Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

March 31, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

839,015

14.73

%

$

455,784

8.00

%

N/A

N/A

Hanmi Bank

$

806,922

14.19

%

$

455,023

8.00

%

$

568,778

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

666,887

11.71

%

$

341,838

6.00

%

N/A

N/A

Hanmi Bank

$

744,794

13.09

%

$

341,267

6.00

%

$

455,023

8.00

%

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

Hanmi Financial

$

645,954

11.34

%

$

256,378

4.50

%

N/A

N/A

Hanmi Bank

$

744,794

13.09

%

$

255,950

4.50

%

$

369,706

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

666,887

9.70

%

$

274,915

4.00

%

N/A

N/A

Hanmi Bank

$

744,794

10.84

%

$

274,835

4.00

%

$

343,544

5.00

%

December 31, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

912,527

16.57

%

$

440,639

8.00

%

N/A

N/A

Hanmi Bank

$

809,279

14.70

%

$

440,493

8.00

%

$

550,616

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

657,250

11.93

%

$

330,479

6.00

%

N/A

N/A

Hanmi Bank

$

748,177

13.59

%

$

330,369

6.00

%

$

440,493

8.00

%

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

Hanmi Financial

$

636,419

11.55

%

$

247,859

4.50

%

N/A

N/A

Hanmi Bank

$

748,177

13.59

%

$

247,777

4.50

%

$

357,900

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

657,250

9.63

%

$

273,133

4.00

%

N/A

N/A

Hanmi Bank

$

748,177

10.96

%

$

273,101

4.00

%

$

341,376

5.00

%