| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of September 30, 2015 and December 31, 2014 were as follows:
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Actual |
|
Minimum
Regulatory
Requirement
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|
Minimum to Be
Categorized as
“Well Capitalized”
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|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(in thousands) |
September 30, 2015 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
487,613 |
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|
14.75 |
% |
|
$ |
264,425 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
484,968 |
|
|
14.69 |
% |
|
$ |
264,078 |
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|
8.00 |
% |
|
$ |
330,097 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
445,955 |
|
|
13.49 |
% |
|
$ |
198,319 |
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|
6.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
443,364 |
|
|
13.43 |
% |
|
$ |
198,058 |
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|
6.00 |
% |
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$ |
264,078 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
445,955 |
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|
13.49 |
% |
|
$ |
148,739 |
|
|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
443,364 |
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|
13.43 |
% |
|
$ |
148,544 |
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|
4.50 |
% |
|
$ |
214,563 |
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|
6.5 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
445,955 |
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|
11.19 |
% |
|
$ |
159,401 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
443,364 |
|
|
11.14 |
% |
|
$ |
159,196 |
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|
4.00 |
% |
|
$ |
198,995 |
|
|
5.00 |
% |
December 31, 2014 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
493,598 |
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|
15.89 |
% |
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$ |
248,501 |
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|
8.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
470,934 |
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|
15.18 |
% |
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$ |
248,157 |
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|
8.00 |
% |
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$ |
310,196 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
454,582 |
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|
14.63 |
% |
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$ |
124,250 |
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|
4.00 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
431,971 |
|
|
13.93 |
% |
|
$ |
124,078 |
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|
4.00 |
% |
|
$ |
186,118 |
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|
6.00 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
454,582 |
|
|
10.91 |
% |
|
$ |
166,600 |
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|
4.00 |
% |
|
N/A |
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N/A |
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Hanmi Bank |
$ |
431,971 |
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|
10.39 |
% |
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$ |
166,332 |
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|
4.00 |
% |
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$ |
207,915 |
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|
5.00 |
% |
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