| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of
March 31, 2015 and December 31, 2014 were as follows:
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Minimum |
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Minimum to
Be |
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Regulatory
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Categorized
as |
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Actual |
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Requirement |
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“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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March 31, 2015
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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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15.40 |
% |
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$ |
252,777 |
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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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$ |
482,965 |
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15.33 |
% |
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$ |
252,348 |
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8.00 |
% |
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$ |
315,435 |
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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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14.15 |
% |
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$ |
189,583 |
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6.00 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
443,946 |
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14.08 |
% |
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$ |
189,261 |
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6.00 |
% |
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$ |
252,348 |
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8.00 |
% |
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Common equity Tier 1 capital (to risk-weighted assets)
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Hanmi Financial
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$ |
454,582 |
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14.15 |
% |
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$ |
142,187 |
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4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank
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$ |
443,946 |
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14.08 |
% |
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$ |
141,946 |
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4.50 |
% |
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$ |
205,033 |
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6.50 |
% |
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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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10.78 |
% |
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$ |
165,895 |
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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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$ |
443,946 |
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10.72 |
% |
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$ |
165,710 |
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4.00 |
% |
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$ |
207,137 |
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5.00 |
% |
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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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