Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

June 30, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

859,204

14.31

%

$

480,181

8.00

%

N/A

N/A

Hanmi Bank

$

820,787

13.70

%

$

479,396

8.00

%

$

599,245

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

685,566

11.42

%

$

360,136

6.00

%

N/A

N/A

Hanmi Bank

$

757,149

12.64

%

$

359,547

6.00

%

$

479,396

8.00

%

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

Hanmi Financial

$

664,531

11.07

%

$

270,102

4.50

%

N/A

N/A

Hanmi Bank

$

757,149

12.64

%

$

269,660

4.50

%

$

389,510

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

685,566

9.94

%

$

275,975

4.00

%

N/A

N/A

Hanmi Bank

$

757,149

11.00

%

$

275,237

4.00

%

$

344,046

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

%