Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

June 30, 2024

Total capital (to risk-weighted assets):

Hanmi Financial

$

962,585

15.24

%

$

505,278

8.00

%

N/A

N/A

Hanmi Bank

$

916,437

14.51

%

$

505,135

8.00

%

$

631,419

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

786,761

12.46

%

$

378,958

6.00

%

N/A

N/A

Hanmi Bank

$

850,613

13.47

%

$

378,851

6.00

%

$

505,135

8.00

%

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

Hanmi Financial

$

764,886

12.11

%

$

284,219

4.50

%

N/A

N/A

Hanmi Bank

$

850,613

13.47

%

$

284,139

4.50

%

$

410,422

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

786,761

10.51

%

$

299,570

4.00

%

N/A

N/A

Hanmi Bank

$

850,613

11.41

%

$

298,076

4.00

%

$

372,595

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

%