Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

March 31, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

755,929

15.54%

$

389,082

8.00

%

N/A

N/A

Hanmi Bank

$

743,137

15.26

%

$

389,579

8.00

%

$

486,974

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

596,129

12.26%

$

291,812

6.00

%

N/A

N/A

Hanmi Bank

$

682,137

14.01%

$

292,185

6.00

%

$

389,579

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

575,601

11.84%

$

218,859

4.50

%

N/A

N/A

Hanmi Bank

$

682,137

14.01%

$

219,138

4.50

%

$

316,533

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

596,129

9.61%

$

248,215

4.00

%

N/A

N/A

Hanmi Bank

$

682,137

10.99%

$

248,219

4.00

%

$

310,274

5.00

%

December 31, 2020

Total capital (to risk-weighted assets):

Hanmi Financial

$

743,091

15.21

%

$

390,884

8.00

%

N/A

N/A

Hanmi Bank

$

726,532

14.86

%

$

391,114

8.00

%

$

488,893

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

583,076

11.93

%

$

293,163

6.00

%

N/A

N/A

Hanmi Bank

$

665,058

13.60

%

$

293,336

6.00

%

$

391,114

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

562,647

11.52

%

$

219,872

4.50

%

N/A

N/A

Hanmi Bank

$

665,058

13.60

%

$

220,002

4.50

%

$

317,780

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

583,076

9.49

%

$

245,882

4.00

%

N/A

N/A

Hanmi Bank

$

665,059

10.83

%

$

245,736

4.00

%

$

307,170

5.00

%