| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of March 31, 2016 and December 31, 2015 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) |
March 31, 2016 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
532,365 |
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|
15.37 |
% |
|
$ |
277,118 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
511,172 |
|
|
14.78 |
% |
|
$ |
276,660 |
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|
8.00 |
% |
|
$ |
345,825 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
490,119 |
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|
14.15 |
% |
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$ |
207,839 |
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|
6.00 |
% |
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N/A |
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|
N/A |
|
Hanmi Bank |
$ |
468,926 |
|
|
13.56 |
% |
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$ |
207,495 |
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|
6.00 |
% |
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$ |
276,660 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
484,714 |
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|
13.99 |
% |
|
$ |
155,879 |
|
|
4.50 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
468,926 |
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|
13.56 |
% |
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$ |
155,621 |
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|
4.50 |
% |
|
$ |
224,786 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
490,119 |
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|
11.70 |
% |
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$ |
167,500 |
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|
4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
468,926 |
|
|
11.22 |
% |
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$ |
167,286 |
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|
4.00 |
% |
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$ |
209,107 |
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|
5.00 |
% |
December 31, 2015 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
499,076 |
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14.91 |
% |
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$ |
267,760 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
496,710 |
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|
14.86 |
% |
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$ |
267,377 |
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|
8.00 |
% |
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$ |
334,222 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
456,941 |
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13.65 |
% |
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$ |
200,820 |
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|
6.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
454,634 |
|
|
13.60 |
% |
|
$ |
200,533 |
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|
6.00 |
% |
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$ |
267,377 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
456,941 |
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13.65 |
% |
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$ |
150,615 |
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|
4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
454,634 |
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13.60 |
% |
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$ |
150,400 |
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|
4.50 |
% |
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$ |
217,244 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
456,941 |
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|
11.31 |
% |
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$ |
161,620 |
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|
4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
454,634 |
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|
11.27 |
% |
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$ |
161,399 |
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|
4.00 |
% |
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$ |
201,749 |
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|
5.00 |
% |
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