| Schedule of Regulatory Capital Amounts and Ratios |
The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital Requirement | | To Be Well Capitalized Under Prompt Corrective Provisions | ($ in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | December 31, 2018 | | | | | | | | | | | | | Pacific City Financial Corporation | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 210,871 |
| | 16.28 | % | | $ | 58,273 |
| | 4.5 | % | | N/A |
| | N/A |
| Total capital (to risk-weighted assets) | | 224,178 |
| | 17.31 | % | | 103,596 |
| | 8.0 | % | | N/A |
| | N/A |
| Tier 1 capital (to risk-weighted assets) | | 210,871 |
| | 16.28 | % | | 77,697 |
| | 6.0 | % | | N/A |
| | N/A |
| Tier 1 capital (to average assets) | | 210,871 |
| | 12.60 | % | | 66,930 |
| | 4.0 | % | | N/A |
| | N/A |
| Pacific City Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 209,587 |
| | 16.19 | % | | $ | 58,272 |
| | 4.5 | % | | $ | 84,171 |
| | 6.5 | % | Total capital (to risk-weighted assets) | | 222,894 |
| | 17.21 | % | | 103,594 |
| | 8.0 | % | | 129,493 |
| | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 209,587 |
| | 16.19 | % | | 77,696 |
| | 6.0 | % | | 103,594 |
| | 8.0 | % | Tier 1 capital (to average assets) | | 209,587 |
| | 12.53 | % | | 66,929 |
| | 4.0 | % | | 83,661 |
| | 5.0 | % | December 31, 2017 | | | | | | | | | | | | | Pacific City Financial Corporation | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 142,370 |
| | 12.15 | % | | $ | 52,730 |
| | 4.5 | % | | N/A |
| | N/A |
| Total capital (to risk-weighted assets) | | 154,715 |
| | 13.20 | % | | 93,766 |
| | 8.0 | % | | N/A |
| | N/A |
| Tier 1 capital (to risk-weighted assets) | | 142,370 |
| | 12.15 | % | | 70,306 |
| | 6.0 | % | | N/A |
| | N/A |
| Tier 1 capital (to average assets) | | 142,370 |
| | 10.01 | % | | 56,891 |
| | 4.0 | % | | N/A |
| | N/A |
| Pacific City Bank | | | | | | | | | | | | | Common tier 1 capital (to risk-weighted assets) | | $ | 141,361 |
| | 12.06 | % | | $ | 52,747 |
| | 4.5 | % | | $ | 76,189 |
| | 6.5 | % | Total capital (to risk-weighted assets) | | 153,705 |
| | 13.12 | % | | 93,723 |
| | 8.0 | % | | 117,153 |
| | 10.0 | % | Tier 1 capital (to risk-weighted assets) | | 141,361 |
| | 12.06 | % | | 70,329 |
| | 6.0 | % | | 93,772 |
| | 8.0 | % | Tier 1 capital (to average assets) | | 141,361 |
| | 9.94 | % | | 56,886 |
| | 4.0 | % | | 71,107 |
| | 5.0 | % | | | | | | | | | | | | | |
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