| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of December 31, 2018 and 2017 were as follows:
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Actual |
|
Minimum
Regulatory
Requirement |
|
Minimum to Be
Categorized as
“Well Capitalized” |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(dollars in thousands) |
December 31, 2018 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
682,398 |
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|
14.54 |
% |
|
$ |
375,449 |
|
|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
664,195 |
|
|
14.19 |
% |
|
$ |
374,538 |
|
|
8.00 |
% |
|
$ |
468,173 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
550,839 |
|
|
11.74 |
% |
|
$ |
281,587 |
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|
6.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
630,782 |
|
|
13.47 |
% |
|
$ |
280,904 |
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|
6.00 |
% |
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$ |
374,538 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
531,177 |
|
|
11.32 |
% |
|
$ |
211,190 |
|
|
4.50 |
% |
|
N/A |
|
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N/A |
|
Hanmi Bank |
$ |
630,782 |
|
|
13.47 |
% |
|
$ |
210,678 |
|
|
4.50 |
% |
|
$ |
304,312 |
|
|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
550,839 |
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|
10.18 |
% |
|
$ |
216,526 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
630,782 |
|
|
11.67 |
% |
|
$ |
216,265 |
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|
4.00 |
% |
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$ |
270,331 |
|
|
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 |
% |
|
$ |
353,171 |
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|
8.00 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
670,896 |
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|
15.20 |
% |
|
$ |
353,091 |
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|
8.00 |
% |
|
$ |
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 |
% |
|
$ |
264,878 |
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|
6.00 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
638,557 |
|
|
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 |
% |
|
$ |
198,658 |
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|
4.50 |
% |
|
N/A |
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N/A |
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Hanmi Bank |
$ |
638,557 |
|
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14.47 |
% |
|
$ |
198,614 |
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|
4.50 |
% |
|
$ |
286,886 |
|
|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
553,970 |
|
|
10.79 |
% |
|
$ |
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 |
|
|
12.44 |
% |
|
$ |
205,385 |
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|
4.00 |
% |
|
$ |
256,731 |
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|
5.00 |
% |
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