| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of September 30, 2016 and December 31, 2015 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 |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(dollars in thousands) |
September 30, 2016 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
548,644 |
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|
14.99 |
% |
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$ |
292,788 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
533,874 |
|
|
14.61 |
% |
|
$ |
292,391 |
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|
8.00 |
% |
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$ |
365,489 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
508,181 |
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|
13.89 |
% |
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$ |
219,591 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
493,411 |
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|
13.50 |
% |
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$ |
219,293 |
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6.00 |
% |
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$ |
292,391 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
502,648 |
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|
13.73 |
% |
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$ |
164,693 |
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|
4.50 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
493,411 |
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|
13.50 |
% |
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$ |
164,470 |
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|
4.50 |
% |
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$ |
237,568 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
508,181 |
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|
11.68 |
% |
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$ |
173,983 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
493,411 |
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|
11.36 |
% |
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$ |
173,751 |
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|
4.00 |
% |
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$ |
217,188 |
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|
5.00 |
% |
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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 |
|
Hanmi Bank |
$ |
454,634 |
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|
13.60 |
% |
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$ |
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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