| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of
December 31, 2014 and 2013 were as follows:
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Actual |
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Minimum
Regulatory
Requirement
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Minimum to Be
Categorized as
“Well Capitalized”
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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(In
thousands) |
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December 31, 2014
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Total capital (to risk-weighted assets):
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Hanmi Financial
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$ |
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 |
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Hanmi Bank
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$ |
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 |
% |
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Tier 1 capital (to risk-weighted assets):
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Hanmi Financial
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$ |
454,582 |
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14.63 |
% |
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$ |
124,250 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
431,971 |
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13.93 |
% |
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$ |
124,078 |
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4.00 |
% |
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$ |
186,118 |
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6.00 |
% |
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Tier 1 capital (to average assets):
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Hanmi Financial
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$ |
454,582 |
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10.91 |
% |
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$ |
166,600 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
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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December 31, 2013
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Total capital (to risk-weighted assets):
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Hanmi Financial
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$ |
426,614 |
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17.48 |
% |
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$ |
195,210 |
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8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
409,095 |
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16.79 |
% |
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$ |
194,880 |
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8.00 |
% |
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$ |
243,600 |
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|
10.00 |
% |
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Tier 1 capital (to risk-weighted assets):
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Hanmi Financial
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$ |
395,763 |
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16.26 |
% |
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$ |
97,605 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
378,295 |
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15.53 |
% |
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$ |
97,440 |
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4.00 |
% |
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$ |
146,160 |
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6.00 |
% |
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Tier 1 capital (to average assets):
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Hanmi Financial
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$ |
395,763 |
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13.62 |
% |
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$ |
116,249 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
378,295 |
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13.05 |
% |
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$ |
115,984 |
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4.00 |
% |
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$ |
144,980 |
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5.00 |
% |
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