Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

March 31, 2023

Total capital (to risk-weighted assets):

Hanmi Financial

$

917,551

14.80

%

$

495,951

8.00

%

N/A

N/A

Hanmi Bank

$

876,961

14.15

%

$

495,874

8.00

%

$

619,842

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

740,064

11.94

%

$

371,963

6.00

%

N/A

N/A

Hanmi Bank

$

809,474

13.06

%

$

371,905

6.00

%

$

495,874

8.00

%

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

Hanmi Financial

$

718,717

11.59

%

$

278,973

4.50

%

N/A

N/A

Hanmi Bank

$

809,474

13.06

%

$

278,929

4.50

%

$

402,897

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

740,064

10.09

%

$

293,509

4.00

%

N/A

N/A

Hanmi Bank

$

809,474

11.06

%

$

292,658

4.00

%

$

365,822

5.00

%

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

%