Actual

Minimum Regulatory
Requirement

Minimum to be
Categorized as
“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

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

%

December 31, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

901,239

14.49

%

$

497,508

8.00

%

N/A

N/A

Hanmi Bank

$

860,503

13.86

%

$

496,607

8.00

%

$

620,758

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

728,344

11.71

%

$

373,131

6.00

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

372,455

6.00

%

$

496,607

8.00

%

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

Hanmi Financial

$

707,101

11.37

%

$

279,848

4.50

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

279,341

4.50

%

$

403,493

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

728,344

10.07

%

$

289,311

4.00

%

N/A

N/A

Hanmi Bank

$

797,608

11.07

%

$

288,110

4.00

%

$

360,137

5.00

%