Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

September 30, 2020

Total capital (to risk-weighted assets):

Hanmi Financial

$

728,350

15.16

%

$

384,456

8.00

%

N/A

N/A

Hanmi Bank

$

709,528

14.77

%

$

384,279

8.00

%

$

480,349

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

569,390

11.85

%

$

288,342

6.00

%

N/A

N/A

Hanmi Bank

$

649,086

13.51

%

$

288,209

6.00

%

$

384,279

8.00

%

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

Hanmi Financial

$

549,060

11.43

%

$

216,257

4.50

%

N/A

N/A

Hanmi Bank

$

649,086

13.51

%

$

216,157

4.50

%

$

312,227

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

569,390

9.53

%

$

238,916

4.00

%

N/A

N/A

Hanmi Bank

$

649,086

10.88

%

$

238,601

4.00

%

$

298,252

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

%