Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

March 31, 2020

Total capital (to risk-weighted assets):

Hanmi Financial

$

697,648

14.77

%

$

377,815

8.00

%

N/A

N/A

Hanmi Bank

$

676,231

14.29

%

$

378,465

8.00

%

$

473,082

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

543,885

11.52

%

$

283,361

6.00

%

N/A

N/A

Hanmi Bank

$

620,857

13.12

%

$

283,849

6.00

%

$

378,465

8.00

%

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

Hanmi Financial

$

523,750

11.09

%

$

212,521

4.50

%

N/A

N/A

Hanmi Bank

$

620,857

13.12

%

$

212,887

4.50

%

$

307,503

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

543,885

9.91

%

$

219,485

4.00

%

N/A

N/A

Hanmi Bank

$

620,857

11.35

%

$

218,811

4.00

%

$

273,514

5.00

%

December 31, 2019

Total capital (to risk-weighted assets):

Hanmi Financial

$

714,288

15.11

%

$

378,059

8.00

%

N/A

N/A

Hanmi Bank

$

691,024

14.64

%

$

377,516

8.00

%

$

471,895

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

556,820

11.78

%

$

283,544

6.00

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

283,137

6.00

%

$

377,516

8.00

%

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

Hanmi Financial

$

536,781

11.36

%

$

212,658

4.50

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

212,353

4.50

%

$

306,732

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

556,820

10.15

%

$

219,367

4.00

%

N/A

N/A

Hanmi Bank

$

631,978

11.56

%

$

218,748

4.00

%

$

273,435

5.00

%