| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of December 31, 2015 and 2014 were as follows:
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Actual |
|
Minimum
Regulatory
Requirement |
|
Minimum to Be
Categorized as
“Well Capitalized” |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(In thousands) |
December 31, 2015 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
499,076 |
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|
14.91 |
% |
|
$ |
267,760 |
|
|
8.00 |
% |
|
N/A |
|
|
N/A |
|
Hanmi Bank |
$ |
496,710 |
|
|
14.86 |
% |
|
$ |
267,377 |
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|
8.00 |
% |
|
$ |
334,222 |
|
|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
456,941 |
|
|
13.65 |
% |
|
$ |
200,820 |
|
|
6.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
13.60 |
% |
|
$ |
200,533 |
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|
6.00 |
% |
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$ |
267,377 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
456,941 |
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|
13.65 |
% |
|
$ |
150,615 |
|
|
4.50 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
13.60 |
% |
|
$ |
150,400 |
|
|
4.50 |
% |
|
$ |
217,244 |
|
|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
456,941 |
|
|
11.31 |
% |
|
$ |
161,620 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
454,634 |
|
|
11.27 |
% |
|
$ |
161,399 |
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|
4.00 |
% |
|
$ |
201,749 |
|
|
5.00 |
% |
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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 |
% |
|
N/A |
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N/A |
|
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 |
% |
|
$ |
124,250 |
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|
4.00 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
431,971 |
|
|
13.93 |
% |
|
$ |
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 |
% |
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$ |
166,600 |
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|
4.00 |
% |
|
N/A |
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N/A |
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Hanmi Bank |
$ |
431,971 |
|
|
10.39 |
% |
|
$ |
166,332 |
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|
4.00 |
% |
|
$ |
207,915 |
|
|
5.00 |
% |
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