Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

June 30, 2023

Total capital (to risk-weighted assets):

Hanmi Financial

$

927,843

15.11

%

$

491,296

8.00

%

N/A

N/A

Hanmi Bank

$

887,666

14.45

%

$

491,289

8.00

%

$

614,111

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

752,172

12.25

%

$

368,472

6.00

%

N/A

N/A

Hanmi Bank

$

821,995

13.39

%

$

368,467

6.00

%

$

491,289

8.00

%

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

Hanmi Financial

$

730,721

11.90

%

$

276,354

4.50

%

N/A

N/A

Hanmi Bank

$

821,995

13.39

%

$

276,350

4.50

%

$

399,172

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

752,172

10.22

%

$

295,643

4.00

%

N/A

N/A

Hanmi Bank

$

821,995

11.21

%

$

293,402

4.00

%

$

366,752

5.00

%

December 31, 2022

Total capital (to risk-weighted assets):

Hanmi Financial

$

901,239

14.49

%

$

497,508

8.00

%

N/A

N/A

Hanmi Bank

$

860,503

13.86

%

$

496,607

8.00

%

$

620,758

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

728,344

11.71

%

$

373,131

6.00

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

372,455

6.00

%

$

496,607

8.00

%

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

Hanmi Financial

$

707,101

11.37

%

$

279,848

4.50

%

N/A

N/A

Hanmi Bank

$

797,608

12.85

%

$

279,341

4.50

%

$

403,493

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

728,344

10.07

%

$

289,311

4.00

%

N/A

N/A

Hanmi Bank

$

797,608

11.07

%

$

288,110

4.00

%

$

360,137

5.00

%