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Regulatory Matters | 3 Months Ended
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Mar. 31, 2013
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Regulatory Matters | NOTE 6 — REGULATORY MATTERS Risk-Based Capital Federal bank regulatory agencies require bank holding companies and banks to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 8.0 percent and a minimum ratio of Tier 1 capital to risk-weighted assets of 4.0 percent. In addition to the risk-based guidelines, federal bank regulatory agencies require bank holding companies and banks to maintain a minimum ratio of Tier 1 capital to average total assets, referred to as the leverage ratio, of 4.0 percent. In order for banks to be considered “well capitalized,” federal bank regulatory agencies require them to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 10.0 percent and a minimum ratio of Tier 1 capital to risk-weighted assets of 6.0 percent. In addition to the risk-based guidelines, federal bank regulatory agencies require depository institutions to maintain a minimum ratio of Tier 1 capital to average total assets, referred to as the leverage ratio, of 5.0 percent. The capital ratios of Hanmi Financial and the Bank were as follows as of March 31, 2013 and 2012:
|  |  |  |  |  |  |  | Minimum |  |  | Minimum to Be |
|  |  |  |  |  |  |  | Regulatory |  |  | Categorized as |
|  | Actual |  |  | Requirement |  |  | “Well Capitalized” |
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
|  | (In Thousands) |
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk-Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 439,587 |  |  |  | 19.45 | % |  | $ | 180,839 |  |  |  | 8.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 421,661 |  |  |  | 18.69 | % |  | $ | 180,515 |  |  |  | 8.00 | % |  | $ | 225,644 |  |  |  | 10.00 | %
Tier 1 Capital (to Risk-Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 410,825 |  |  |  | 18.17 | % |  | $ | 90,419 |  |  |  | 4.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 393,015 |  |  |  | 17.42 | % |  | $ | 90,257 |  |  |  | 4.00 | % |  | $ | 135,386 |  |  |  | 6.00 | %
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 410,825 |  |  |  | 14.68 | % |  | $ | 111,968 |  |  |  | 4.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 393,015 |  |  |  | 14.07 | % |  | $ | 111,758 |  |  |  | 4.00 | % |  | $ | 139,698 |  |  |  | 5.00 | %
March 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk-Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 394,973 |  |  |  | 18.74 | % |  | $ | 168,569 |  |  |  | 8.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 373,171 |  |  |  | 17.74 | % |  | $ | 168,325 |  |  |  | 8.00 | % |  | $ | 210,406 |  |  |  | 10.00 | %
Tier 1 Capital (to Risk-Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 367,927 |  |  |  | 17.46 | % |  | $ | 84,284 |  |  |  | 4.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 346,154 |  |  |  | 16.45 | % |  | $ | 84,162 |  |  |  | 4.00 | % |  | $ | 126,243 |  |  |  | 6.00 | %
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial |  | $ | 367,927 |  |  |  | 13.44 | % |  | $ | 109,456 |  |  |  | 4.00 | % |  |  | N/A |  |  |  | N/A |
Hanmi Bank |  | $ | 346,154 |  |  |  | 12.67 | % |  | $ | 109,247 |  |  |  | 4.00 | % |  | $ | 136,559 |  |  |  | 5.00 | %
Federal Reserve Notices of Proposed Rulemaking On June 7, 2012, the Board of Governors of the Federal Reserve System approved for publication in the Federal Register three related notices of proposed rulemaking (collectively, the “Notices”) relating to the implementation of revised capital rules to reflect the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 as well as the Basel III international capital standards. Among other things, if adopted as proposed, the Notices would establish a new capital standard consisting of common equity Tier 1 capital; increase the capital ratios required for certain existing capital categories and add a requirement for a capital conservation buffer (failure to meet these standards would result in limitations on capital distributions as well as executive bonuses); and add more conservative standards for including securities in regulatory capital, which would phase-out trust preferred securities as a component of Tier 1 capital. In addition, the Notices contemplate the deduction of certain assets from regulatory capital and revisions to the methodologies for determining risk weighted assets, including applying a more risk-sensitive treatment to residential mortgage exposures and to past due or non-accrual loans. The Notices provide for various phase-in periods over the next several years. Hanmi Financial and the Bank will be subject to many provisions in the Notices, but until final regulations are issued pursuant to the Notices, Hanmi Financial cannot predict the actual effect of the Notices.

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