Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(in thousands)

June 30, 2020

Total capital (to risk-weighted assets):

Hanmi Financial

$

717,493

14.04

%

$

408,870

8.00

%

N/A

N/A

Hanmi Bank

$

695,899

13.62

%

$

408,716

8.00

%

$

510,895

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

554,813

10.86

%

$

306,652

6.00

%

N/A

N/A

Hanmi Bank

$

631,681

12.36

%

$

306,537

6.00

%

$

408,716

8.00

%

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

Hanmi Financial

$

534,582

10.46

%

$

229,989

4.50

%

N/A

N/A

Hanmi Bank

$

631,681

12.36

%

$

229,903

4.50

%

$

332,082

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

554,813

9.69

%

$

229,116

4.00

%

N/A

N/A

Hanmi Bank

$

631,681

11.03

%

$

229,017

4.00

%

$

286,271

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

%