UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period From To Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction of In ...

Financial Data and Key Metrics - Net income for 2022 was a record $101.4 million, or $3.32 per diluted share [3] - Loans grew by 15.7% in 2022, driven by record new loan production of $2.1 billion [3] - Net interest income increased by 21.8% due to higher average earning assets and a 42 basis point increase in net interest margin to 3.50% [3] - Return on average shareholder equity was 14.83% for 2022 [4] - Deposits grew by 6.6% in 2022, with non-interest bearing deposits representing 41.2% of total deposits [9] - Nonperforming assets declined 29% to $10 million, or 0.14% of total deposits [10] - Efficiency ratio improved by 608 basis points to 47.93% in 2022 [9] Business Line Data and Key Metrics - Residential mortgage loan production reached a record $421 million, representing 20% of total loan production [5] - SBA loan production was $209 million for the year [12] - Corporate Korea initiative saw loan balances increase by $145 million (23%) and deposit balances grow by $230 million (59%) [13] - Commercial real estate and C&I loan production from outside California increased to nearly 12% of total production, up from 7% in 2021 [14] - Fourth quarter loan production was $474 million, with residential mortgage production at $107 million [17][18] - C&I funding was $138 million in Q4, with total commitments on commercial lines of credit reaching $1 billion [21] - Equipment finance production was $89 million in Q4, up from $86 million in Q3 [22] - SBA 7(a) loan production was $53 million in Q4 [22] Market Data and Key Metrics - Loan diversification strategies showed strong growth in Texas and the Eastern region [14] - Corporate Korea deposits grew to $575 million, representing 9% of total deposits [28] - Noninterest-bearing demand deposits remained strong at 41% of total deposits at year-end [28] Company Strategy and Industry Competition - The company focused on diversifying its loan portfolio, strengthening customer relationships, and expanding its customer base [11] - The Corporate Korea initiative continues to gain traction, contributing to loan and deposit growth [13] - The company remains cautious in its underwriting and credit administration practices, particularly in the commercial real estate market [44][83] Management Commentary on Operating Environment and Future Outlook - Management expects loan production to moderate in 2023 due to higher interest rates and economic uncertainty [44] - The company remains vigilant in managing operating expenses and improving asset quality [8] - Management anticipates continued success in the SBA market, with production expected to remain consistent at $45-50 million per quarter [63] Other Important Information - The company celebrated its 40th anniversary, highlighting its commitment to community banking and customer service [46] - The company increased its shareholder dividend twice in 2022, reflecting improved performance and strong capital ratios [4] Q&A Session Summary Question: Deposit rates and beta expectations - The cost of interest-bearing deposits in January was 70 basis points higher than the Q4 average, with uncertainty around future rate increases [53] - Noninterest-bearing deposits are expected to stabilize, with the company targeting corporate deposit accounts and the Corporate Korea initiative [56][57] Question: Loan growth and C&I production - C&I production in Q4 was driven by new commercial lines of credit to corporate customers across various industries [62] - The company expects loan growth to slow in 2023 due to higher interest rates [61] Question: SBA outlook and premiums - SBA production is expected to remain consistent at $45-50 million per quarter, with premiums holding around 6% [63] Question: Noninterest expense run rate - Noninterest expenses are expected to face inflationary pressure, particularly in wage inflation, starting in Q2 2023 [65] Question: Buyback activity - The company remains patient with capital allocation, given the uncertain interest rate and economic environment [67] Question: CD rates and loan-to-deposit ratio - The average rate on new CDs was 3.83%, with a term of 12 months [71] - The company expects to fund loan production through deposit growth, particularly from the Corporate Korea initiative and expansion outside California [72] Question: Margin outlook and headwinds - The company does not expect to be immune to margin headwinds in 2023, with potential for margin compression in Q1 and the first half of the year [75] Question: Credit quality and stress in loans - Loans 30-89 days past due increased by 52% in Q4, but the company has not identified significant stress points, particularly in the SBA portfolio [80][81] Question: Commercial real estate demand - Demand for commercial real estate loans has slowed, with the company being cautious in certain markets and property types, particularly office and retail properties [82][83] Question: Reserve levels and credit cycle - Reserve levels are expected to remain stable, with limited room for further releases in 2023 [86] Question: Occupancy and equipment expenses - Occupancy and equipment expenses are expected to return to previous levels, with a run rate similar to Q2 and Q3 2022 [87]

┣ Hanmi Financial Corporation 4Q22 Earnings Supplemental Presentation January 24, 2023 2 4Q22 Highlights Noninterest expense was $33.8 million, up 1.7% from the prior quarter • Deposits decreased by 0.5% from the prior quarter to $6.17 billion with noninterest-bearing demand deposits representing 41.2% of total deposits 4 San Francisco San Diego Forward-looking statements are based upon the good faith beliefs and expectations of management as of this date only and are further subject to additional risks and ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification No.) 900 Wilshire Boulevard, Suite 1250 Los Angeles, California 90017 (Address of Principal Executive Offices) (Zip Code) (213) 382-2200 ☐ TRA ...

Hanmi Financial Corporation (NASDAQ:HAFC) Q3 2022 Earnings Conference Call October 25, 2022 5:00 PM ET Company Participants Larry Clark - IR Bonita Lee - President and CEO Anthony Kim - Chief Banking Officer Romolo Santarosa - SEVP and CFO Conference Call Participants Matthew Clark - Piper Sandler Kelly Motta - KBW Gary Tenner - D.A. Davidson Timothy Coffey - Janney Operator Ladies and gentlemen, welcome to the Hanmi Financial Corporation's Third Quarter 2022 Conference Call. As a reminder, today's call is ...

┣ Hanmi Financial Corporation Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego 3Q22 Earnings Supplemental Presentation October 25, 2022 Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those sta ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Quarterly Period Ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Transition Period From To Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction of ...

Hanmi Financial Corporation (NASDAQ:HAFC) Q2 2022 Earnings Conference Call July 26, 2022 5:00 PM ET Company Participants Larry Clark - Investor Relations Bonnie Lee - President and Chief Executive Officer Anthony Kim - Chief Banking Officer Ron Santarosa - Chief Financial Officer Conference Call Participants Kelly Motta - KBW Matthew Clark - Piper Sandler Gary Tenner - D.A. Davidson Matthew Erdner - JonesTrading Operator Ladies and gentlemen, welcome to Hanmi Financial Corporation's Second Quarter 2022 Conf ...

┣ Hanmi Financial Corporation Los Angeles New York/ New Jersey Virginia Chicago Dallas Houston San Francisco San Diego 2Q22 Earnings Supplemental Presentation July 26, 2022 Forward-Looking Statements Hanmi Financial Corporation (the "Company") cautions investors that any statements contained herein that are not historical facts are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, those statem ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Quarterly Period Ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the Transition Period From To Commission File Number: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction of ...