Actual

Minimum Regulatory

Requirement

Minimum to be

Categorized as

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

December 31, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

912,527

16.61

%

$

439,386

8.00

%

N/A

N/A

Hanmi Bank

$

809,280

14.72

%

$

439,858

8.00

%

$

549,822

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

657,251

11.97

%

$

329,539

6.00

%

N/A

N/A

Hanmi Bank

$

748,178

13.61

%

$

329,893

6.00

%

$

439,858

8.00

%

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

Hanmi Financial

$

636,420

11.59

%

$

247,155

4.50

%

N/A

N/A

Hanmi Bank

$

748,178

13.61

%

$

247,420

4.50

%

$

357,385

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

657,251

9.63

%

$

273,133

4.00

%

N/A

N/A

Hanmi Bank

$

748,178

10.96

%

$

273,101

4.00

%

$

341,376

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

%