Exhibit 99.1

HANMI FINANCIAL CORPORATION REPORTS

RECORD NET INCOME OF $58.2 MILLION FOR 2005

EARNINGS PER SHARE INCREASE 39.3 PERCENT TO $1.17

     LOS ANGELES — January 26, 2006 — Hanmi Financial Corporation (NASDAQ:HAFC), the holding company for Hanmi Bank, today reported record net income for the year ended December 31, 2005 of $58.2 million, an increase of 58.7 percent compared to 2004 net income of $36.7 million. Earnings per share were $1.17 (diluted), compared to $0.84 (diluted) in 2004.

     For the three months ended December 31, 2005, net income was $14.9 million, an increase of 27.3 percent compared to net income of $11.7 million in the same period of 2004. Earnings per share were $0.30 (diluted), compared to $0.23 (diluted) in the same period of 2004.

     “2005 as a whole marked what was by far the most successful year in Hanmi’s history,” said Sung Won Sohn, Ph.D., President and Chief Executive Officer. “Total assets were a record $3.41 billion, compared to $3.10 billion a year ago, and net income for the year was a record $58.2 million, compared to $36.7 million in 2004. The year is young, but current indications are that 2006 will be another record year for the Company.”

     “The fourth quarter reflects a continuation of pricing pressures, in both loans and deposits, that we cited in our discussion of third-quarter results,” added Dr. Sohn. “Although strong, fourth-quarter 2005 loan originations were largely offset by a larger-than-anticipated volume of payoffs on existing loans as customers sought lower pricing at competing banks. And the increase in our cost of funds exceeded the increase in yield on the loan portfolio, with a commensurate effect on net margin.”

     “But with recent changes in our management structure designed to promote stronger growth in loan originations among our branches, and with the implementation of changes in our compensation plans designed to encourage the accumulation of less costly deposits, we face the first quarter of 2006, and the year as a whole, with considerable optimism.”

FULL-YEAR HIGHLIGHTS

•		Net interest income before provision for credit losses for 2005 increased 34.6 percent to $137.0 million from $101.7 million for 2004.
•		The provision for credit losses was $5.4 million for 2005, compared to $2.9 million for 2004.
•		Non-interest income was $32.2 million for 2005, compared to $27.4 million for 2004.
•		Return on average assets for 2005 was 1.79 percent, compared to 1.37 percent for 2004.
•		Return on average shareholders’ equity for 2005 was 13.94 percent, compared to 12.51 percent for 2004.
•		Return on average tangible shareholders’ equity for 2005 was 29.33 percent, compared to 25.62 percent for 2004.
•		Net interest margin for 2005 increased to 4.77 percent from 4.26 percent for 2004.
•		The efficiency ratio for 2005 improved to 41.16 percent compared to 51.54 percent for 2004.

FOURTH QUARTER HIGHLIGHTS

•		Net interest income before provision for credit losses was $35.9 million in the fourth quarter of 2005, compared to $35.1 million for the third quarter of 2005 and $31.0 million for the same quarter in 2004.
•		The provision for credit losses was $1.7 million in the fourth quarter of 2005, compared to $3.2 million for the third quarter of 2005 and $1.2 million for the same quarter of 2004.
•		Non-interest income was $8.3 million in the fourth quarter of 2005, compared to $9.2 million for the third quarter of 2005 and $8.3 million for the same quarter in 2004.
•		Return on average assets for the fourth quarter of 2005 was 1.72 percent, compared to 1.80 percent for the third quarter of 2005 and 1.50 percent for the same quarter in 2004.
•		Return on average shareholders’ equity for the fourth quarter of 2005 was 13.94 percent, compared to 13.89 percent for the third quarter of 2005 and 11.80 percent for the same quarter in 2004.
•		Return on average tangible shareholders’ equity for the fourth quarter of 2005 was 28.74 percent, compared to 28.45 percent for the third quarter of 2005 and 26.91 percent for the same quarter in 2004.
•		Net interest margin for the fourth quarter of 2005 was 4.68 percent, compared to 4.78 percent for the third quarter of 2005 and 4.52 percent for the same quarter in 2004.
•		Total assets increased to $3.41 billion at December 31, 2005 from $3.37 billion at September 30, 2005 and $3.10 billion at December 31, 2004.
•		The loan portfolio increased by $10.1 million, or 0.4 percent, during the fourth quarter of 2005 to $2.47 billion from $2.46 billion at September 30, 2005. The loan portfolio totaled $2.23 billion at December 31, 2004.
•		Deposits grew by $79.3 million, or 2.9 percent, during the fourth quarter of 2005 to $2.83 billion from $2.75 billion at September 30, 2005. Deposits totaled $2.53 billion at December 31, 2004.
•		Borrowings decreased from $86.9 million at September 30, 2005 to $46.3 million at December 31, 2005.
•		The efficiency ratio for the fourth quarter of 2005 was 41.93 percent compared to 38.34 percent for the third quarter of 2005 and 49.51 percent for the same quarter in 2004.

NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES

     Net interest income before provision for credit losses was $35.9 million for the fourth quarter of 2005, an increase of $747 thousand, or 2.1 percent, compared to $35.1 million in the third quarter of 2005, and an increase of $4.8 million, or 15.6 percent, compared to $31.0 million for the same quarter in 2004.

     The sequential increase in net interest income was primarily due to an increase in average interest-earning assets, which increased by $125.6 million, or 4.3 percent, over the third quarter of 2005 and provided an additional $4.4 million of interest income compared with the third quarter of 2005. The majority of this growth was funded by a $167.5 million, or 6.3 percent, increase in average deposits.

     The yield on the loan portfolio increased 38 basis points sequentially to 8.04 percent for the fourth quarter of 2005, while the yield on investment securities increased 20 basis points to 4.22 percent as a result of decreased premium amortization and the purchase of higher yielding agency bonds. The yield on interest-earning assets increased 28 basis points to 7.36 percent, while the Company’s cost of funds increased 44 basis points to 3.66 percent as a result of a strategic decision to match rates on time certificates of deposit offered to our customers by competitors.

     The year-over-year increase in net interest income was primarily due to an increase in average interest-earning assets, which increased by $308.3 million, or 11.3 percent, over the same quarter in 2004 and provided an additional $14.6 million of interest income compared with the same quarter in 2004. The majority of this growth was funded by a $355.2 million, or 14.4 percent, increase in average deposits.

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 probable loan losses inherent in the Company’s loan portfolio. The provision for credit losses was $1.7 million in the fourth quarter of 2005, compared with $3.2 million in the third quarter of 2005 and $1.2 million in the same quarter of 2004. In the fourth quarter of 2005, net charge-offs were $1.1 million, compared to $595 thousand in the third quarter of 2005 and $605 thousand in the same quarter of 2004. The decrease in provision for credit losses reflects lower loss severity associated with the $2.2 million increase in non-performing loans in the fourth quarter of 2005 compared to the loss severity levels associated with the $1.8 million increase in non-performing loans in the third quarter of 2005.

     As of December 31, 2005, non-performing loans as a percentage of the total loan portfolio was 0.41 percent, compared to 0.32 percent at September 30, 2005 and 0.27 percent at December 31, 2004. As of December 31, 2005, the allowance for loan losses was 246.4 percent of non-performing loans, compared to 310.7 percent at September 30, 2005 and 377.5 percent at December 31, 2004.

NON-INTEREST INCOME

     Non-interest income decreased by $888 thousand, or 9.7 percent, to $8.3 million in the fourth quarter of 2005, compared with $9.2 million in the third quarter of 2005 and increased by $48 thousand, or 0.6 percent, compared to $8.3 million in the fourth quarter of 2004. Gain on sales of loans was $945 thousand in the fourth quarter of 2005, compared to $1.7 million for the third quarter of 2005 and $1.3 million for the same quarter in 2004.

NON-INTEREST EXPENSES

     Non-interest expenses increased by $1.5 million, or 9.0 percent, to $18.5 million in the fourth quarter of 2005, compared with $17.0 million for the third quarter of 2005. Salaries and employee benefits increased 8.9 percent to $10.0 million in the fourth quarter of 2005, compared with $9.2 million for the third quarter of 2005, and professional fees increased 95.7 percent to $769 thousand, compared with $393 thousand for the third quarter of 2005, due to increased regulatory compliance consulting fees.

     Non-interest expenses decreased by $926 thousand, or 4.8 percent, to $18.5 million in the fourth quarter of 2005, compared with $19.5 million for the same quarter in 2004. Salaries and employee benefits decreased 4.7 percent to $10.0 million in the fourth quarter of 2005, compared with $10.5 million (which included non-recurring severance expense) for the same quarter in 2004.

     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 2005 was 41.93 percent, compared to 38.34 percent in the third quarter of 2005 and 49.51 percent for the same quarter in 2004.

INCOME TAXES

     The provision for income taxes was $9.1 million at a 38.0 percent effective tax rate for the fourth quarter of 2005, compared to $9.2 million at a 38.1 percent effective tax rate for the third quarter of 2005 and $7.0 million at a 37.4 percent effective tax rate for the same quarter in 2004.

FINANCIAL POSITION

     Total assets were $3.41 billion at December 31, 2005, an increase of $45.9 million, or 1.4 percent, compared to the September 30, 2005 balance of $3.37 billion, and an increase of $310.1 million, or 10.0 percent, compared to the December 31, 2004 balance of $3.10 billion.

     At December 31, 2005, net loans totaled $2.47 billion, an increase of $10.1 million, or 0.4 percent, from $2.46 billion at September 30, 2005. Real estate loans increased by $7.1 million to $974.2 million at December 31, 2005, compared to $967.0 million at September 30, 2005. Commercial loans grew by $2.8 million to $1.43 billion at December 31, 2005, compared to $1.43 billion at September 30, 2005. Gross loan production increased 32.2 percent over the prior year. However, aggressive pricing on the part of competitors drove increased payoffs, limiting loan portfolio growth to 10.5 percent following the sale of SBA loans with a principal balance of $50.6 million.

     The growth in total assets was funded by increases in customer deposits of $79.3 million, up 2.9 percent to $2.83 billion at December 31, 2005, compared to $2.75 billion at September 30, 2005. These rising balances included increases in time deposits of $100 thousand or more of $72.0 million, up 6.6 percent to $1.16 billion, other time deposits of $19.5 million, up 7.6 percent to $277.8 million, and money market checking accounts, up 3.8 percent to $526.2 million, partially offset by decreases in noninterest-bearing accounts of $25.8 million, down 3.4 percent to $738.6 million, and savings accounts of $5.8 million, down 4.5 percent to $121.6 million.

     The Company’s borrowings mostly take the form of advances from the Federal Home Loan Bank of San Francisco (“FHLB”). Advances from the FHLB were $43.5 million at December 31, 2005, compared to $68.6 million at September 30, 2005 and $66.4 million at December 31, 2004.

ASSET QUALITY

     Total non-performing assets, including accruing loans 90 days or more past due, non-accrual loans and other real estate owned (“OREO”) assets, increased by $2.2 million to $10.1 million at December 31, 2005 from $7.9 million at September 30, 2005. Non-performing loans as a percentage of gross loans increased to 0.41 percent at December 31, 2005 from 0.32 percent at September 30, 2005.

     At December 31, 2005, accruing loans 90 days or more past due were $9 thousand, down $261 thousand from $270 thousand at September 30, 2005. At December 31, 2005, non-accrual loans were $10.1 million, up $2.5 million from $7.6 million at September 30, 2005. The increase reflects increased delinquent loans, which totaled $21.2 million at December 31, 2005, compared to $17.9 million at September 30, 2005, an increase of $3.3 million. There were no OREO assets at December 31, 2005 or September 30, 2005.

     At December 31, 2005, the allowance for loan losses was $25.0 million, and represented management’s best estimate of the amount needed to maintain an allowance that management believes should be sufficient to absorb probable loan losses inherent in its loan portfolio in conformity with generally accepted accounting principles. In addition, the Company maintained a liability for off-balance sheet exposure totaling $2.1 million at December 31, 2005. The allowance for loan losses represented 1.00 percent of gross loans and 246.4 percent of non-performing loans at December 31, 2005. The comparable ratios were 0.99 percent of gross loans and 310.7 percent of non-performing loans at September 30, 2005.

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. Hanmi Bank specializes in commercial, SBA, trade finance and consumer 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: the Company’s or Bank’s inability to satisfy the requirements of any supervisory letters, agreements or understandings with their regulators, or inability to address any of the deficiencies described therein; further supervisory or enforcement actions of the Bank’s or Company’s regulators; general economic and business conditions in those areas in which the Company operates; demographic changes; competition for loans and deposits; fluctuations in interest rates; risks of natural disasters related to the Company’s real estate portfolio; risks associated with SBA loans; changes in governmental regulation; credit quality; the availability of capital to fund the expansion of the Company’s business; and changes in securities markets. In addition, Hanmi sets forth certain risks in its reports filed with the Securities and Exchange Commission, including the Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2005 and its Annual Report on Form 10-K for the fiscal year ended December 31, 2004, which could cause actual results to differ from those projected. These forward-looking statements should not be relied on as representing our view as of any subsequent date and the Company undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date they were made.

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,				%
		2005				2005				Change				2004				Change
ASSETS
Cash and Cash Equivalents		$	163,477			$	174,233				(6.2	)%		$	127,164				28.6	%
FRB and FHLB Stock			24,587				24,251				1.4	%			21,961				12.0	%
Investment Securities			443,912				398,274				11.5	%			418,973				6.0	%
Loans:
Loans, Net of Deferred Loan Fees			2,494,043				2,483,471				0.4	%			2,257,544				10.5	%
Allowance for Loan Losses			(24,963	)			(24,523	)			1.8	%			(22,702	)			10.0	%
Net Loans			2,469,080				2,458,948				0.4	%			2,234,842				10.5	%
Customers’ Liability on Acceptances			8,432				9,360				(9.9	)%			4,579				84.1	%
Premises and Equipment, Net			20,784				20,426				1.8	%			19,691				5.6	%
Accrued Interest Receivable			14,120				12,157				16.1	%			10,029				40.8	%
Deferred Income Taxes			9,651				8,159				18.3	%			5,009				92.7	%
Servicing Asset			3,910				3,716				5.2	%			3,846				1.7	%
Goodwill			209,058				209,058				—				209,643				(0.3	)%
Core Deposit Intangible			8,691				9,336				(6.9	)%			11,476				(24.3	)%
Bank-Owned Life Insurance			22,713				22,498				1.0	%			21,868				3.9	%
Other Assets			15,837				17,972				(11.9	)%			15,107				4.8	%
Total Assets		$	3,414,252			$	3,368,388				1.4	%		$	3,104,188				10.0	%
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-Bearing		$	738,618			$	764,380				(3.4	)%		$	729,583				1.2	%
Interest-Bearing			2,087,496				1,982,390				5.3	%			1,799,224				16.0	%
Total Deposits			2,826,114				2,746,770				2.9	%			2,528,807				11.8	%
Accrued Interest Payable			11,911				9,010				32.2	%			7,100				67.8	%
Acceptances Outstanding			8,432				9,360				(9.9	)%			4,579				84.1	%
Other Borrowed Funds			46,331				86,931				(46.7	)%			69,293				(33.1	)%
Junior Subordinated Debentures			82,406				82,406				—				82,406				—
Other Liabilities			12,281				17,905				(31.4	)%			12,093				1.6	%
Total Liabilities			2,987,475				2,952,382				1.2	%			2,704,278				10.5	%
Shareholders’ Equity			426,777				416,006				2.6	%			399,910				6.7	%
Total Liabilities and Shareholders’ Equity		$	3,414,252			$	3,368,388				1.4	%		$	3,104,188				10.0	%

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

		For the Three Months Ended
		Dec. 31,				Sept. 30,				%				Dec. 31,				%
		2005				2005				Change				2004				Change
INTEREST INCOME:
Interest and Fees on Loans		$	50,581			$	47,454				6.6	%		$	37,149				36.2	%
Interest on Investments			4,848				4,277				13.4	%			4,478				8.3	%
Interest on Federal Funds Sold			910				221				311.8	%			83				996.4	%
Total Interest Income			56,339				51,952				8.4	%			41,710				35.1	%
INTEREST EXPENSE:
Interest on Deposits			18,381				14,655				25.4	%			8,743				110.2	%
Interest on Borrowings			2,090				2,176				(4.0	)%			1,944				7.5	%
Total Interest Expense			20,471				16,831				21.6	%			10,687				91.6	%
NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES			35,868				35,121				2.1	%			31,023				15.6	%
Provision for Credit Losses			1,652				3,157				(47.7	)%			1,157				42.8	%
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES			34,216				31,964				7.0	%			29,866				14.6	%
NON-INTEREST INCOME:
Service Charges on Deposit Accounts			4,125				4,059				1.6	%			4,053				1.8	%
Trade Finance Fees			1,126				1,162				(3.1	)%			956				17.8	%
Remittance Fees			577				527				9.5	%			504				14.5	%
Other Service Charges and Fees			548				680				(19.4	)%			391				40.2	%
Bank-Owned Life Insurance Income			215				215				—				218				(1.4	)%
Increase in Fair Value of Derivatives			140				176				(20.5	)%			213				(34.3	)%
Other Income			636				648				(1.9	)%			576				10.4	%
Gain on Sales of Loans			945				1,712				(44.8	)%			1,343				(29.6	)%
Gain on Sales of Securities Available for Sale			—				21				(100.0	)%			10				(100.0	)%
Total Non-Interest Income			8,312				9,200				(9.7	)%			8,264				0.6	%
NON-INTEREST EXPENSES:
Salaries and Employee Benefits			9,972				9,155				8.9	%			10,461				(4.7	)%
Occupancy and Equipment			2,397				2,179				10.0	%			2,282				5.0	%
Data Processing			1,181				1,253				(5.7	)%			1,214				(2.7	)%
Supplies and Communications			689				559				23.3	%			474				45.4	%
Professional Fees			769				393				95.7	%			585				31.5	%
Advertising and Promotion			930				726				28.1	%			948				(1.9	)%
Amortization of Core Deposit Intangible			645				694				(7.1	)%			687				(6.1	)%
Decrease in Fair Value of Embedded Option			—				173				—				—				—
Other Operating Expenses			1,942				1,859				4.5	%			2,800				(30.6	)%
Total Non-Interest Expenses			18,525				16,991				9.0	%			19,451				(4.8	)%
INCOME BEFORE PROVISION FOR INCOME TAXES			24,003				24,173				(0.7	)%			18,679				28.5	%
Provision for Income Taxes			9,113				9,204				(1.0	)%			6,979				30.6	%
NET INCOME		$	14,890			$	14,969				(0.5	)%		$	11,700				27.3	%
EARNINGS PER SHARE:
Basic		$	0.31			$	0.30				3.3	%		$	0.24				29.2	%
Diluted		$	0.30			$	0.30				—			$	0.23				30.4	%
WEIGHTED-AVERAGE SHARES OUTSTANDING:
Basic			48,548,081				49,144,508				(1.2	)%			49,170,938				(1.3	)%
Diluted			49,318,671				49,914,432				(1.2	)%			50,377,919				(2.1	)%
SHARES OUTSTANDING AT PERIOD-END			48,658,798				48,606,245				0.1	%			49,330,704				(1.4	)%

HANMI FINANCIAL CORPORATION AND SUBSIDIARY
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

		For the Year Ended December 31,
										%
		2005				2004				Change
INTEREST INCOME:
Interest and Fees on Loans		$	179,011			$	116,811				53.2	%
Interest on Investments			18,507				17,372				6.5	%
Interest on Federal Funds Sold			1,589				183				768.3	%
Total Interest Income			199,107				134,366				48.2	%
INTEREST EXPENSE:
Interest on Deposits			54,192				26,268				106.3	%
Interest on Borrowings			7,919				6,349				24.7	%
Total Interest Expense			62,111				32,617				90.4	%
NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES			136,996				101,749				34.6	%
Provision for Credit Losses			5,395				2,907				85.6	%
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES			131,601				98,842				33.1	%
NON-INTEREST INCOME:
Service Charges on Deposit Accounts			15,782				14,441				9.3	%
Trade Finance Fees			4,269				4,044				5.6	%
Remittance Fees			2,122				1,653				28.4	%
Other Service Charges and Fees			2,496				1,486				68.0	%
Bank-Owned Life Insurance Income			845				731				15.6	%
Increase in Fair Value of Derivatives			1,105				232				376.3	%
Other Income			2,459				1,681				46.3	%
Gain on Sales of Loans			3,021				2,997				0.8	%
Gain on Sales of Securities Available for Sale			117				134				(12.7	)%
Total Non-Interest Income			32,216				27,399				17.6	%
NON-INTEREST EXPENSES:
Salaries and Employee Benefits			36,839				33,540				9.8	%
Occupancy and Equipment			8,978				8,098				10.9	%
Data Processing			4,844				4,540				6.7	%
Supplies and Communications			2,556				2,433				5.1	%
Professional Fees			2,201				2,068				6.4	%
Advertising and Promotion			2,913				3,001				(2.9	)%
Amortization of Core Deposit Intangible			2,785				1,872				48.8	%
Decrease in Fair Value of Embedded Option			748				—				—
Other Operating Expenses			7,778				8,961				(13.2	)%
Merger-Related Expenses			(509	)			2,053				(124.8	)%
Total Non-Interest Expenses			69,133				66,566				3.9	%
INCOME BEFORE PROVISION FOR INCOME TAXES			94,684				59,675				58.7	%
Provision for Income Taxes			36,455				22,975				58.7	%
NET INCOME		$	58,229			$	36,700				58.7	%
EARNINGS PER SHARE:
Basic		$	1.18			$	0.87				35.6	%
Diluted		$	1.17			$	0.84				39.3	%
WEIGHTED-AVERAGE SHARES OUTSTANDING:
Basic			49,174,885				42,268,964				16.3	%
Diluted			49,942,356				43,517,257				14.8	%
SHARES OUTSTANDING AT PERIOD-END			48,658,798				49,330,704				(1.4	)%

HANMI FINANCIAL CORPORATION AND SUBSIDIARY
SELECTED FINANCIAL DATA (UNAUDITED)

		For the Three Months Ended																				For the Year Ended
		Dec. 31,				Sept. 30,				%				Dec. 31,				%				Dec. 31,				Dec. 31,				%
		2005				2005				Change				2004				Change				2005				2004				Change
AVERAGE BALANCES:
Average Gross Loans, Net of Deferred Loan Fees		$	2,495,309			$	2,456,033				1.6	%		$	2,269,170				10.0	%		$	2,382,230			$	1,933,761				23.2	%
Average Interest-Earning Assets			3,038,836				2,913,198				4.3	%			2,730,506				11.3	%			2,871,564				2,387,412				20.3	%
Average Total Assets			3,429,114				3,299,551				3.9	%			3,105,266				10.4	%			3,249,190				2,670,701				21.7	%
Average Deposits			2,818,099				2,650,581				6.3	%			2,462,909				14.4	%			2,632,254				2,129,724				23.6	%
Average Interest-Bearing Liabilities			2,218,902				2,075,091				6.9	%			1,950,290				13.8	%			2,046,227				1,687,688				21.2	%
Average Shareholders’ Equity			423,702				427,535				(0.9	)%			394,488				7.4	%			417,813				293,313				42.4	%
Average Tangible Shareholders’ Equity			205,576				208,729				(1.5	)%			172,988				18.8	%			198,527				143,262				38.6	%
PERFORMANCE RATIOS: (Annualized)
Return on Average Assets			1.72	%			1.80	%							1.50	%							1.79	%			1.37	%
Return on Average Shareholders’ Equity			13.94	%			13.89	%							11.80	%							13.94	%			12.51	%
Return on Average Tangible Shareholders’ Equity			28.74	%			28.45	%							26.91	%							29.33	%			25.62	%
Efficiency Ratio *			41.93	%			38.34	%							49.51	%							41.16	%			51.54	%
Net Interest Margin			4.68	%			4.78	%							4.52	%							4.77	%			4.26	%
ALLOWANCE FOR LOAN LOSSES:
Balance at the Beginning of Period		$	24,523			$	22,049				11.2	%		$	22,150				10.7	%		$	22,702			$	13,349				70.1	%
Acquired in PUB Acquisition			—				—				—				—				—				—				10,566				(100.0	)%
Provision Charged to Operating Expense			1,546				3,069				(49.6	)%			1,157				33.6	%			5,065				2,492				103.3	%
Charge-Offs, Net of Recoveries			(1,106	)			(595	)			85.9	%			(605	)			82.8	%			(2,804	)			(3,705	)			(24.3	)%
Balance at the End of Period			$24,963			$	24,523				1.8	%		$	22,702				10.0	%		$	24,963			$	22,702				10.0	%
Allowance for Loan Losses to Total Gross Loans			1.00	%			0.99	%							1.00	%							1.00	%			1.00	%
Allowance for Loan Losses to Total Non-Performing Loans			246.4	%			310.7	%							377.5	%							246.4	%			377.5	%
ALLOWANCE FOR OFF-BALANCE SHEET ITEMS:
Balance at the Beginning of Period		$	2,024			$	1,936				4.5	%		$	1,800				12.4	%		$	1,800			$	1,385				30.0	%
Provision Charged to Operating Expense			106				88				20.5	%			—				—				330				415				(20.5	)%
Balance at the End of Period		$	2,130			$	2,024				5.2	%		$	1,800				18.3	%		$	2,130			$	1,800				18.3	%

*		Excluding reversal of merger-related expenses totaling $509,000 for the year ended December 31, 2005.

HANMI FINANCIAL CORPORATION AND SUBSIDIARY
SELECTED FINANCIAL DATA (UNAUDITED)    (Continued)

		Dec. 31,				Sept. 30,				%				Dec. 31,				%
		2005				2005				Change				2004				Change
NON-PERFORMING ASSETS:
Non-Accrual Loans		$	10,122			$	7,622				32.8	%		$	5,806				74.3	%
Loans 90 Days or More Past Due and Still Accruing			9				270				(96.7	)%			208				(95.7	)%
Total Non-Performing Loans			10,131				7,892				28.4	%			6,014				68.5	%
Real Estate Owned			—				—				—				—				—
Total Non-Performing Assets		$	10,131			$	7,892				28.4	%		$	6,014				68.5	%
Total Non-Performing Loans/Total Gross Loans			0.41	%			0.32	%							0.27	%
Total Non-Performing Assets/Total Assets			0.30	%			0.23	%							0.19	%
LOAN PORTFOLIO:
Real Estate Loans		$	974,172			$	967,025				0.7	%		$	956,846				1.8	%
Commercial and Industrial Loans			1,431,492				1,428,708				0.2	%			1,218,269				17.5	%
Consumer Loans			92,154				91,799				0.4	%			87,526				5.3	%
Total Gross Loans			2,497,818				2,487,532				0.4	%			2,262,641				10.4	%
Deferred Loan Fees, Net			(3,775	)			(4,061	)			(7.0	)%			(5,097	)			(25.9	)%
Allowance for Loan Losses			(24,963	)			(24,523	)			1.8	%			(22,702	)			10.0	%
Loans Receivable, Net		$	2,469,080			$	2,458,948				0.4	%		$	2,234,842				10.5	%
LOAN MIX:
Real Estate Loans			39.00	%			38.87	%							42.29	%
Commercial and Industrial Loans			57.31	%			57.43	%							53.84	%
Consumer Loans			3.69	%			3.70	%							3.87	%
Total Gross Loans			100.00	%			100.00	%							100.00	%
DEPOSIT PORTFOLIO:
Demand — Noninterest-Bearing		$	738,618			$	764,380				(3.4	)%		$	729,583				1.2	%
Money Market			526,171				506,843				3.8	%			613,662				(14.3	)%
Savings			121,574				127,349				(4.5	)%			153,862				(21.0	)%
Time Deposits of $100,000 or More			1,161,950				1,089,917				6.6	%			756,580				53.6	%
Other Time Deposits			277,801				258,281				7.6	%			275,120				1.0	%
Total Deposits		$	2,826,114			$	2,746,770				2.9	%		$	2,528,807				11.8	%
DEPOSIT MIX:
Demand — Noninterest-Bearing			26.14	%			27.83	%							28.85	%
Money Market			18.62	%			18.45	%							24.27	%
Savings			4.30	%			4.64	%							6.08	%
Time Deposits of $100,000 or More			41.11	%			39.68	%							29.92	%
Other Time Deposits			9.83	%			9.40	%							10.88	%
Total Deposits			100.00	%			100.00	%							100.00	%