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Regulatory Matters | 6 Months Ended
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Jun. 30, 2015
Banking and Thrift [Abstract] |
Regulatory Matters | Regulatory Matters Risk-Based Capital In July 2013, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation approved the Basel III regulatory capital framework and related Dodd-Frank Wall Street Reform and Consumer Protection Act changes. The rules revise minimum capital requirements and adjust prompt corrective action thresholds. The rules also revise the regulatory capital elements, add a new common equity Tier I capital ratio, and increase the minimum Tier I capital ratio requirement. The revisions permit banking organizations to retain, through a one-time election, the existing treatment for accumulated other comprehensive income. Additionally, a new rule on the capital conservation buffer will be implemented beginning January 1, 2016. Under the final rules, institutions are subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if certain capital levels fall below newly required amounts. The rules became effective January 1, 2015 for smaller, non-complex banking organizations with full implementation of certain deductions and adjustments to regulatory capital through January 1, 2019. All prior period data is based on Basel I rules. The capital ratios of Hanmi Financial and the Bank as of June 30, 2015 and December 31, 2014 were as follows:
| Actual |  | Minimum Regulatory Requirement |  | Minimum to Be Categorized as “Well Capitalized”
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
| (in thousands)
June 30, 2015 |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 476,897 |  |  | 15.27 | % |  | $ | 249,810 |  |  | 8.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 474,037 |  |  | 15.20 | % |  | $ | 249,492 |  |  | 8.00 | % |  | $ | 311,866 |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 437,453 |  |  | 14.01 | % |  | $ | 187,357 |  |  | 6.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 434,642 |  |  | 13.94 | % |  | $ | 187,119 |  |  | 6.00 | % |  | $ | 249,492 |  |  | 8.00 | %
Common equity Tier 1 capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 437,453 |  |  | 14.01 | % |  | $ | 140,518 |  |  | 4.50 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 434,642 |  |  | 13.94 | % |  | $ | 140,340 |  |  | 4.50 | % |  | $ | 202,713 |  |  | 6.5 | %
Tier 1 capital (to average assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 437,453 |  |  | 11.05 | % |  | $ | 158,364 |  |  | 4.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 434,642 |  |  | 10.99 | % |  | $ | 158,157 |  |  | 4.00 | % |  | $ | 197,696 |  |  | 5.00 | %
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 493,598 |  |  | 15.89 | % |  | $ | 248,501 |  |  | 8.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 470,934 |  |  | 15.18 | % |  | $ | 248,157 |  |  | 8.00 | % |  | $ | 310,196 |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 454,582 |  |  | 14.63 | % |  | $ | 124,250 |  |  | 4.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 431,971 |  |  | 13.93 | % |  | $ | 124,078 |  |  | 4.00 | % |  | $ | 186,118 |  |  | 6.00 | %
Tier 1 capital (to average assets): |  |  |  |  |  |  |  |  |  |  |
Hanmi Financial | $ | 454,582 |  |  | 10.91 | % |  | $ | 166,600 |  |  | 4.00 | % |  | N/A |  |  | N/A |
Hanmi Bank | $ | 431,971 |  |  | 10.39 | % |  | $ | 166,332 |  |  | 4.00 | % |  | $ | 207,915 |  |  | 5.00 | %

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826 + Details
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