| Capital Ratios of Hanmi Financial and Bank |
The capital ratios of Hanmi Financial and the Bank as of September 30, 2018 and December 31, 2017 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 |
|
Ratio |
|
Amount |
|
Ratio |
|
Amount |
|
Ratio |
|
(dollars in thousands) |
September 30, 2018 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
702,278 |
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|
15.01 |
% |
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$ |
374,228 |
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|
8.00 |
% |
|
N/A |
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|
N/A |
|
Hanmi Bank |
$ |
689,866 |
|
|
14.76 |
% |
|
$ |
373,906 |
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|
8.00 |
% |
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$ |
467,382 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
571,146 |
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|
12.21 |
% |
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$ |
280,671 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
656,833 |
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|
14.05 |
% |
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$ |
280,429 |
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6.00 |
% |
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$ |
373,906 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
551,575 |
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11.79 |
% |
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$ |
210,503 |
|
|
4.50 |
% |
|
N/A |
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N/A |
|
Hanmi Bank |
$ |
656,833 |
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|
14.05 |
% |
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$ |
210,322 |
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|
4.50 |
% |
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$ |
303,798 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
571,146 |
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|
10.53 |
% |
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$ |
217,047 |
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|
4.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
656,833 |
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|
12.11 |
% |
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$ |
217,044 |
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|
4.00 |
% |
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$ |
271,304 |
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|
5.00 |
% |
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December 31, 2017 |
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Total capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
684,272 |
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15.50 |
% |
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$ |
353,171 |
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|
8.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
670,896 |
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15.20 |
% |
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$ |
353,091 |
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|
8.00 |
% |
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$ |
441,364 |
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|
10.00 |
% |
Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
553,970 |
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12.55 |
% |
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$ |
264,878 |
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|
6.00 |
% |
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N/A |
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N/A |
|
Hanmi Bank |
$ |
638,557 |
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|
14.47 |
% |
|
$ |
264,818 |
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6.00 |
% |
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$ |
353,091 |
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|
8.00 |
% |
Common equity Tier 1 capital (to risk-weighted assets): |
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Hanmi Financial |
$ |
537,950 |
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12.19 |
% |
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$ |
198,658 |
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4.50 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
638,557 |
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14.47 |
% |
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$ |
198,614 |
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4.50 |
% |
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$ |
286,886 |
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|
6.50 |
% |
Tier 1 capital (to average assets): |
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Hanmi Financial |
$ |
553,970 |
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10.79 |
% |
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$ |
205,344 |
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4.00 |
% |
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N/A |
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N/A |
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Hanmi Bank |
$ |
638,557 |
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12.44 |
% |
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$ |
205,385 |
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|
4.00 |
% |
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$ |
256,731 |
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|
5.00 |
% |
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