| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of December 31, 2016 and 2015 were as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Actual |
|
Minimum
Regulatory
Requirement |
|
Minimum to Be
Categorized as
“Well Capitalized” |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(In thousands) |
December 31, 2016 |
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
554,089 |
|
|
13.86 |
% |
|
$ |
319,901 |
|
|
8.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
544,759 |
|
|
13.64 |
% |
|
$ |
319,520 |
|
|
8.00 |
% |
|
$ |
399,399 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
520,477 |
|
|
13.02 |
% |
|
$ |
239,926 |
|
|
6.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
511,146 |
|
|
12.80 |
% |
|
$ |
239,640 |
|
|
6.00 |
% |
|
$ |
319,520 |
|
|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
509,239 |
|
|
12.73 |
% |
|
$ |
179,944 |
|
|
4.50 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
511,146 |
|
|
12.80 |
% |
|
$ |
179,730 |
|
|
4.50 |
% |
|
$ |
259,610 |
|
|
6.50 |
% |
Tier 1 capital (to average assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
520,477 |
|
|
11.53 |
% |
|
$ |
180,581 |
|
|
4.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
511,146 |
|
|
11.33 |
% |
|
$ |
180,411 |
|
|
4.00 |
% |
|
$ |
225,514 |
|
|
5.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2015 |
|
|
|
|
|
|
|
|
|
|
|
Total capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
499,076 |
|
|
14.91 |
% |
|
$ |
267,760 |
|
|
8.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
496,710 |
|
|
14.86 |
% |
|
$ |
267,377 |
|
|
8.00 |
% |
|
$ |
334,222 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
456,941 |
|
|
13.65 |
% |
|
$ |
200,820 |
|
|
6.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
13.60 |
% |
|
$ |
200,533 |
|
|
6.00 |
% |
|
$ |
267,377 |
|
|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
456,941 |
|
|
13.65 |
% |
|
$ |
150,615 |
|
|
4.50 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
13.60 |
% |
|
$ |
150,400 |
|
|
4.50 |
% |
|
$ |
217,244 |
|
|
6.50 |
% |
Tier 1 capital (to average assets): |
|
|
|
|
|
|
|
|
|
|
|
Hanmi Financial |
$ |
456,941 |
|
|
11.31 |
% |
|
$ |
161,620 |
|
|
4.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
11.27 |
% |
|
$ |
161,399 |
|
|
4.00 |
% |
|
$ |
201,749 |
|
|
5.00 |
% |
|