<SEC-DOCUMENT>0001171843-16-009239.txt : 20160419
<SEC-HEADER>0001171843-16-009239.hdr.sgml : 20160419
<ACCEPTANCE-DATETIME>20160419090101
ACCESSION NUMBER:		0001171843-16-009239
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160419
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160419
DATE AS OF CHANGE:		20160419

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HANMI FINANCIAL CORP
		CENTRAL INDEX KEY:			0001109242
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				954788120
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30421
		FILM NUMBER:		161578062

	BUSINESS ADDRESS:	
		STREET 1:		3660 WILSHIRE BLVD SUITE PH-A
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90010
		BUSINESS PHONE:		2133822200
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_041916.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html><head></head><body style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;">&#160;</div></div><p style="font-size: 14pt;" align="center"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549<br></strong>______________________</p><p style="font-size: 14pt; text-transform: uppercase;" align="center"><strong>Form 8-K<br></strong>______________________</p><p style="font-size: 12pt;" align="center"><strong>CURRENT REPORT</strong></p><p style="font-size: 12pt;" align="center"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></p><p align="center">Date of Report (Date of earliest event Reported): <!--April 19, 2016-->April 19, 2016 &#160;</p><p align="center"><strong style="font-size: 14pt;">HANMI FINANCIAL CORPORATION</strong><br>(Exact Name of Registrant as Specified in Charter)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><strong>DELAWARE </strong></td><td align="center" width="34%"><strong>000-30421</strong></td><td align="center" width="33%"><strong>95-4788120</strong></td></tr><tr valign="top"><td align="center" width="33%">(State or Other Jurisdiction of Incorporation)</td><td align="center" width="34%">(Commission File Number)</td><td align="center" width="33%">(I.R.S. Employer Identification Number)</td></tr></table><p>&#160;</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><strong>3660 Wilshire Boulevard, Penthouse Suite A, Los Angeles, California 90010<!--UNITED STATES --></strong></td></tr><tr valign="top"><td align="center" width="50%">(Address of Principal Executive Offices) (Zip Code)</td></tr></table><p align="center"><strong>(213) 382-2200</strong><br>(Registrant's telephone number, including area code)</p><p align="center"><strong>Not Applicable</strong><br>(Former name or former address, if changed since last report)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br><br></td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;">&#160;</div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p>  <strong> &#160;</strong></p><p><strong>Item 2.02. Results of Operations and Financial Condition.</strong></p><p><p>This information set forth under &#8220;Item 2.02. Results of Operations and Financial Condition,&#8221; including Exhibit 99.1 attached hereto, shall not be deemed &#8220;filed&#8221; for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;) or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing.</p><p>On April 19, 2016, Hanmi Financial Corporation (&#8220;Hanmi Financial&#8221;) issued a press release announcing its financial results for the quarter ended March 31, 2016. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K.</p></p><p><strong> &#160;</strong></p><p><strong>Item 9.01. Financial Statements and Exhibits.</strong></p><p><p>(d) Exhibits</p><p>99.1 &#160; &#160;Press release issued by Hanmi Financial dated April 19, 2016.&#160;</p><p><strong>Forward-Looking Statements</strong>&#160;</p><p>This report contains forward-looking statements, which are included in accordance with the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. In some cases, you can identify forward-looking statements by terminology such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;expects,&#8221; &#8220;plans,&#8221; &#8220;intends,&#8221; &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;predicts,&#8221; &#8220;potential,&#8221; or &#8220;continue,&#8221; or the negative of such terms and other comparable terminology. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. All statements other than statements of historical fact are &#8220;forward&#8211;looking statements&#8221; for purposes of federal and state securities laws, including, but not limited to, statements about anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital plans, strategic alternatives for a possible business combination, merger or sale transaction, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statement. These factors include the following: failure to maintain adequate levels of capital and liquidity to support our operations; the effect of potential future supervisory action against us or Hanmi Bank; general economic and business conditions internationally, nationally and in those areas in which we operate; volatility and deterioration in the credit and equity markets; changes in consumer spending, borrowing and savings habits; availability of capital from private and government sources; demographic changes; competition for loans and deposits and failure to attract or retain loans and deposits; fluctuations in interest rates and a decline in the level of our interest rate spread; risks of natural disasters related to our real estate portfolio; risks associated with Small Business Administration loans; failure to attract or retain key employees; changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums; ability of Hanmi Bank to make distributions to Hanmi Financial, which is restricted by certain factors, including Hanmi Bank&#8217;s retained earnings, net income, prior distributions made, and certain other financial tests; ability to identify a suitable strategic partner or to consummate a strategic transaction; adequacy of our allowance for loan losses; credit quality and the effect of credit quality on our provision for loan losses and allowance for loan losses; changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements; our ability to control expenses; and changes in securities markets. In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2015, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.</p></p><p><p> &#160;</p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><strong>SIGNATURE</strong></p><p>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%">&#160;</td><td style="font-size: 12pt;" colspan="2" valign="top"><strong>HANMI FINANCIAL CORPORATION</strong></td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">Date:&#160;April 19, 2016</td><td width="2%">By:&#160;</td><td style="text-decoration: underline;" width="49%">/s/ C. G. Kum&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Name: C. G. Kum</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Title: President and Chief Executive Officer</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%"></td></tr></table><p> <p><br></p>  <p align="center"><strong>EXHIBIT INDEX</strong>&#160;</p> <table style="border-collapse: collapse; "><tr><td style="vertical-align: bottom ; "><strong><u>Exhibit No.</u></strong></td><td style="">&#160;</td><td style="vertical-align: bottom ; "><strong><u>Description</u></strong></td></tr><tr><td style="">&#160;</td><td style="">&#160;</td><td style="">&#160;</td></tr><tr><td style="">99.1</td><td style="">&#160;</td><td style="">Press release, dated April 19, 2016.*</td></tr></table> <p>* Deemed &#8220;furnished&#8221; and not &#8220;filed&#8221; for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing.</p> </p></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>Hanmi&#160;Reports&#160;34%&#160;Year-over-Year&#160;Increase&#160;in&#160;Net&#160;Income&#160;for&#160;First&#160;Quarter&#160;2016</strong></p><p style="text-align: center;"><p> <p align="left"><strong>2016 First Quarter Highlights: &#160; &#160; &#160; &#160;</strong><br></p>  <ul type="disc"><li>Net income of $14.8 million or $0.46 per diluted share, up 34% from a year ago</li><li>Loans receivable of $3.3 billion, up 4% quarter-over-quarter and 17% year-over-year</li><li>Noninterest expenses fell 17% from the same period last year</li><li>Noninterest-bearing deposits up 10% from a year ago</li><li>Net interest margin of 3.98%, up 40 basis points from the same period last year after excluding acquisition accounting</li></ul>  <p align="justify">LOS ANGELES, April  19, 2016  (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ:HAFC) (or &#8220;Hanmi&#8221;), the holding company for Hanmi Bank (the &#8220;Bank&#8221;), today reported first quarter net income of $14.8 million, or $0.46 per diluted share, unchanged compared with the prior quarter and up 33.9% from $11.1 million, or $0.35 per diluted share, for the first quarter of 2015.</p>  <p align="justify">Mr. C. 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For the prior quarter, the negative provision for loan losses was $3.8 million, which also included a $2.3 million provision for losses on PCI loans.&#160; For the year ago period, Hanmi recorded a negative provision for loan losses of $1.7 million which included $0.4 million of provision for losses on PCI loans.<br></p>  <p align="justify">First quarter noninterest income decreased $5.1 million or 42.3% to $7.0 million from $12.1 million for the fourth quarter of 2015 primarily due to a $3.0 million decrease in gain on sales of SBA loans, a $1.5 million decrease in disposition gains on PCI loans and a $0.5 million decrease in gain on sales of securities. Gains on sales of SBA loans were $0.9 million for the first quarter 2016, compared with $3.9 million for the fourth quarter of 2015 and $1.7 million for the year-ago period as the volume of SBA loans sold declined to $12.4 million from $29.3 million for the preceding quarter and $19.9 million for the same quarter last year. Disposition gains on PCI loans were $0.7 million for the first quarter of 2016, compared with $2.1 million for the prior quarter, and $1.2 million for the first quarter last year as PCI loans only declined $0.2 million for the first quarter of 2016, while they declined $5.1 million for the fourth quarter of 2015 and declined $3.4 million for the first quarter of 2015. There were no sales of securities in the first quarter of 2016, while securities transactions resulted in gains of $0.5 million for the fourth quarter of 2015 and $2.2 million for the first quarter last year.</p>  <p align="justify">Noninterest expense for the first quarter decreased $2.1 million, or 7.5%, to $26.1 million from $28.2 million for the fourth quarter primarily due to a $1.3 million reduction in SBA recourse allowance (recorded in other operating expenses), $0.8 million reduction in advertising and promotions and $0.5 million reduction in professional fees.&#160; Salaries and employee benefits were higher in the first quarter as compared with the fourth quarter as payroll taxes, vacation and other benefits began anew.</p>  <p align="justify">Noninterest expense decreased $5.3 million, or 17.0%, from $31.4 million for the first quarter last year primarily due to reductions in merger and integration costs, professional fees and data processing fees related to the August 2014 acquisition of Central Bancorp, Inc. (&#8220;CBI&#8221;), along with lower salaries and employee benefits and occupancy and equipment expense from the branch closure and consolidations completed in the third quarter last year. As a result of the decrease in noninterest expense, coupled with the improvements in revenue from the growth in earning assets, the efficiency ratio excluding merger and integration costs, improved to 57.25% in the first quarter from 61.65% in the year-ago period.</p>  <p align="justify">Hanmi recorded a provision for income taxes of $6.2 million for the first quarter of 2016, representing an effective tax of 29.5%, compared with $10.5 million or 41.4% for the preceding quarter and $7.5 million or 40.5% for the first quarter of 2015.&#160; Income tax expense for the first quarter of 2016 included a $1.8 million benefit arising from the finalization of the 2014 amended income tax returns.&#160; The effective tax rate for the first quarter of 2016 would have been 38.0% without this benefit.</p>  <p><strong>Financial Position</strong><br>Total assets were $4.31 billion at March 31, 2016, a 1.8% increase from $4.23 billion at December 31, 2015, and a 5.6% increase from $4.08 billion at March 31, 2015.&#160; The increases in total assets were primarily due to increases in loans receivable.</p>  <p align="justify">Loans receivable, before the allowance for loan losses, were $3.31 billion at March 31, 2016, up 3.9% from $3.18 billion at December 31, 2015, and up 17.2% from $2.82 billion at March 31, 2015. The increase in loans from the end of the 2015 first quarter reflects Hanmi&#8217;s strong loan production.&#160; Loans held for sale, representing the guaranteed portion of SBA loans, were $2.6 million at March 31, 2016, compared with $2.9 million at the end of the 2015 fourth quarter and $8.7 million at the end of the 2015 first quarter.&#160;</p>  <p align="justify">New loan production for the 2016 first quarter was $208.8 million, up 54.8% from $134.9 million for the first quarter last year and outpaced $59.9 million of loan payoffs.&#160; First quarter 2016 new loan production was comprised of $174.4 million of commercial real estate loans, $15.3 million of commercial and industrial loans, $17.6 million of SBA loans, and $1.5 million of consumer loans. For the 2015 fourth quarter, new loan production was $268.5 million while loan payoffs were $171.8 million. Loan purchases for the 2016 first quarter were $30.7 million, compared with $114.7 million in the fourth quarter of 2015. SBA loan sales for the 2016 first quarter were $12.4 million, compared with $29.3 million for the fourth quarter of 2015.</p>  <p align="justify">Deposits were $3.50 billion at the end of the 2016 first quarter, compared with $3.51 billion at the end of the preceding quarter and $3.55 billion at the end of the first quarter of 2015.&#160; The cost of deposits was 0.43% for the first quarter of 2016 compared with 0.45% for the fourth quarter of 2015 and 0.43% for the first quarter a year ago.</p>  <p align="justify">At March 31, 2016, stockholders&#8217; equity was $510.9 million, compared with $493.9 million and $467.5 million at December 31, 2015 and March 31, 2015, respectively.&#160; Tangible common stockholders&#8217; equity was $509.2 million, or 11.82% of tangible assets, compared with $492.2 million, or 11.63% of tangible assets, and $465.5 million, or 11.40%, of tangible assets at December 31, 2015 and March 31, 2015, respectively.&#160; Tangible book value per share was $15.79, up 2.6% from the preceding quarter and 8.3% from a year ago.&#160;</p>  <p align="justify">During the first quarter, Hanmi declared a cash dividend on its common stock of $0.14 per share, unchanged from the prior quarter and up 27% from a year ago.&#160; The dividend was paid on March 30, 2016, to stockholders of record as of the close of business on March 15, 2016.&#160;</p>  <p><strong>Asset Quality </strong><br>Nonperforming loans, excluding PCI loans, were $16.3 million or 0.50% of loans at the end of the first quarter of 2016, compared with $19.1 million or 0.60% of loans at the end of the fourth quarter of 2015 and $29.3 million, or 1.05% of loans at the end of the first quarter last year.</p>  <p align="justify">OREO was $9.4 million at the end of the first quarter of 2016, up from $8.5 million at the end of the prior quarter. The sequential quarter increase in OREO was due to the foreclosure of three individual loans.&#160; Classified loans were $32.3 million, or 0.98% of loans, at March 31, 2015, compared with $39.3 million, or 1.24% of loans, at December 31, 2015, and $56.1 million, or 1.99% of loans, a year ago.&#160; Nonperforming assets were $25.7 million at the end of the first quarter of 2016, or 0.60% of assets, compared with 0.65% of assets at the end of the prior quarter and 1.01% of assets at the end of the same quarter last year.</p>  <p align="justify">Gross charge-offs for the first quarter of 2016 were $636,000, compared with $529,000 for the preceding quarter and $86,000 for the same period a year ago. Recoveries of previously charged-off loans for the first quarter of 2016 were $252,000, compared with $937,000 for the preceding quarter and $2.0 million for the first quarter of 2015. As a result, there were net charge-offs of $384,000 for the first quarter of 2016, compared to net recoveries of $408,000 for the preceding quarter and net recoveries of $2.0 million for the year ago period.&#160;</p>  <p align="justify">The allowance for loan losses was $41.0 million as of March 31, 2016, generating an allowance of loan losses to loans receivable ratio of 1.24% compared with 1.35% as of December 31, 2015 and 1.88% as of March 31, 2015.</p>  <p><strong>Conference Call&#160;&#160;&#160;&#160;&#160;&#160;&#160; </strong><br>Management will host a conference call today, April 19, 2016 at 1:00 p.m. PT (4:00 p.m. ET) to discuss these results.&#160; This call will also be broadcast live via the internet.&#160; Investment professionals and all current and prospective stockholders are invited to access the live call by dialing 1-877-407-9039 before 1:00 p.m. PT, using access code HANMI.&#160; To listen to the call online, either live or archived, visit the Investor Relations page of Hanmi&#8217;s website at www.hanmi.com.</p>  <p><strong>About Hanmi Financial Corporation </strong><br>Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 42 full-service branches and 6 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.</p>  <p><strong>Forward-Looking Statements </strong><br>This press release contains forward-looking statements, which are included in accordance with the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. In some cases, you can identify forward-looking statements by terminology such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;expects,&#8221; &#8220;plans,&#8221; &#8220;intends,&#8221; &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;predicts,&#8221; &#8220;potential,&#8221; or &#8220;continue,&#8221; or the negative of such terms and other comparable terminology. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. All statements other than statements of historical fact are &#8220;forward&#8211;looking statements&#8221; for purposes of federal and state securities laws, including, but not limited to, statements about anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital plans, strategic alternatives for a possible business combination, merger or sale transaction, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statement. These factors include the following: failure to maintain adequate levels of capital and liquidity to support our operations; the effect of potential future supervisory action against us or Hanmi Bank; general economic and business conditions internationally, nationally and in those areas in which we operate; volatility and deterioration in the credit and equity markets; changes in consumer spending, borrowing and savings habits; availability of capital from private and government sources; demographic changes; competition for loans and deposits and failure to attract or retain loans and deposits; fluctuations in interest rates and a decline in the level of our interest rate spread; risks of natural disasters related to our real estate portfolio; risks associated with Small Business Administration loans; failure to attract or retain key employees; changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums; ability of Hanmi Bank to make distributions to Hanmi Financial, which is restricted by certain factors, including Hanmi Bank&#8217;s retained earnings, net income, prior distributions made, and certain other financial tests; ability to identify a suitable strategic partner or to consummate a strategic transaction; adequacy of our allowance for loan losses; credit quality and the effect of credit quality on our provision for loan losses and allowance for loan losses; changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements; our ability to control expenses; and changes in securities markets. In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2015, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. 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 vertical-align: bottom; vertical-align: bottom ; ">30,483</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">580</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">7.61</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; 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vertical-align: bottom ; ">1,158,077</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,079,239</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; 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padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; "><strong>Total liabilities and stockholders' equity</strong></td><td style="border-bottom: double black 3pt ; 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">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; "><strong>Net interest income</strong></td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>$</strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160; 39,081 </strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>$</strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160; 37,866 </strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>$</strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160; 37,468 </strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; "><strong>Cost of deposits</strong></td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>0.43</strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><strong>%</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>0.45</strong></td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; "><strong>%</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>0.43</strong></td><td style="border-bottom: double black 3pt ; 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">&#160;</td></tr></table> <p><br></p></p><p>Investor&#160;Contacts:<br>Romolo&#160;(Ron)&#160;Santarosa<br>Senior&#160;Executive&#160;Vice&#160;President&#160;&&#160;Chief&#160;Financial&#160;Officer<br>213-427-5636<br><br>Lasse&#160;Glassen<br>Investor&#160;Relations<br>Addo&#160;Communications<br>310-829-5400</p></body></html>
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