Actual

Minimum Regulatory

Requirement

Minimum to be

Categorized as

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

December 31, 2020

Total capital (to risk-weighted assets):

Hanmi Financial

$

743,091

15.21

%

$

390,884

8.00

%

N/A

N/A

Hanmi Bank

$

726,532

14.86

%

$

391,114

8.00

%

$

488,893

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

583,076

11.93

%

$

293,163

6.00

%

N/A

N/A

Hanmi Bank

$

665,058

13.60

%

$

293,336

6.00

%

$

391,114

8.00

%

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

Hanmi Financial

$

562,647

11.52

%

$

219,872

4.50

%

N/A

N/A

Hanmi Bank

$

665,058

13.60

%

$

220,002

4.50

%

$

317,780

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

583,076

9.49

%

$

245,882

4.00

%

N/A

N/A

Hanmi Bank

$

665,059

10.83

%

$

245,736

4.00

%

$

307,170

5.00

%

December 31, 2019

Total capital (to risk-weighted assets):

Hanmi Financial

$

714,288

15.11

%

$

378,059

8.00

%

N/A

N/A

Hanmi Bank

$

691,024

14.64

%

$

377,516

8.00

%

$

471,895

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

556,820

11.78

%

$

283,544

6.00

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

283,137

6.00

%

$

377,516

8.00

%

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

Hanmi Financial

$

536,781

11.36

%

$

212,658

4.50

%

N/A

N/A

Hanmi Bank

$

631,978

13.39

%

$

212,353

4.50

%

$

306,732

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

556,820

10.15

%

$

219,367

4.00

%

N/A

N/A

Hanmi Bank

$

631,978

11.56

%

$

218,748

4.00

%

$

273,435

5.00

%