| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of June 30, 2015 and December 31, 2014 were as follows:
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Actual |
|
Minimum
Regulatory
Requirement
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|
Minimum to Be
Categorized as
“Well Capitalized”
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|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(in thousands) |
June 30, 2015 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
476,897 |
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|
15.27 |
% |
|
$ |
249,810 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
474,037 |
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|
15.20 |
% |
|
$ |
249,492 |
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|
8.00 |
% |
|
$ |
311,866 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
437,453 |
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|
14.01 |
% |
|
$ |
187,357 |
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|
6.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
434,642 |
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|
13.94 |
% |
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$ |
187,119 |
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|
6.00 |
% |
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$ |
249,492 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
437,453 |
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|
14.01 |
% |
|
$ |
140,518 |
|
|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
434,642 |
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|
13.94 |
% |
|
$ |
140,340 |
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|
4.50 |
% |
|
$ |
202,713 |
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|
6.5 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
437,453 |
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|
11.05 |
% |
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$ |
158,364 |
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|
4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
434,642 |
|
|
10.99 |
% |
|
$ |
158,157 |
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|
4.00 |
% |
|
$ |
197,696 |
|
|
5.00 |
% |
December 31, 2014 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
493,598 |
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|
15.89 |
% |
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$ |
248,501 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
470,934 |
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|
15.18 |
% |
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$ |
248,157 |
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|
8.00 |
% |
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$ |
310,196 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
454,582 |
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|
14.63 |
% |
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$ |
124,250 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
431,971 |
|
|
13.93 |
% |
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$ |
124,078 |
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|
4.00 |
% |
|
$ |
186,118 |
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|
6.00 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
454,582 |
|
|
10.91 |
% |
|
$ |
166,600 |
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|
4.00 |
% |
|
N/A |
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N/A |
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Hanmi Bank |
$ |
431,971 |
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|
10.39 |
% |
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$ |
166,332 |
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|
4.00 |
% |
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$ |
207,915 |
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|
5.00 |
% |
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