Actual

Minimum Regulatory
Requirement

Minimum to be
Categorized as
“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

December 31, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

901,239

14.49

%

$

497,508

8.00

%

N/A

N/A

Hanmi Bank

$

860,503

13.86

%

$

496,607

8.00

%

$

620,758

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

728,344

11.71

%

$

373,131

6.00

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

372,455

6.00

%

$

496,607

8.00

%

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

Hanmi Financial

$

707,101

11.37

%

$

279,848

4.50

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

279,341

4.50

%

$

403,493

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

728,344

10.07

%

$

289,311

4.00

%

N/A

N/A

Hanmi Bank

$

797,608

11.07

%

$

288,110

4.00

%

$

360,137

5.00

%

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

%