| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of September 30, 2019 and December 31, 2018 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 |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(dollars in thousands) |
September 30, 2019 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
717,941 |
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|
15.07 |
% |
|
$ |
381,070 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
695,826 |
|
|
14.65 |
% |
|
$ |
379,905 |
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|
8.00 |
% |
|
$ |
474,882 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
567,397 |
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|
11.91 |
% |
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$ |
285,803 |
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|
6.00 |
% |
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N/A |
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|
N/A |
|
Hanmi Bank |
$ |
643,571 |
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|
13.55 |
% |
|
$ |
284,929 |
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|
6.00 |
% |
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$ |
379,905 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
547,454 |
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|
11.49 |
% |
|
$ |
214,352 |
|
|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
643,571 |
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|
13.55 |
% |
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$ |
213,697 |
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|
4.50 |
% |
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$ |
308,673 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
567,397 |
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|
10.43 |
% |
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$ |
217,528 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
643,571 |
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|
11.86 |
% |
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$ |
217,080 |
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|
4.00 |
% |
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$ |
271,351 |
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|
5.00 |
% |
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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 |
% |
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$ |
375,449 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
664,195 |
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|
14.19 |
% |
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$ |
374,538 |
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|
8.00 |
% |
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$ |
468,173 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
550,839 |
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11.74 |
% |
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$ |
281,587 |
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|
6.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
630,782 |
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|
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 |
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11.32 |
% |
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$ |
211,190 |
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4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
630,782 |
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13.47 |
% |
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$ |
210,678 |
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4.50 |
% |
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$ |
304,312 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
550,839 |
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10.18 |
% |
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$ |
216,526 |
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|
4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
630,782 |
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11.67 |
% |
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$ |
216,265 |
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|
4.00 |
% |
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$ |
270,331 |
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|
5.00 |
% |
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