Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

September 30, 2024

Total capital (to risk-weighted assets):

Hanmi Financial

$

970,961

15.03

%

$

516,490

8.00

%

N/A

N/A

Hanmi Bank

$

921,905

14.27

%

$

516,490

8.00

%

$

645,612

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

793,728

12.29

%

$

387,368

6.00

%

N/A

N/A

Hanmi Bank

$

854,672

13.23

%

$

387,367

6.00

%

$

516,490

8.00

%

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

Hanmi Financial

$

771,741

11.95

%

$

290,526

4.50

%

N/A

N/A

Hanmi Bank

$

854,672

13.23

%

$

290,525

4.50

%

$

419,648

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

793,728

10.56

%

$

300,755

4.00

%

N/A

N/A

Hanmi Bank

$

854,672

11.43

%

$

299,224

4.00

%

$

374,030

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

%