<SEC-DOCUMENT>0001171843-17-000389.txt : 20170124
<SEC-HEADER>0001171843-17-000389.hdr.sgml : 20170124
<ACCEPTANCE-DATETIME>20170124090028
ACCESSION NUMBER:		0001171843-17-000389
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170124
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170124
DATE AS OF CHANGE:		20170124

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:		17542608

	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_012417.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><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%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549</strong><br>_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br>_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--January 24, 2017-->January 24, 2017 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>HANMI FINANCIAL CORPORATION</strong></font><br><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Delaware</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>000-30421</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>95-4788120</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. Employer Identification Number)</font></td></tr></table><p><font style="font-size: 10pt;">&#160;</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><font style="font-size: 10pt;"><strong>3660 Wilshire Boulevard, Penthouse Suite A, Los Angeles, California 90010</strong><!--UNITED STATES --></font></td></tr><tr valign="top"><td align="center" width="50%"><font style="font-size: 10pt;">(Address of Principal Executive Offices) (Zip Code)</font></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong>(213) 382-2200</strong><br>(Registrant's telephone number, including area code)</font></p><p align="center"><font style="font-size: 10pt;"><strong>Not Applicable</strong><br>(Former name or former address, if changed since last report)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="font-size: 10pt;">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></font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></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%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;"><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 January 24, 2017, Hanmi Financial Corporation (&#8220;Hanmi Financial&#8221;) issued a press release announcing its financial results for the quarter ended December 31, 2016. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K.</p></font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;"><table class="mce-item-table" style="font-size: 10pt;"><tr><td class="hugin">(d)</td><td class="hugin">Exhibits</td><td class="hugin">&#160;</td></tr><tr><td class="hugin">&#160;</td><td class="hugin">99.1</td><td class="hugin">Press release issued by Hanmi Financial dated January 24, 2017.</td></tr></table><p><strong>Forward-Looking Statements</strong></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></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">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.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>HANMI FINANCIAL CORPORATION</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: January 24, 2017</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ C. G. Kum&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">C. G. 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<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 Reports Strong Fourth Quarter and Full Year 2016 Results Driven by Growth in Loans Receivable</strong></p><p style="text-align: center;"><p> <p><strong>2016 Fourth Quarter and Full Year Highlights: &#160;&#160;</strong><br></p>  <ul type="disc"><li>Fourth quarter net income was $14.4 million or $0.45 per diluted share, up 9.9% or $0.04 per share from the prior quarter driven by the growth in net interest income and margin as well as the improvement in the efficiency ratio.</li><li>Net interest income for the fourth quarter increased 6.3% to $42.1 million and net interest margin expanded 10 basis points to 3.96% from the third quarter reflecting the recently completed acquisition and commencement of the Commercial Equipment Leasing division.</li><li>Efficiency ratio for the fourth quarter improved to 51.8% from 58.7% for the prior quarter; excluding merger and integration costs the fourth quarter efficiency ratio was 51.1%.</li><li>Full year net income was $56.5 million or $1.75 per diluted share, up 5.0% or $0.07 per share from last year reflecting an 8.2% growth in net interest income and a 6.2% decline in noninterest expense more than offsetting the decline in negative loan loss provision and PCI gains.</li><li>Loans receivable of $3.84 billion, up 8.2% from the third quarter and up 20.8% from a year ago driven by 2016 loan production of $869.4 million and the $228.2 million lease portfolio acquisition.</li><li>Deposits of $3.81 billion, up 1.0% from the prior quarter and up 8.5% from last year with money market and savings deposits growing $457.5 million and demand deposits representing 34.1% of total deposits.</li></ul>  <p align="left">LOS ANGELES, Jan.  24, 2017  (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ:HAFC) (or Hanmi), the parent company of Hanmi Bank (the Bank) today reported net income for the 2016 fourth quarter of $14.4 million or $0.45 per diluted share, compared with $13.1 million, or $0.41 per diluted share for the 2016 third quarter and $14.8 million, or $0.46 per diluted share for the 2015 fourth quarter.</p>  <p align="left">For the 2016 year, net income was $56.5 million or $1.75 per diluted share, compared with $53.8 million, or $1.68 per diluted share for 2015.</p>  <p align="left">Mr. C. 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vertical-align: bottom ; ">14,829</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">56,489</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">53,823</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Net income per diluted common share</td><td style="padding-right: 0 ; 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For the prior quarter, the negative provision for loan losses was $1.5 million. For the year ago period, Hanmi recorded a negative provision for loan losses of $3.8 million, which included a $2.3 million provision for losses on PCI loans.</p>  <p align="left">Hanmi recorded a negative loan loss provision of $4.3 million for the full year of 2016, which included a $0.7 million provision for losses on PCI loans, compared with a negative loan loss provision of $11.6 million for the full year of 2015, which included a $4.4 million provision for losses on PCI loans.</p>  <p align="left">Fourth quarter noninterest income decreased $0.6 million or 7.0% to $8.1 million from $8.7 million for the third quarter of 2016 primarily due to the $1.0 million third quarter gain from the sale of a branch facility (recorded in other income) offset by a $0.8 million increase in disposition gains on PCI loans. Noninterest income decreased $4.0 million or 33.1% to $8.1 million from $12.1 million for the year ago period primarily because of a $2.1 million decrease in gains on sale of SBA loans and a $0.6 million decrease in disposition gains on PCI loans. Disposition gains on PCI loans were $1.6 million for the fourth quarter of 2016, compared with $0.8 million for the prior quarter, and $2.1 million for the fourth quarter last year. PCI loans from the 2014 acquisition were $9.9 million at the end of 2016, down 51% from a year ago. Gains on sales of SBA loans were $1.8 million for the fourth quarter 2016, up from $1.6 million from the third quarter of 2016 as the volume of SBA loans sold increased to $27.8 million from $24.1 million for the preceding quarter.&#160; Gains on sales of SBA loans were $3.9 million for the fourth quarter of 2015 on $29.3 million of SBA loan sales.</p>  <p align="left">For the year ended 2016, noninterest income decreased $14.5 million, or 30.5%, to $33.1 million from $47.6 million for the same period last year primarily due to a $6.6 million reduction in gain on sale of securities, a $5.2 million decrease in disposition gains on PCI loans and a $2.7 million decrease in gain on sales of SBA loans. Sales of securities for the year ended 2016 were de minimis, while securities transactions resulted in gains of $6.6 million for the same period last year. Disposition gains on PCI loans were $5.0 million for the year ended 2016, compared with $10.2 million for the year ended 2015 as PCI loans from the 2014 acquisition decreased $10.2 million for the year ended 2016 and declined $24.5 million for the year ended 2015. Gains on sales of SBA loans were $6.0 million for the year ended 2016, compared with $8.7 million for the year ended 2015 as the volume of SBA loans sold decreased to $84.5 million from $89.1 million for the same period last year.</p>  <p align="left">Noninterest expense for the fourth quarter decreased $2.4 million, or 8.4%, to $26.0 million from $28.3 million primarily due to the $1.4 million third quarter expense related to the finalization of prior year FDIC loss share claims (recorded in other operating expense) and the $0.7 million change in OREO to a net credit for the period. Noninterest expense decreased $2.2 million, or 7.9%, from $28.2 million in the fourth quarter last year primarily due to positive period-over-period changes in the allowance for off-balance sheet items and the allowances related to acquired SBA loan servicing asset.&#160; As a result of the decrease in noninterest expense, coupled with the improvements in revenue from the growth in earning assets, the efficiency ratio improved to 51.8% in the fourth quarter from 58.7% in the prior quarter and 56.8% in the year-ago period.</p>  <p align="left">For the year ended 2016, noninterest expense decreased $7.1 million, or 6.2%, to $108.2 million from $115.3 million for the same period last year primarily due to reductions in merger and integration costs, professional fees and data processing fees related to the acquisition of CBI, and employee benefits and occupancy and equipment expense from the branch closure and consolidation completed in the third quarter last year. As a result of careful management of noninterest expense, coupled with the improvements in revenue from the growth in earning assets, the efficiency ratio improved to 56.0% for the year ended 2016 from 58.9% for the year ended 2015.</p>  <p align="left">Hanmi recorded a provision for income taxes of $9.6 million for the fourth quarter of 2016, representing an effective tax rate of 40.0%, compared with $8.2 million, representing an effective tax rate of 38.6%, for the preceding quarter and $10.5 million, representing an effective rate of 41.4% for the fourth quarter of 2015. For the full year ended December 31, 2016 and 2015, Hanmi recorded a provision for income taxes of $32.9 million and $38.2 million, respectively, representing effective tax rates of 36.8% and 41.5%, respectively.</p>  <p align="left"><strong>Financial Position</strong><br>Total assets were $4.70 billion at December 31, 2016, a 6.8% increase from $4.40 billion at September 30, 2016 and an increase of 11.0% from $4.23 billion at December 31, 2015. The increase in total assets was primarily due to an increase in loans receivable.</p>  <p align="left">Loans receivable, before the allowance for loan losses, were $3.84 billion at December 31, 2016, up 8.2% from $3.55 billion at September 30, 2016 and up 20.8% from $3.18 billion at December 31, 2015. The increase in loans from the end of the 2015 reflects Hanmi&#8217;s strong loan production throughout 2016 and the acquisition and commencement of the Commercial Equipment Leasing division in the 2016 fourth quarter. Loans held for sale, representing the guaranteed portion of SBA loans, were $9.3 million at December 31, 2016 compared with $6.4 million at the end of the 2016 third quarter and $2.9 million at the end of the 2015 fourth quarter.</p>  <p align="left">New loan production for the 2016 fourth quarter was $227.1 million while payoffs were $82.1 million compared with $268.5 million and $171.8 million for the fourth quarter last year. Fourth quarter 2016 new loan production was comprised of $144.2 million of commercial real estate loans, $13.9 million of commercial and industrial loans, $37.5 million of SBA loans, and $1.9 million of consumer loans and $29.6 million of commercial leases. For the 2016 third quarter, new loan production was $168.3 million while loan payoffs were $55.2 million. Loan purchases for the 2016 fourth quarter were $26.9 million, compared with $46.0 million in the third quarter of 2016. SBA loan sales for the 2016 fourth quarter were $27.8 million, compared with $24.1 million for the third quarter of 2016.</p>  <p align="left">Deposits were $3.81 billion at the end of the 2016 fourth quarter, compared with $3.77 billion at the end of the preceding quarter and $3.51 billion at the end of the fourth quarter of 2015. The cost of deposits was 0.50% for the fourth quarter of 2016 compared with 0.47% for the third quarter of 2016 and 0.45% for the fourth quarter a year ago.&#160; FHLB borrowings rose to $315.0 million at the end of December 31, 2016 in support of the leasing acquisition.&#160; Loan to deposits at December 31, 2016 was 100.9% compared with 94.2% at September 30, 2016 and 90.7% at December 31, 2015.</p>  <p align="left">At December 31, 2016, stockholders&#8217; equity was $531.0 million, compared with $531.2 million and $493.9 million at September 30, 2016 and December 31, 2015, respectively. Tangible common stockholders&#8217; equity was $518.1 million, or 11.05% of tangible assets, compared with $529.7 million, or 12.04% of tangible assets, and $492.2 million, or 11.63%, of tangible assets, at September 30, 2016 and December 31, 2015, respectively. Tangible book value per share was $16.03, down from $16.42 from the preceding quarter reflecting $11.5 million of intangible assets recognized in the leasing acquisition.&#160; Tangible book value per share was $15.39 at the end of 2015.</p>  <p align="left">During the quarter, Hanmi declared a cash dividend on its common stock for the 2016 fourth quarter of $0.19 per common share, in line from the prior quarter. The dividend was paid on November 23, 2016, to stockholders of record as of the close of business on November 8, 2016.</p>  <p align="left"><strong>Asset Quality </strong><br>Nonperforming loans, excluding PCI loans, were $11.4 million at the end of the fourth quarter of 2016, or 0.30% of loans, compared with $10.9 million at the end of the third quarter of 2016, or 0.31% of loans and $19.1 million, or 0.60% of loans at the end of the fourth quarter last year.</p>  <p align="left">OREO was $7.5 million at the end of the fourth quarter of 2016, down from $11.0 million at the end of the prior quarter. OREO primarily resulted from the 2014 third quarter CBI acquisition. Classified loans were $30.3 million, or 0.79% of loans, at December 31, 2016, compared with $36.9 million, or 1.04% of loans, at September 30, 2016 and $39.3 million, or 1.24% of loans, a year ago. Nonperforming assets were $18.9 million at the end of the fourth quarter of 2016, or 0.40% of assets, compared with 0.50% of assets at the end of the prior quarter and 0.65% of assets at the end of the same quarter last year.</p>  <p align="left">Gross charge-offs for the fourth quarter of 2016 were $7.3 million, compared with $116,000 for the preceding quarter and $529,000 for the same period a year ago. The fourth quarter included a charge-off of a $5.0 million PCI loan from the 2014 acquisition that had been substantially reserved for in prior periods. Recoveries of previously charged-off loans for the fourth quarter of 2016 were $625,000 compared with $831,000 for the preceding quarter and $937,000 for the fourth quarter of 2015. As a result, there were net charge-offs of $6.7 million for the fourth quarter of 2016, compared to net recoveries of $715,000 for the preceding quarter and net recoveries of $408,000 for the year ago period.</p>  <p align="left">The allowance for loan losses was $32.4 million as of December 31, 2016, generating an allowance of loan losses to loans receivable ratio of 0.84% compared with 1.10% as of September 30, 2016 and 1.35% as of December 31, 2015. Excluding loans acquired in 2014 and 2016, the allowance for loan losses to loans was approximately 0.90% at December 31, 2016 compared with 1.25% at December 31, 2015.</p>  <p align="left"><strong>Conference Call&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </strong><br>Management will host a conference call today, January 24, 2017 at 1:00 p.m. PT (4:00 p.m. ET) to discuss these results. This call will also be broadcast live via the internet. 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. To listen to the call online, either live or archived, visit the Investor Relations page of Hanmi&#8217;s website at <em>www.hanmi.com</em>.</p>  <p align="left"><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 41 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 <em>www.hanmi.com</em>.</p>  <p align="left"><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. We undertake no obligation to update such forward-looking statements except as required by law.</p>  <p><br></p> <table style="border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; "><tr><td colspan="18" style="vertical-align: bottom ; "><strong>Hanmi Financial Corporation and Subsidiaries</strong></td></tr><tr><td colspan="18" style="vertical-align: bottom ; "><strong>Consolidated Balance Sheets </strong><em>(Unaudited)</em></td></tr><tr><td colspan="18" style="vertical-align: bottom ; "><em>(In thousands)</em></td></tr><tr><td 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 style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; 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vertical-align: bottom ; ">8,068</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 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 ; ">8,674</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 style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-7.0</td><td style="padding-left: 0 ; text-align: left ; 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">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">9.4</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 ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,436</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1.3</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">683</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="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 ; ">821</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-16.8</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 ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">943</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-27.6</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Advertising and promotion</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 ; ">1,140</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="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 ; ">1,153</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-1.1</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 ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,342</td><td style="padding-left: 0 ; 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padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">73</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-1001.4</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 ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">(322</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 ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">12,900</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-11.8</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Trade finance and other service charges and fees</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 ; ">4,232</td><td style="padding-left: 0 ; text-align: left ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">-</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td 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></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Nonperforming Non-PCI loans</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 ; ">11,406</td><td style="padding-left: 0 ; 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vertical-align: bottom ; ">491,785</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" 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="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4,194</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.50</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Time deposits</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 ; 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">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" 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 ; 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 ; 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This non-GAAP measure is used by management in the analysis of Hanmi&#8217;s capital strength. Tangible equity is calculated by subtracting goodwill and other intangible assets from stockholders&#8217; equity. Banking and financial institution regulators also exclude goodwill and other intangible assets from stockholders&#8217; equity when assessing the capital adequacy of a financial institution. Management believes the presentation of this financial measure excluding the impact of these items provides useful supplemental information that is essential to a proper understanding of the capital strength of Hanmi. This disclosure should not be viewed as a substitution for results determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP performance measures that may be presented by other companies.</p>  <p align="left">The following table reconciles this non-GAAP performance measure to the GAAP performance measure for the periods indicated:</p> <table style="border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; "><tr><td colspan="12" style="vertical-align: bottom ; "><strong>Tangible Common Equity to Tangible Assets Ratio </strong><em>(Unaudited)</em></td></tr><tr><td colspan="12" style="vertical-align: bottom ; "><em>(In thousands, except share, per share data and ratios)</em></td></tr><tr><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; text-align: center ;  vertical-align: bottom; "><strong>December 31,</strong></td><td style="vertical-align: bottom ; text-align: center ;  vertical-align: bottom; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; text-align: center ;  vertical-align: bottom; "><strong>September 30,</strong></td><td style="vertical-align: bottom ; text-align: center ;  vertical-align: bottom; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; 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">15.39</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="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 ; ">&#160;</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="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 ; ">&#160;</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: center ; 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</SEC-DOCUMENT>
