Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

June 30, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

775,558

15.53

%

$

399,535

8.00

%

N/A

N/A

Hanmi Bank

$

761,376

15.25

%

$

399,459

8.00

%

$

499,323

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

614,177

12.30

%

$

299,651

6.00

%

N/A

N/A

Hanmi Bank

$

698,715

13.99

%

$

299,594

6.00

%

$

399,459

8.00

%

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

Hanmi Financial

$

593,550

11.88

%

$

224,739

4.50

%

N/A

N/A

Hanmi Bank

$

698,715

13.99

%

$

224,696

4.50

%

$

324,560

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

614,177

9.57

%

$

256,626

4.00

%

N/A

N/A

Hanmi Bank

$

698,715

10.89

%

$

256,611

4.00

%

$

320,763

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

%