Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

December 31, 2019

Total capital (to risk-weighted assets):

Hanmi Financial

$

714,288

15.11

%

$

378,059

8.00

%

N/A

N/A

Hanmi Bank

$

691,024

14.64

%

$

377,516

8.00

%

$

471,895

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

556,820

11.78

%

$

283,544

6.00

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

283,137

6.00

%

$

377,516

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

536,781

11.36

%

$

212,658

4.50

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

212,353

4.50

%

$

306,732

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

556,820

10.15

%

$

219,367

4.00

%

N/A

N/A

Hanmi Bank

$

631,978

11.56

%

$

218,748

4.00

%

$

273,435

5.00

%

December 31, 2018

Total capital (to risk-weighted assets):

Hanmi Financial

$

682,398

14.54

%

$

375,449

8.00

%

N/A

N/A

Hanmi Bank

$

664,195

14.19

%

$

374,538

8.00

%

$

468,173

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

550,839

11.74

%

$

281,587

6.00

%

N/A

N/A

Hanmi Bank

$

630,782

13.47

%

$

280,904

6.00

%

$

374,538

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

531,177

11.32

%

$

211,190

4.50

%

N/A

N/A

Hanmi Bank

$

630,782

13.47

%

$

210,678

4.50

%

$

304,312

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

550,839

10.18

%

$

216,526

4.00

%

N/A

N/A

Hanmi Bank

$

630,782

11.67

%

$

216,265

4.00

%

$

270,331

5.00

%