Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

September 30, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

890,412

17.18

%

$

414,662

8.00

%

N/A

N/A

Hanmi Bank

$

786,150

15.17

%

$

414,653

8.00

%

$

518,317

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

631,277

12.18

%

$

310,997

6.00

%

N/A

N/A

Hanmi Bank

$

721,131

13.91

%

$

310,990

6.00

%

$

414,653

8.00

%

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

Hanmi Financial

$

610,548

11.78

%

$

233,248

4.50

%

N/A

N/A

Hanmi Bank

$

721,131

13.91

%

$

233,242

4.50

%

$

336,906

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

631,277

9.50

%

$

265,683

4.00

%

N/A

N/A

Hanmi Bank

$

721,131

10.86

%

$

265,650

4.00

%

$

332,063

5.00

%

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

%