¹⁾				$	23,471							$	23,476								$	34,424							$	46,947							$	69,030


NET INTEREST SPREAD ⁽¹⁾							1.90	%								1.91	%							2.99	%							1.90	%							2.92	%


NET INTEREST MARGIN ⁽¹⁾							2.49	%								2.50	%							3.79	%							2.49	%							3.78	%


⁽¹⁾		Amounts calculated on a fully taxable equivalent basis using the current statutory federal tax rate.

- 10 -


BRIAN E. CHO		STEPHANIE YOON
Chief Financial Officer		Investor Relations
(213) 368-3200		(213) 427-5631