| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of September 30, 2017 and December 31, 2016 were as follows:
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Actual |
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Minimum
Regulatory
Requirement
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|
Minimum to Be
Categorized as
“Well Capitalized”
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|
Amount |
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Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(dollars in thousands) |
September 30, 2017 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
677,024 |
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|
15.58 |
% |
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$ |
347,757 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
666,298 |
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|
15.32 |
% |
|
$ |
347,949 |
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|
8.00 |
% |
|
$ |
434,936 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
545,698 |
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|
12.56 |
% |
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$ |
260,818 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
632,891 |
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|
14.55 |
% |
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$ |
260,962 |
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|
6.00 |
% |
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$ |
347,949 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
530,347 |
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12.20 |
% |
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$ |
195,613 |
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|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
632,891 |
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|
14.55 |
% |
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$ |
195,721 |
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|
4.50 |
% |
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$ |
282,709 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
545,698 |
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|
10.92 |
% |
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$ |
199,818 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
632,891 |
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|
12.66 |
% |
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$ |
199,897 |
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|
4.00 |
% |
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$ |
249,871 |
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|
5.00 |
% |
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December 31, 2016 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
554,089 |
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13.86 |
% |
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$ |
319,901 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
544,759 |
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13.64 |
% |
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$ |
319,520 |
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|
8.00 |
% |
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$ |
399,399 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
520,477 |
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13.02 |
% |
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$ |
239,926 |
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|
6.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
511,146 |
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|
12.80 |
% |
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$ |
239,640 |
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6.00 |
% |
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$ |
319,520 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
509,239 |
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|
12.73 |
% |
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$ |
179,944 |
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4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
511,146 |
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12.80 |
% |
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$ |
179,730 |
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4.50 |
% |
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$ |
259,610 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
520,477 |
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11.53 |
% |
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$ |
180,581 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
511,146 |
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|
11.33 |
% |
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$ |
180,411 |
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|
4.00 |
% |
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$ |
225,514 |
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|
5.00 |
% |
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