Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

September 30, 2023

Total capital (to risk-weighted assets):

Hanmi Financial

$

933,916

15.07

%

$

495,714

8.00

%

N/A

N/A

Hanmi Bank

$

893,375

14.42

%

$

495,685

8.00

%

$

619,607

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

761,969

12.30

%

$

371,786

6.00

%

N/A

N/A

Hanmi Bank

$

831,428

13.42

%

$

371,764

6.00

%

$

495,685

8.00

%

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

Hanmi Financial

$

740,411

11.95

%

$

278,839

4.50

%

N/A

N/A

Hanmi Bank

$

831,428

13.42

%

$

278,823

4.50

%

$

402,744

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

761,969

10.27

%

$

296,662

4.00

%

N/A

N/A

Hanmi Bank

$

831,428

11.25

%

$

295,515

4.00

%

$

369,394

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

%