Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

March 31, 2024

Total capital (to risk-weighted assets):

Hanmi Financial

$

958,173

15.20

%

$

504,319

8.00

%

N/A

N/A

Hanmi Bank

$

914,061

14.50

%

$

504,340

8.00

%

$

630,425

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

781,521

12.40

%

$

378,239

6.00

%

N/A

N/A

Hanmi Bank

$

847,409

13.44

%

$

378,255

6.00

%

$

504,340

8.00

%

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

Hanmi Financial

$

759,752

12.05

%

$

283,680

4.50

%

N/A

N/A

Hanmi Bank

$

847,409

13.44

%

$

283,691

4.50

%

$

409,776

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

781,521

10.36

%

$

301,758

4.00

%

N/A

N/A

Hanmi Bank

$

847,409

11.29

%

$

300,334

4.00

%

$

375,417

5.00

%

December 31, 2023

Total capital (to risk-weighted assets):

Hanmi Financial

$

947,286

14.95

%

$

506,891

8.00

%

N/A

N/A

Hanmi Bank

$

904,153

14.27

%

$

506,741

8.00

%

$

633,426

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

773,179

12.20

%

$

380,168

6.00

%

N/A

N/A

Hanmi Bank

$

840,046

13.26

%

$

380,056

6.00

%

$

506,741

8.00

%

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

Hanmi Financial

$

751,516

11.86

%

$

285,126

4.50

%

N/A

N/A

Hanmi Bank

$

840,046

13.26

%

$

285,042

4.50

%

$

411,727

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

773,179

10.37

%

$

298,277

4.00

%

N/A

N/A

Hanmi Bank

$

840,046

11.32

%

$

296,948

4.00

%

$

371,185

5.00

%