Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

September 30, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

879,761

14.38

%

$

489,404

8.00

%

N/A

N/A

Hanmi Bank

$

840,236

13.76

%

$

488,565

8.00

%

$

610,706

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

706,670

11.55

%

$

367,053

6.00

%

N/A

N/A

Hanmi Bank

$

777,145

12.73

%

$

366,424

6.00

%

$

488,565

8.00

%

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

Hanmi Financial

$

685,531

11.21

%

$

275,290

4.50

%

N/A

N/A

Hanmi Bank

$

777,145

12.73

%

$

274,818

4.50

%

$

396,959

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

706,670

9.99

%

$

283,039

4.00

%

N/A

N/A

Hanmi Bank

$

777,145

11.02

%

$

282,187

4.00

%

$

352,734

5.00

%

December 31, 2021

Total capital (to risk-weighted assets):

Hanmi Financial

$

912,527

16.57

%

$

440,639

8.00

%

N/A

N/A

Hanmi Bank

$

809,279

14.70

%

$

440,493

8.00

%

$

550,616

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

657,250

11.93

%

$

330,479

6.00

%

N/A

N/A

Hanmi Bank

$

748,177

13.59

%

$

330,369

6.00

%

$

440,493

8.00

%

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

Hanmi Financial

$

636,419

11.55

%

$

247,859

4.50

%

N/A

N/A

Hanmi Bank

$

748,177

13.59

%

$

247,777

4.50

%

$

357,900

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

657,250

9.63

%

$

273,133

4.00

%

N/A

N/A

Hanmi Bank

$

748,177

10.96

%

$

273,101

4.00

%

$

341,376

5.00

%