| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of June 30, 2018 and December 31, 2017 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 |
|
(dollars in thousands) |
June 30, 2018 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
704,262 |
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15.17 |
% |
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$ |
371,336 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
690,123 |
|
|
14.86 |
% |
|
$ |
371,465 |
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|
8.00 |
% |
|
$ |
464,332 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
573,034 |
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|
12.35 |
% |
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$ |
278,502 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
656,948 |
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|
14.15 |
% |
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$ |
278,599 |
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|
6.00 |
% |
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$ |
371,465 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
553,555 |
|
|
11.93 |
% |
|
$ |
208,876 |
|
|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
656,948 |
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|
14.15 |
% |
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$ |
208,949 |
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|
4.50 |
% |
|
$ |
301,815 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
573,034 |
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|
10.83 |
% |
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$ |
211,655 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
656,948 |
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|
12.42 |
% |
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$ |
211,663 |
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|
4.00 |
% |
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$ |
264,579 |
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|
5.00 |
% |
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December 31, 2017 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
684,272 |
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15.50 |
% |
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$ |
353,171 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
670,896 |
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|
15.20 |
% |
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$ |
353,091 |
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|
8.00 |
% |
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$ |
441,364 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
553,970 |
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|
12.55 |
% |
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$ |
264,878 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
638,557 |
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|
14.47 |
% |
|
$ |
264,818 |
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|
6.00 |
% |
|
$ |
353,091 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
537,950 |
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12.19 |
% |
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$ |
198,658 |
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4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
638,557 |
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14.47 |
% |
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$ |
198,614 |
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|
4.50 |
% |
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$ |
286,886 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
553,970 |
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10.79 |
% |
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$ |
205,344 |
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|
4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
638,557 |
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|
12.44 |
% |
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$ |
205,385 |
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|
4.00 |
% |
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$ |
256,731 |
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|
5.00 |
% |
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