Exhibit 99.1

HANMI FINANCIAL CORPORATION REPORTS RECORD
NET INCOME OF $65.6 MILLION FOR 2006

FOURTH QUARTER EARNINGS INCREASE 16.3 PERCENT TO $17.3 MILLION

     LOS ANGELES – January 30, 2007 – Hanmi Financial Corporation (NASDAQ:HAFC), the holding company for Hanmi Bank, today reported net income for the three months ended December 31, 2006 of $17.3 million, an increase of 16.3 percent over net income of $14.9 million for the comparable period a year ago. Earnings per share were $0.35 (diluted), an increase of 16.7 percent compared to $0.30 (diluted) for the same period in 2005.

     For the year ended December 31, 2006, net income was $65.6 million, an increase of 12.7 percent over net income of $58.2 million for 2005. Earnings per share were $1.33 (diluted), an increase of 13.7 percent compared to $1.17 (diluted) in 2005.

     “Supported in part by good expense control and a growing loan portfolio, we are pleased to have completed another year of record income and record earnings per share,” said Sung Won Sohn, Ph.D., President and Chief Executive Officer. “These results were achieved despite a marketplace in which throughout the year we experienced intense competition on pricing of both loans and deposits — an environment that is still with us in the first quarter of 2007.”

     “Modest fourth-quarter declines in both net interest income before provision for credit losses, to $38.8 million from $39.7 million in the third quarter, and in net interest margin, to 4.59 percent from 4.79 percent in the third quarter, point to the fact that the marketplace remains extremely competitive, notably in terms of cost of funds. For example, our cost of interest-bearing deposits in the fourth quarter was 4.85 percent, 12 basis points higher than in the preceding quarter and fully 119 basis points higher than in the fourth quarter of 2005. By comparison, the yield on the loan portfolio was 8.77 percent in the fourth quarter, 64 basis points higher than in the comparable period a year ago.”

     “Although we see some mitigation in the upward pressure on rates, we currently anticipate no substantial softening in the competition for loans and deposits, nor in the pressure it will continue to put on the operating results of Hanmi and its competitors,” added Dr. Sohn. “Yet our business remains strong, and, as in the past, our focus will be on growing net interest income. To that end, our credit quality remains excellent, our efficiency ratio continues to improve, and our liquidity is such that we believe we can maintain the desired level of asset sensitivity while achieving further growth in the loan portfolio.”

FULL-YEAR HIGHLIGHTS

•

Net interest income before provision for credit losses for 2006 increased 10.8 percent to $153.8 million from $138.8 million for 2005.

•

Net interest margin for 2006 decreased to 4.78 percent from 4.83 percent for 2005.

•

Return on average assets for 2006 was 1.82 percent, compared to 1.79 percent for 2005.

•

Return on average shareholders’ equity for 2006 was 14.33 percent, compared to 13.94 percent for 2005.

•

The loan portfolio increased by $368.3 million, or 14.9 percent, to $2.84 billion at December 31, 2006 from $2.47 billion at December 31, 2005.

•

Non-performing assets increased by $4.1 million, or 40.3 percent, to $14.2 million at December 31, 2006, compared to $10.1 million at December 31, 2005.

•

Delinquent loans fell to $19.6 million at December 31, 2006 from $21.2 million at December 31, 2005.

•

The provision for credit losses was $7.2 million for 2006, compared to $5.4 million for 2005.

•

The allowance for loan losses was 0.96 percent and 1.00 percent of the gross loan portfolio at December 31, 2006 and December 31, 2005, respectively.

•

Non-interest income was $35.6 million for 2006, compared to $30.4 million for 2005.

•

The efficiency ratio for 2006 improved to 40.11 percent compared to 41.16 percent for 2005.

FOURTH-QUARTER HIGHLIGHTS

•

Net interest income before provision for credit losses for the fourth quarter of 2006 was $38.8 million, compared to $39.7 million for the third quarter of 2006 and $36.4 million for the fourth quarter of 2005.

•

Net interest margin for the fourth quarter of 2006 was 4.59 percent, compared to 4.79 percent for the third quarter of 2006 and 4.75 percent for the fourth quarter of 2005.

•

Return on average assets for the fourth quarter of 2006 was 1.84 percent, compared to 1.90 percent for the third quarter of 2006 and 1.72 percent for the fourth quarter of 2005.

•

Return on average shareholders’ equity for the fourth quarter of 2006 was 14.23 percent, compared to 15.08 percent for the third quarter of 2006 and 13.94 percent for the fourth quarter of 2005.

•

The loan portfolio increased by $15.5 million, or 0.5 percent, to $2.84 billion at December 31, 2006 from $2.82 billion at September 30, 2006.

•

Non-performing assets increased by $739,000, or 5.5 percent, to $14.2 million at December 31, 2006, compared to $13.5 million at September 30, 2006.

•

Delinquent loans fell to $19.6 million at December 31, 2006 from $24.1 million at September 30, 2006.

•

The provision for credit losses was $1.6 million for the fourth quarter of 2006, compared to $1.7 million for the third quarter of 2006 and $1.7 million for the fourth quarter of 2005.

•

The allowance for loan losses was 0.96 percent and 0.99 percent of the gross loan portfolio at December 31, 2006 and September 30, 2006, respectively.

•

Non-interest income was $10.8 million for the fourth quarter of 2006, compared to $8.8 million for the third quarter of 2006 and $7.8 million for the fourth quarter of 2005.

•

The efficiency ratio for the fourth quarter of 2006 was 39.59 percent compared to 40.14 percent for the third quarter of 2006 and 41.93 percent for the fourth quarter of 2005.

NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES

     Net interest income before provision for credit losses was $38.8 million for the fourth quarter of 2006, a decrease of $952,000, or 2.4 percent, compared to $39.7 million for the third quarter of 2006, and an increase of $2.4 million, or 6.5 percent, compared to $36.4 million for the fourth quarter of 2005.

     The yield on the loan portfolio was 8.77 percent for the fourth quarter of 2006, a decrease of 12 basis points compared to 8.89 percent for the third quarter of 2006, and an increase of 64 basis points compared to 8.13 percent for the fourth quarter of 2005. The yield on investment securities was 4.46 percent for the fourth quarter of 2006, a decrease of 2 basis points compared to 4.48 percent for the third quarter of 2006, and an increase of 24 basis points compared to 4.22 percent for the fourth quarter of 2005. The yield on average interest-earning assets was 8.18 percent for the fourth quarter of 2006, a decrease of 11 basis points compared to 8.29 percent for the third quarter of 2006, and an increase of 75 basis points compared to 7.43 percent for the fourth quarter of 2005. The cost of interest-bearing liabilities was 4.85 percent for the fourth quarter of 2006, an increase of 12 basis points compared to 4.73 percent for the third quarter of 2006, and an increase of 119 basis points compared to 3.66 percent for the fourth quarter of 2005, as the Company continued to operate in a highly competitive deposit taking environment.

     The year-over-year increase of $12.2 million in interest income was primarily due to: 1) an increase in the yield on average interest-earning assets, which increased from 7.43 percent to 8.18 percent, an increase of 75 basis points that provided an additional $4.8 million of interest income compared to the fourth quarter of 2005; and 2) an increase in average interest-earning assets, which increased from $3.04 billion to $3.35 billion, an increase of $311.1 million that provided an additional $7.4 million of interest income compared to the fourth quarter of 2005. The majority of this growth was funded by a $135.1 million, or 4.8 percent, increase in average deposits. Average borrowings also increased by $107.5 million, or 72.5 percent, compared to the fourth quarter of 2005. During 2006, the Company borrowed $130.0 million from the Federal Home Loan Bank for terms of 12 to 24 months to allow it to fund fixed-rate loans, but maintain the desired level of asset sensitivity.

PROVISION FOR CREDIT LOSSES

     The provision for credit losses represents the charge against current earnings that is determined by management, through a disciplined credit review process, to be the amount needed to maintain an allowance that is sufficient to absorb estimated probable loan losses inherent in the loan portfolio. The provision for credit losses was $1.6 million for the fourth quarter of 2006, compared to $1.7 million for the third quarter of 2006 and $1.7 million for the fourth quarter of 2005. The slight decrease in the provision for credit losses is attributable to the low historical loss experience associated with the migration analysis that Hanmi Bank employs in its credit review process.

     As of December 31, 2006, non-performing loans as a percentage of the total loan portfolio were 0.50 percent, compared to 0.47 percent at September 30, 2006 and 0.41 percent at December 31, 2005. As of December 31, 2006, the allowance for loan losses was 193.9 percent of non-performing loans, compared to 209.8 at September 30, 2006 and 246.4 percent at December 31, 2005, reflecting better collateral coverage for non-performing loans outstanding at December 31, 2006, compared to the prior periods.

NON-INTEREST INCOME

     Non-interest income increased by $2.0 million, or 22.8 percent, to $10.8 million for the fourth quarter of 2006, compared to $8.8 million for the third quarter of 2006, and increased by $3.0 million, or 38.7 percent, compared to $7.8 million for the fourth quarter of 2005. The increase in non-interest income is primarily attributable to gain on sales of loans of $3.4 million for the fourth quarter of 2006, compared to $1.4 million for the third quarter of 2006 and $945,000 for the fourth quarter of 2005. Gains represented 7.0 percent, 4.3 percent and 4.6 percent of loan principal sold in the quarters ended December 31, 2006, September 30, 2006 and December 31, 2005, respectively. The remaining non-interest income increased by $39,000, or 0.5 percent, to $7.4 million for the fourth quarter of 2006, and increased by $592,000, or 8.7 percent, compared to $6.8 million for the fourth quarter of 2005.

NON-INTEREST EXPENSES

     Non-interest expenses increased by $153,000, or 0.8 percent, to $19.6 million for the fourth quarter of 2006, compared to $19.5 million for the third quarter of 2006, and increased by $1.1 million, or 5.9 percent, compared to $18.5 million for the fourth quarter of 2005. Salaries and employee benefits decreased by $54,000, or 0.5 percent, to $10.3 million for the fourth quarter of 2006, compared to $10.4 million for the third quarter of 2006. The decrease in salaries and employee benefits is primarily due to lower bonus accruals. Advertising and promotion expense increased by $210,000, or 31.6 percent, to $875,000, compared to $665,000 for the third quarter of 2006, due to additional seasonal promotional activities, and other operating expenses decreased by $235,000, or 7.9 percent, to $2.7 million, compared to $3.0 million for the third quarter of 2006.

     The efficiency ratio (non-interest expenses divided by the sum of net interest income before provision for credit losses and non-interest income) for the fourth quarter of 2006 was 39.59 percent, compared to 40.14 percent for the third quarter of 2006 and 41.93 percent for the fourth quarter of 2005.

PROVISION FOR INCOME TAXES

     The provision for income taxes was $40.6 million at a 38.2 percent effective tax rate for the year ended December 31, 2006, compared to $36.5 million at a 38.5 percent effective tax rate for the year ended December 31, 2005.

FINANCIAL POSITION

     Total assets were $3.73 billion at December 31, 2006, an increase of $311.0 million, or 9.1 percent, compared to $3.41 billion at December 31, 2005, and a decrease of $14.6 million from the September 30, 2006 balance of $3.74 billion.

     At December 31, 2006, net loans totaled $2.84 billion, an increase of $368.3 million, or 14.9 percent, from $2.47 billion at December 31, 2005. The increase in net loans was primarily attributable to increased loan production in 2006. Real estate loans increased by $67.2 million, or 6.9 percent, to $1.04 billion at December 31, 2006, compared to $974.2 million at December 31, 2005. Commercial and industrial loans grew by $294.9 million, or 20.6 percent, to $1.73 billion at December 31, 2006, compared to $1.43 billion at December 31, 2005.

     The growth in total assets was funded by an increase in deposits of $118.6 million, up 4.2 percent to $2.94 billion at December 31, 2006, compared to $2.83 billion at December 31, 2005, and an increase in FHLB advances and other borrowings of $122.7 million, up 264.8 percent to $169.0 million at December 31, 2006, compared to $46.3 million at December 31, 2005. The increase in deposits included increases in time deposits of $100,000 or more of $221.4 million, up 19.1 percent to $1.38 billion, and in other time deposits of $17.7 million, up 6.4 percent to $295.5 million, partially offset by decreases in money market checking accounts of $87.9 million, down 16.7 percent to $438.3 million, in savings accounts of $22.3 million, down 18.4 percent to $99.3 million, and in noninterest-bearing demand deposits of $10.3 million, down 1.4 percent to $728.3 million.

     At December 31, 2006, goodwill totaled $207.6 million, a decrease of $1.4 million, or 0.7 percent, from $209.1 million at December 31, 2005 due to a tax refund related to the acquisition of Pacific Union Bank.

ASSET QUALITY

     Total non-performing assets, including loans 90 days or more past due and still accruing, non-accrual loans and other real estate owned (“OREO”) assets, increased by $739,000, or 5.5 percent, to $14.2 million at December 31, 2006 from $13.5 million at September 30, 2006, and increased by $4.1 million, or 40.3 percent, from $10.1 million at December 31, 2005. Non-performing loans as a percentage of gross loans increased to 0.50 percent at December 31, 2006 from 0.47 percent at September 30, 2006 and 0.41 percent at December 31, 2005. As of December 31, 2006, loans to borrowers in the wholesale trade, retail trade, and accommodation and food services industries made up 25.4 percent, 24.7 percent and 16.1 percent, respectively, of non-performing assets.

     At December 31, 2006, non-accrual loans were $14.2 million, up $4.1 million, or 40.4 percent, from $10.1 million at December 31, 2005. There were no OREO assets at December 31, 2006 or December 31, 2005. At December 31, 2006, delinquent loans were $19.6 million, down $4.5 million from $24.1 million at September 30, 2006, and down $1.6 million from $21.2 million at December 31, 2005.

     At December 31, 2006, the allowance for loan losses was $27.6 million, and represented management’s best estimate of the amount needed to maintain an allowance that the Company believes should be sufficient to absorb estimated probable loan losses inherent in its loan portfolio. In addition, the Company maintained a liability for off-balance sheet exposure, primarily unfunded loan commitments, totaling $2.1 million at December 31, 2006 and December 31, 2005. The allowance for loan losses represented 0.96 percent of gross loans at December 31, 2006, compared to 0.99 percent and 1.00 percent at September 30, 2006 and December 31, 2005, respectively. As of December 31, 2006, the allowance for loan losses was 193.9 percent of non-performing loans, compared to 209.8 percent at September 30, 2006 and 246.4 percent at December 31, 2005.

PRIOR PERIOD RECLASSIFICATIONS AND ADJUSTMENTS

     Certain reclassifications were made to the prior periods’ presentation to conform to the current period’s presentation.

     Securities and Exchange Commission (“SEC”) Staff Accounting Bulletin No. 108, “Considering the Effects of Prior Year Misstatements when Quantifying Misstatements in Current Year Financial Statements” (“SAB No. 108”), permits public companies to record the cumulative effect of adjustments previously considered immaterial under the registrant’s prior year policy in assets, liabilities and/or shareholders’ equity as of January 1, 2006. Consistent with SAB No. 108, shareholders’ equity as of January 1, 2006 has been adjusted in the amount of $776,000 (net of tax effect of $563,000) to reflect the Company’s share of losses from certain tax credit partnership investments not recognized previously.

ABOUT HANMI FINANCIAL CORPORATION

     Headquartered in Los Angeles, Hanmi Bank, a wholly owned subsidiary of Hanmi Financial Corporation, provides services to the multi-ethnic communities of California, with 22 full-service offices in Los Angeles, Orange, San Francisco, Santa Clara and San Diego counties, and eight loan production offices in California, Colorado, Georgia, Illinois, Texas, Virginia and Washington. Hanmi Bank specializes in commercial, SBA and trade finance lending, and is a recognized community leader. Hanmi Bank’s mission is to provide a full range of quality products and premier services to its customers and to maximize shareholder value. Additional information is available at www.hanmifinancial.com.

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: general economic and business conditions in those areas in which we operate; demographic changes; competition for loans and deposits; fluctuations in interest rates; risks of natural disasters related to our real estate portfolio; risks associated with SBA loans; changes in governmental regulation; changes in credit quality; the availability of capital to fund the expansion of our business; 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, 2005, which could cause actual results to differ from those projected in our forward-looking statements.

CONTACT

     HANMI FINANCIAL CORPORATION

MICHAEL J. WINIARSKI		STEPHANIE YOON
Chief Financial Officer		Investor Relations
(213) 368-3200		(213) 427-5631

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

		December 31,				September 30,				%				December 31,				%
		2006				2006				Change				2005				Change
ASSETS
Cash and Cash Equivalents		$	138,501			$	164,609				(15.9	)%		$	163,477				(15.3	)%
Term Federal Funds Sold			5,000				—				—				—				—
Investment Securities			391,579				398,956				(1.8	)%			443,912				(11.8	)%
Loans:
Loans, Net of Deferred Loan Fees			2,864,947				2,850,146				0.5	%			2,494,043				14.9	%
Allowance for Loan Losses			(27,557	)			(28,276	)			(2.5	)%			(24,963	)			10.4	%
Net Loans			2,837,390				2,821,870				0.5	%			2,469,080				14.9	%
Customers’ Liability on Acceptances			8,403				11,245				(25.3	)%			8,432				(0.3	)%
Premises and Equipment, Net			20,075				20,322				(1.2	)%			20,784				(3.4	)%
Accrued Interest Receivable			16,919				16,190				4.5	%			14,120				19.8	%
Deferred Income Taxes			13,064				11,615				12.5	%			9,651				35.4	%
Servicing Asset			4,579				4,266				7.3	%			3,910				17.1	%
Goodwill			207,646				207,646				—				209,058				(0.7	)%
Core Deposit Intangible			6,312				6,876				(8.2	)%			8,691				(27.4	)%
Federal Reserve Bank and Federal Home Loan Bank Stock			24,922				24,768				0.6	%			24,587				1.4	%
Bank-Owned Life Insurance			23,592				23,368				1.0	%			22,713				3.9	%
Other Assets			27,261				28,080				(2.9	)%			15,837				72.1	%
Total Assets		$	3,725,243			$	3,739,811				(0.4	)%		$	3,414,252				9.1	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-Bearing		$	728,348			$	756,901				(3.8	)%		$	738,618				(1.4	)%
Interest-Bearing			2,216,367				2,216,880				—				2,087,496				6.2	%
Total Deposits			2,944,715				2,973,781				(1.0	)%			2,826,114				4.2	%
Accrued Interest Payable			22,582				19,191				17.7	%			11,911				89.6	%
Acceptances Outstanding			8,403				11,245				(25.3	)%			8,432				(0.3	)%
FHLB Advances and Other Borrowings			169,037				169,435				(0.2	)%			46,331				264.8	%
Junior Subordinated Debentures			82,406				82,406				—				82,406				—
Other Liabilities			10,983				12,392				(11.4	)%			12,281				(10.6	)%
Total Liabilities			3,238,126				3,268,450				(0.9	)%			2,987,475				8.4	%
Shareholders’ Equity			487,117				471,361				3.3	%			426,777				14.1	%
Total Liabilities and Shareholders’ Equity		$	3,725,243			$	3,739,811				(0.4	)%		$	3,414,252				9.1	%

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

		For the Three Months Ended																				For the Year Ended
		Dec. 31,				Sept. 30,				%				Dec. 31,				%				Dec. 31,				Dec. 31,				%
		2006				2006				Change				2005				Change				2006				2005				Change
INTEREST INCOME:
Interest and Fees on Loans		$	63,666			$	63,392				0.4	%		$	51,117				24.5	%		$	239,075			$	180,845				32.2	%
Interest on Investments			4,762				4,836				(1.5	)%			4,848				(1.8	)%			19,710				18,507				6.5	%
Interest on Federal Funds Sold			654				436				50.0	%			910				(28.1	)%			1,402				1,589				(11.8	)%
Interest on Term Federal Funds Sold			2				—				—				—				—				2				—				—
Total Interest Income			69,084				68,664				0.6	%			56,875				21.5	%			260,189				200,941				29.5	%
INTEREST EXPENSE:
Interest on Deposits			26,346				25,178				4.6	%			18,381				43.3	%			93,036				54,192				71.7	%
Interest on FHLB Advances and Other Borrowings			2,278				2,084				9.3	%			687				231.6	%			6,977				3,017				131.3	%
Interest on Junior Subordinated Debentures			1,682				1,672				0.6	%			1,403				19.9	%			6,416				4,902				30.9	%
Total Interest Expense			30,306				28,934				4.7	%			20,471				48.0	%			106,429				62,111				71.4	%
NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES			38,778				39,730				(2.4	)%			36,404				6.5	%			153,760				138,830				10.8	%
Provision for Credit Losses			1,631				1,682				(3.0	)%			1,652				(1.3	)%			7,173				5,395				33.0	%
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES			37,147				38,048				(2.4	)%			34,752				6.9	%			146,587				133,435				9.9	%
NON-INTEREST INCOME:
Service Charges on Deposit Accounts			4,471				4,249				5.2	%			4,125				8.4	%			17,134				15,782				8.6	%
Trade Finance Fees			1,153				1,227				(6.0	)%			1,126				2.4	%			4,567				4,269				7.0	%
Remittance Fees			519				517				0.4	%			577				(10.1	)%			2,056				2,122				(3.1	)%
Other Service Charges and Fees			620				591				4.9	%			548				13.1	%			2,359				2,496				(5.5	)%
Bank-Owned Life Insurance Income			225				221				1.8	%			215				4.7	%			879				845				4.0	%
Increase in Fair Value of Derivatives			351				389				(9.8	)%			140				150.7	%			1,074				1,105				(2.8	)%
Other Income			83				193				(57.0	)%			100				(17.0	)%			616				625				(1.4	)%
Gain on Sales of Loans			3,367				1,400				140.5	%			945				256.3	%			6,917				3,021				129.0	%
Gain (Loss) on Sales of Securities Available for Sale			—				(3	)			(100.0	)%			—				—				2				117				(98.3	)%
Total Non-Interest Income			10,789				8,784				22.8	%			7,776				38.7	%			35,604				30,382				17.2	%
NON-INTEREST EXPENSES:
Salaries and Employee Benefits			10,303				10,357				(0.5	)%			9,972				3.3	%			40,512				36,839				10.0	%
Occupancy and Equipment			2,658				2,596				2.4	%			2,397				10.9	%			10,130				8,978				12.8	%
Data Processing			1,304				1,202				8.5	%			1,181				10.4	%			4,939				4,844				2.0	%
Advertising and Promotion			875				665				31.6	%			930				(5.9	)%			2,997				2,913				2.9	%
Supplies and Communications			543				636				(14.6	)%			689				(21.2	)%			2,391				2,556				(6.5	)%
Professional Fees			360				390				(7.7	)%			769				(53.2	)%			1,910				2,201				(13.2	)%
Amortization of Core Deposit Intangible			564				585				(3.6	)%			645				(12.6	)%			2,379				2,785				(14.6	)%
Decrease in Fair Value of Embedded Option			290				78				271.8	%			—				—				582				748				(22.2	)%
Other Operating Expenses			2,729				2,964				(7.9	)%			1,942				40.5	%			10,114				7,778				30.0	%
Merger-Related Expenses			—				—				—				—				—				—				(509	)			(100.0	)%
Total Non-Interest Expenses			19,626				19,473				0.8	%			18,525				5.9	%			75,954				69,133				9.9	%
INCOME BEFORE PROVISION FOR INCOME TAXES			28,310				27,359				3.5	%			24,003				17.9	%			106,237				94,684				12.2	%
Provision for Income Taxes			11,000				9,762				12.7	%			9,113				20.7	%			40,588				36,455				11.3	%
NET INCOME		$	17,310			$	17,597				(1.6	)%		$	14,890				16.3	%		$	65,649			$	58,229				12.7	%
EARNINGS PER SHARE:
Basic		$	0.35			$	0.36				(2.8	)%		$	0.31				12.9	%		$	1.34			$	1.18				13.6	%
Diluted		$	0.35			$	0.36				(2.8	)%		$	0.30				16.7	%		$	1.33			$	1.17				13.7	%
WEIGHTED-AVERAGE SHARES OUTSTANDING:
Basic			48,969,795				48,890,662								48,548,081								48,850,221				49,174,885
Diluted			49,567,778				49,450,601								49,318,671								49,435,128				49,942,356
SHARES OUTSTANDING AT PERIOD-END			49,076,613				48,991,146								48,658,798								49,076,613				48,658,798

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

		For the Three Months Ended																				For the Year Ended
		Dec. 31,				Sept. 30,				%				Dec. 31,				%				Dec. 31,				Dec. 31,				%
		2006				2006				Change				2005				Change				2006				2005				Change
AVERAGE BALANCES:
Average Gross Loans, Net of Deferred Loan Fees		$	2,881,515			$	2,828,972				1.9	%		$	2,495,309				15.5	%		$	2,747,922			$	2,382,230				15.4	%
Average Investment Securities			395,313				401,039				(1.4	)%			428,488				(7.7	)%			414,672				418,750				(1.0	)%
Average Interest-Earning Assets			3,349,911				3,287,581				1.9	%			3,038,836				10.2	%			3,214,761				2,871,564				12.0	%
Average Total Assets			3,735,578				3,675,091				1.6	%			3,429,114				8.9	%			3,602,181				3,249,190				10.9	%
Average Deposits			2,953,226				2,927,956				0.9	%			2,818,099				4.8	%			2,881,448				2,632,254				9.5	%
Average Borrowings			255,700				241,404				5.9	%			148,233				72.5	%			221,347				165,482				33.8	%
Average Interest-Bearing Liabilities			2,480,902				2,427,883				2.2	%			2,218,902				11.8	%			2,367,389				2,046,227				15.7	%
Average Shareholders’ Equity			482,486				463,011				4.2	%			423,702				13.9	%			458,227				417,813				9.7	%
Average Tangible Equity			268,201				248,147				8.1	%			205,576				30.5	%			242,362				198,527				22.1	%
PERFORMANCE RATIOS:
Return on Average Assets			1.84	%			1.90	%							1.72	%							1.82	%			1.79	%
Return on Average Shareholders’ Equity			14.23	%			15.08	%							13.94	%							14.33	%			13.94	%
Return on Average Tangible Equity			25.61	%			28.13	%							28.74	%							27.09	%			29.33	%
Efficiency Ratio *			39.59	%			40.14	%							41.93	%							40.11	%			41.16	%
Net Interest Margin			4.59	%			4.79	%							4.75	%							4.78	%			4.83	%
ALLOWANCE FOR LOAN LOSSES:
Balance at the Beginning of Period		$	28,276			$	27,250				3.8	%		$	24,523				15.3	%		$	24,963			$	22,702				10.0	%
Provision Charged to Operating Expense			1,631				1,682				(3.0	)%			1,546				5.5	%			7,173				5,065				41.6	%
Charge-Offs, Net of Recoveries			(2,350	)			(656	)			258.2	%			(1,106	)			112.5	%			(4,579	)			(2,804	)			63.3	%
Balance at the End of Period		$	27,557			$	28,276				(2.5	)%		$	24,963				10.4	%		$	27,557			$	24,963				10.4	%
Allowance for Loan Losses to Total Gross Loans			0.96	%			0.99	%							1.00	%							0.96	%			1.00	%
Allowance for Loan Losses to Total Non-Performing Loans			193.9	%			209.8	%							246.4	%							193.9	%			246.4	%
ALLOWANCE FOR OFF-BALANCE SHEET ITEMS:
Balance at the Beginning of Period		$	2,130			$	2,130				—			$	2,024				5.2	%		$	2,130			$	1,800				18.3	%
Provision Charged to Operating Expense			—				—				—				106				(100.0	)%			—				330				(100.0	)%
Balance at the End of Period		$	2,130			$	2,130				—			$	2,130				—			$	2,130			$	2,130				—

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

		Dec. 31,				Sept. 30,				%				Dec. 31,				%
		2006				2006				Change				2005				Change
NON-PERFORMING ASSETS:
Non-Accrual Loans		$	14,213			$	13,470				5.5	%		$	10,122				40.4	%
Loans 90 Days or More Past Due and Still Accruing			2				6				(66.7	)%			9				(77.8	)%
Total Non-Performing Loans			14,215				13,476				5.5	%			10,131				40.3	%
Other Real Estate Owned			—				—				—				—				—
Total Non-Performing Assets		$	14,215			$	13,476				5.5	%		$	10,131				40.3	%
Total Non-Performing Loans/Total Gross Loans			0.50	%			0.47	%							0.41	%
Total Non-Performing Assets/Total Assets			0.38	%			0.36	%							0.30	%
Total Non-Performing Assets/Allowance for Loan Losses			51.6	%			47.7	%							40.6	%
DELINQUENT LOANS		$	19,616			$	24,081				(18.5	)%		$	21,188				(7.4	)%
LOAN PORTFOLIO:
Real Estate Loans		$	1,041,393			$	1,014,058				2.7	%		$	974,172				6.9	%
Commercial and Industrial Loans			1,726,434				1,739,476				(0.7	)%			1,431,492				20.6	%
Consumer Loans			100,121				100,180				(0.1	)%			92,154				8.6	%
Total Gross Loans			2,867,948				2,853,714				0.5	%			2,497,818				14.8	%
Deferred Loan Fees			(3,001	)			(3,568	)			(15.9	)%			(3,775	)			(20.5	)%
Allowance for Loan Losses			(27,557	)			(28,276	)			(2.5	)%			(24,963	)			10.4	%
Loans Receivable, Net		$	2,837,390			$	2,821,870				0.5	%		$	2,469,080				14.9	%
LOAN MIX:
Real Estate Loans			36.3	%			35.5	%							39.0	%
Commercial and Industrial Loans			60.2	%			61.0	%							57.3	%
Consumer Loans			3.5	%			3.5	%							3.7	%
Total Gross Loans			100.0	%			100.0	%							100.0	%
DEPOSIT PORTFOLIO:
Demand — Noninterest-Bearing		$	728,348			$	756,901				(3.8	)%		$	738,618				(1.4	)%
Money Market			438,267				434,738				0.8	%			526,171				(16.7	)%
Savings			99,254				99,719				(0.5	)%			121,574				(18.4	)%
Time Deposits of $100,000 or More			1,383,358				1,393,721				(0.7	)%			1,161,950				19.1	%
Other Time Deposits			295,488				288,702				2.4	%			277,801				6.4	%
Total Deposits		$	2,944,715			$	2,973,781				(1.0	)%		$	2,826,114				4.2	%
DEPOSIT MIX:
Demand — Noninterest-Bearing			24.7	%			25.5	%							26.1	%
Money Market			14.9	%			14.6	%							18.6	%
Savings			3.4	%			3.4	%							4.3	%
Time Deposits of $100,000 or More			47.0	%			46.9	%							41.1	%
Other Time Deposits			10.0	%			9.6	%							9.9	%
Total Deposits			100.0	%			100.0	%							100.0	%