Hanmi's Earnings Increased by 154% to $14.0 Million in the Fourth Quarter of 2012; Improvements in Loan Production, Asset

Hanmi's Earnings Increased by 154% to $14.0 Million in the Fourth Quarter of
2012; Improvements in Loan Production, Asset Quality and Operating Efficiency
Boost Earnings

LOS ANGELES, Jan. 24, 2013 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation
(Nasdaq:HAFC), the holding company for Hanmi Bank (the "Bank"), today reported
net income of $14.0 million, or $0.44 per diluted share, for the fourth
quarter of 2012, up 5.3% from $13.3 million, or $0.42 per diluted share, for
the third quarter of 2012, and more than double the earnings of $5.5 million,
or $0.22 per diluted share, for the fourth quarter of 2011. For the year ended
December 31, 2012, net income totaled $90.4 million, or $2.87 per diluted
share, compared to $28.1 million, or $1.38 per diluted share, for the year
ended December 31, 2011. Hanmi continued to benefit from a reversal of the
deferred tax asset ("DTA") valuation allowance, recording a $5.5 million gross
benefit which effectively offsets the tax obligation for the quarter. For the
full year, the reversal of the DTA valuation allowance contributed a net
benefit of $47.4 million, adding $1.50 per share to earnings on a fully taxed
basis. Tangible book value increased 3.9% to $11.97 per share at December 31,
2012, from $11.52 per share at September 30, 2012, and increased 32.7% from
$9.02 per share at December 31, 2011.

"During the fourth quarter of 2012, we celebrated two major milestones: the
Bank's thirty-year anniversary and the lifting of regulatory enforcement
actions by the Federal Reserve Bank of San Francisco and the California
Department of Financial Institutions. We are no longer constrained by any of
our former enforcement agreements, which allows us to focus on pursuing
important strategic options. Earlier this month, we announced that we are
exploring strategic alternatives for a possible business combination, merger
or sale transaction. This process reflects our proactive efforts to stay ahead
of the competition in an increasingly competitive market. We believe that
exploring strategic options is an important step necessary for our future.
However, there is no assurance that we will complete a strategic transaction."
said Jay S. Yoo, President and Chief Executive Officer.

Hanmi Financial Quarterly Financial                             
Highlights
(In Thousands, Except Per Share Data)                           
                                                               
                                      At or for the Three Months Ended
                                      December 31, September 30, December 31,
                                      2012         2012          2011
                                                               
Net Income                             $13,979    $13,279     $5,506
Net Income Per Diluted Common Share    $0.44      $0.42       $0.22
                                                               
Total Assets                           $2,882,520 $2,841,857  $2,744,824
Total Net Loans                        $1,986,051 $1,892,813  $1,849,020
Total Deposits                         $2,395,963 $2,363,385  $2,344,910
                                                               
Return on Average Assets               1.94%        1.87%         0.81%
Return on Average Stockholders' Equity 15.02%       14.97%        9.50%
Net Interest Margin                    3.86%        3.69%         3.66%
Efficiency Ratio                       57.66%       59.81%        69.03%
                                                               
Tangible Common Equity Per Common      $11.97     $11.52      $9.02
Share
                                                               
Non-Performing Assets                  $38,053    $45,056     $52,558
Non-Performing Assets to Total Assets  1.32%        1.59%         1.91%
Allowance for Loan Losses to Total     3.09%        3.38%         4.64%
Gross Loans
Allowance for Loan Losses to Total     169.81%      147.92%       171.71%
Non-Performing Loans
                                                               
Classified Assets                      $101,172   $131,233    $282,559
Classified Assets to Bank Tier 1       21.57%       28.60%        66.14%
Capital and ALLL
                                                               
Hanmi Financial Capital Ratios:                                 
                                                               
Total Risk-Based Capital Ratio         20.65%       20.79%        18.66%
Tier 1 Leverage Capital Ratio          14.95%       14.71%        13.34%
Tangible Equity to Tangible Assets     13.09%       12.77%        10.36%
Ratio

Financial Highlights (at or for the period ended December 31, 2012)

  *Net income for the fourth quarter of 2012 increased to $14.0 million, or
    $0.44 per diluted share, up 5.3% from $13.3 million, or $0.42 per diluted
    share, in the third quarter of 2012. For the year ended December 31, 2012,
    net income totaled $90.4 million, or $2.87 per diluted share, compared to
    $28.1 million, or $1.38 per diluted share, for the year ended December 31,
    2011. For the year ended December 31, 2012, the reversal of the DTA
    valuation allowance contributed a net of $47.4 million to net income and
    added $1.50 per share to earnings on a fully taxed basis.
  *Net interest margin ("NIM") improved to 3.86% in the fourth quarter of
    2012, up from 3.69% in the third quarter of 2012 and 3.66% in the fourth
    quarter of 2011. Yields on earning assets improved to 4.40% in the fourth
    quarter of 2012, up from 4.35% in the third quarter of 2012, but down from
    4.58% in the fourth quarter of 2011. For the year ended December 31, 2012,
    NIM improved to 3.77% from 3.68% for the year ended December 31, 2011.
    Cost of deposits continued to improve to 0.56% in the fourth quarter of
    2012, down from 0.61% in the third quarter of 2012 and 0.89% in the fourth
    quarter of 2011.
  *New loan production for the fourth quarter of 2012 totaled $208.6 million,
    consisting of $44.2 million of SBA 504 and 7(a) loans, $156.1 million of
    other commercial term loans, and $7.5 million of lines of credit
    disbursements. For the year ended December 31, 2012, total loan production
    was $694.2 million, consisting of $155.3 million of SBA 504 and 7(a)
    loans, $434.6 million of other commercial term loans, $20.6 million of
    lines of credit disbursements, and purchases of $67.6 million of single
    family residential mortgages in the first quarter of 2012 and $15.2
    million of commercial real estate loans in the second quarter of 2012.
  *Asset quality improved during the fourth quarter of 2012, as indicated by
    lower levels of non-performing assets ("NPAs"), delinquent loans, and net
    charge-offs.

    *The ratio of classified assets to the Bank's tier 1 capital plus the
      allowance for loan losses ("ALLL") dropped to 21.57% at December 31,
      2012, from 28.60% at September 30, 2012, and from 66.14% at December 31,
      2011. Classified assets at December 31, 2012 were $101.2 million
      compared to $131.2 million and $282.6 million at September 30, 2012 and
      December 31, 2011, respectively.
    *NPAs declined to $38.1 million, or 1.32% of total assets, at December
      31, 2012, from $45.1 million, or 1.59% of total assets, at September 30,
      2012, and from $52.6 million, or 1.91% of total assets, at December 31,
      2011.
    *Delinquent loans, which are 30 to 89 days past due and still accruing,
      totaled $2.4 million, or 0.12% of gross loans at December 31, 2012, down
      from $4.0 million, or 0.20% of gross loans at September 30, 2012, and
      down from $13.9 million, or 0.72% of gross loans, at December 31, 2011.
    *Total net charge-offs during the fourth quarter of 2012 were $3.2
      million, down from $5.9 million in the third quarter of 2012, and down
      from $15.1 million in the fourth quarter of 2011.
    *Classified loan inflows totaled $8.0 million for the fourth quarter of
      2012, down from $10.7 million during the third quarter of 2012. Outflows
      of classified loans totaled $38.4 million during the fourth quarter of
      2012, as compared to $22.5 million in the third quarter of 2012.

  *Operating efficiency improved to 57.66% during the fourth quarter of 2012
    from 59.81% during the third quarter of 2012, and from 69.03% during the
    fourth quarter of 2011, reflecting higher revenues and lower overall costs
    of operations. For the year ended December 31, 2012, the efficiency ratio
    improved to 61.07% from 67.22% for the year ended December 31, 2011.
  *The Bank's tangible common equity to tangible assets ratio at December 31,
    2012 was 15.29%, up from 14.96% at September 30, 2012, and up from 12.48%
    at December 31, 2011.
  *At the holding company level, the tangible common equity ratio was 13.09%
    and the tangible book value was $11.97 per share at December 31, 2012,
    representing increases from tangible common equity ratios of 12.77% and
    10.36% and tangible book values of $11.52 and $9.02 per share, at
    September 30, 2012 and December 31, 2011, respectively.

Capital Management

"Our capital position continues to be well above industry averages, with our
ratio of tangible equity to tangible assets at 13.09% at year end, compared to
an average of 8.16% for the SNL Bank and Thrift Index last quarter," said Mark
Yoon, Senior Vice President and Interim Chief Financial Officer.

                                      Three Months Ended
                                      December 31, September 30, December 31,
                                      2012         2012          2011
                                                               
Hanmi Financial                                                 
Total Risk-Based Capital Ratio         20.65%       20.79%        18.66%
Tier 1 Risk-Based Capital Ratio        19.37%       19.52%        17.36%
Tier 1 Leverage Capital Ratio          14.95%       14.71%        13.34%
Tangible Equity to Tangible Assets     13.09%       12.77%        10.36%
Ratio
                                                               
Hanmi Bank                                                      
Total Risk-Based Capital Ratio         19.85%       19.91%        17.57%
Tier 1 Risk-Based Capital Ratio        18.58%       18.63%        16.28%
Tier 1 Leverage Capital Ratio          14.33%       14.05%        12.50%
Tangible Equity to Tangible Assets     15.29%       14.96%        12.48%
Ratio

Results of Operations

Net interest income, before the provision for credit losses, totaled $26.4
million for the fourth quarter of 2012, up 6.1% from $24.9 million for the
third quarter of 2012, and up 8.2% from $24.4 million for the fourth quarter
of 2011. Interest and dividend income increased 2.5% from the third quarter of
2012 but decreased 1.6% from the fourth quarter of 2011, while interest
expense fell 17.3% and 40.3% compared to the third quarter of 2012 and the
fourth quarter of 2011, respectively. For the year ended December 31, 2012,
net interest income, before the provision for credit losses, totaled $101.1
million, down slightly from $101.2 million for the year ended December 31,
2011.

Yield on loans was 5.38% for the fourth quarter of 2012, down from 5.44% for
the third quarter of 2012, and down from 5.55% for the fourth quarter of 2011.
Yield on investment securities, accounting for 16.6% of current quarter
average earning assets, was 2.29% for the fourth quarter of 2012, up from
2.22% for the third quarter of 2012, and up from 2.00% for the fourth quarter
of 2011. For the year ended December 31, 2012, average yield on loans was
5.47%, down from 5.56% for the year ended December 31, 2011. The yields on
investment securities were the same 2.22% for both years ended December 31,
2012 and 2011.

Cost of interest-bearing liabilities continues to decline, reflecting the
improving mix of the deposit base. Cost of interest-bearing liabilities was
0.83% in the fourth quarter of 2012, down 18 basis points compared to the
third quarter of 2012, and down 53 basis points compared to the fourth quarter
of 2011. Cost of deposits was 0.56% for the fourth quarter of 2012, down from
0.61% for the third quarter of 2012, and down from 0.89% for the fourth
quarter of 2011. For the year ended December 31, 2012, cost of interest
bearing liabilities declined 34 basis points to 1.07% and cost of deposits
declined 32 basis points to 0.68%, compared to 1.41% and 1.00%, respectively,
for the year ended December 31, 2011.

Net interest margin improved to 3.86% in the fourth quarter of 2012, up 17
basis points compared to the third quarter of 2012, and up 20 basis points
compared to the fourth quarter of 2011. "With improvement in the production of
new loans, we are starting to grow our loan portfolio and deploy excess
liquidity into higher yielding assets," said Yoon.

With steadily improving asset quality, there was no provision for credit
losses in the third and fourth quarters of 2012, compared to $4.0 million in
the fourth quarter of 2011. For the year ended December 31, 2012, the
provision for credit losses was $6.0 million, down 50% from $12.1 million for
the year ended December 31, 2011. The total net charge offs for the fourth
quarter of 2012 was $3.2 million, down from $5.9 million in the third quarter
of 2012, and down from $15.1 million in the fourth quarter of 2011. The
allowance for loan losses decreased to $63.3 million, or 3.09% of total gross
loans.

Net interest income, after the provision for credit losses, totaled $26.4
million in the fourth quarter of 2012, up from $24.9 million in the third
quarter of 2012, and up from $20.4 million in the fourth quarter of 2011. For
the year ended December 31, 2012, net interest income, after the provision for
credit losses, totaled $95.1 million, up 6.7% from $89.1 million for the year
ended December 31, 2011.

Non-interest income in the fourth quarter of 2012 was $7.5 million, up from
$6.5 million in the third quarter of 2012 and $6.3 million in the fourth
quarter of 2011, due mainly to increases in service charges, insurance
commissions, trade finance and gain on sales of SBA loans, partially offset by
net losses recognized from selling non-performing loans. The Bank recognized a
$2.7 million gain on sales of SBA loans, and a $1.2 million net loss on sales
of other loans in the fourth quarter of 2012, compared to a $1.8 million gain
on sales of SBA loans and a $515,000 net loss on sales of other loans in the
third quarter of 2012. For the year ended December 31, 2012, non-interest
income totaled $24.8 million, compared to $23.9 million for the year ended
December 31, 2011, due primarily to a $5.4 million increase in gain on selling
SBA loans, mainly offset by a $3.5 million increase in net losses on selling
non-performing loans.

Non-interest expense in the fourth quarter of 2012 was $19.5 million, compared
to $18.8 million in the third quarter of 2012. The increase was due mainly to
increases in deposit insurance premiums and regulatory assessments,
professional fees, and advertising and promotion expenses, partially offset by
decreases in other operating expenses, other real estate owned ("OREO")
expenses, and supplies and communications expenses. The increase in deposit
insurance premiums and regulatory assessments in the fourth quarter of 2012
was attributable to a year-to-date true-up adjustment of $300,000. Assuming
the assessment factors remain constant, the quarterly assessment for 2013 is
expected to be approximately $1.0 million. Professional fees increased
$632,000, or 56.8%, in the fourth quarter of 2012, due mainly to additional
professional services related to exploring strategic alternatives. Advertising
and promotion expenses increased by $220,000, or 21.5%, in the fourth quarter
of 2012, due mainly to special promotions and events related to the
celebration of the Bank's 30^th anniversary.

Non-interest expense for the year ended December 31, 2012 decreased by $7.2
million, or 8.6%, to $76.9 million from $84.0 million for the year ended
December 31, 2011. The decrease was mainly due to a $2.2 million unconsummated
capital offering expense in 2011, and reductions in deposit insurance
premiums, loan and OREO related expenses, data processing, and D&O liability
insurance, partially offset by an increase in salaries and employee benefits
due mainly to increased incentive bonuses, an increase in professional fees
related to exploring strategic alternatives, and an increase in advertising
and promotion expenses related to the celebration of the Bank's 30^th
anniversary.

Hanmi released the remainder of the valuation allowance of $5.5 million for
its deferred tax asset in the fourth quarter of 2012, and had a $374,000
provision for income taxes, which represented a 2.6% effective tax rate for
the fourth quarter of 2012. "We have released a total of $62.6 million DTA
valuation allowance, bringing the total income tax benefit to $47.4 million
for the year ended December 31, 2012. In 2013, our effective tax rate is
expected to be approximately 39% of pre-tax income." said Yoon.

Balance Sheet

Total assets were $2.88 billion at December 31, 2012, up 1.4% from $2.84
billion at September 30, 2012, and up 5.0% from $2.74 billion at December 31,
2011.

Loans receivable, excluding loans held for sale, increased 4.9% in the fourth
quarter of 2012 and 7.4% year-over-year to $1.99 billion at December 31, 2012,
up from $1.89 billion at September 30, 2012, and up from $1.85 billion at
December 31, 2011. Loans held for sale totaled $8.3 million at December 31,
2012, down from $10.7 million at September 30, 2012, and down from $22.6
million at December 31, 2011. Average gross loans, net of deferred loan fees,
increased to $2.03 billion for the fourth quarter of 2012, up from $1.96
billion for the third quarter of 2012, and up from $2.01 billion for the
fourth quarter of 2011.

Liquidity remained high with the total average investment securities portfolio
at $421.5 million during the fourth quarter of 2012, up from $386.5 million
during the third quarter of 2012 and even with $421.4 million during the
fourth quarter of 2011. Cash and cash equivalents totaled $268.0 million at
December 31, 2012, down from $302.4 million at September 30, 2012, but up from
$201.7 million at December 31, 2011.

Average deposits for the fourth quarter of 2012 increased slightly to $2.39
billion, up from $2.36 billion for the third quarter of 2012, and up from
$2.35 billion for the fourth quarter of 2011. The overall mix of funding
continued to improve with time deposits (particularly high-cost promotional
accounts) declining and transaction account balances increasing. Core
deposits, which are total deposits less time deposits equal to or greater than
$100,000, accounted for 74.3% of total deposits at December 31, 2012, up from
64.9% of total deposits at December 31, 2011. Demand deposit accounts
increased 13.6% to $720.9 million at December 31, 2012 compared to $634.5
million at December 31, 2011. Demand deposit accounts accounted for 30.1% of
total deposits at December 31, 2012, up from 27.1% of total deposits at
December 31, 2011. Time deposits equal to or greater than $100,000 were down
$206.0 million in the past twelve months. Total deposits were $2.40 billion at
December 31, 2012 compared to $2.34 billion at December 31, 2011.

At December 31, 2012, total stockholders' equity was $378.4 million, or $12.01
per share. Tangible common stockholders' equity was $377.0 million at December
31, 2012, or 13.09% of tangible assets, compared to $362.6 million, or 12.77%
of tangible assets, and $284.1 million, or 10.36% of tangible assets at
September 31, 2012 and December 31, 2011, respectively. Tangible book value
per share was $11.97 at December 31, 2012, up 4.0% from $11.52 at September
30, 2012, and up 32.7% from $9.02 at December 31, 2011.

Asset Quality

Non-performing loans ("NPLs"), excluding loans held for sale, decreased to
$37.3 million at December 31, 2012, down 16.6% from $44.7 million at September
30, 2012, and down 28.8% from $52.4 million at December 31, 2011. Troubled
debt restructurings ("TDRs"), which are loans that have been modified through
interest rate concessions, term extensions or payment alterations to assist
the borrowers in financial difficulty, totaled $35.7 million at December 31,
2012, down from $38.0 million at September 30, 2012, and down from $51.6
million at December 31, 2011. Of these TDRs, $18.8 million are included in
NPLs. $484,000 of NPLs were recorded at the lower of cost or fair value and
classified as held for sale at December 31, 2012, compared to $4.4 million at
September 30, 2012 and $15.0 million at December 31, 2011. The following table
shows NPLs, excluding loans held for sale, by loan category:

                       December 31, 2012 September 30, 2012 December 31, 2011
                                 % to             % to              % to
                                   Total             Total              Total
                       Amount     NPL    Amount     NPL     Amount     NPL
Real Estate Loans:                                                 
Commercial Property                                                
Retail                  $1,079   2.9%   $1,102   2.5%    $1,260   2.4%
Land                    2,097     5.6%   2,037     4.6%    2,362     4.5%
Other                   --       0.0%   --       0.0%    1,199     2.3%
Construction            --       0.0%   7,868     17.6%   8,310     15.9%
Residential Property    1,270     3.4%   1,411     3.2%    2,097     4.0%
Commercial & Industrial                                            
Loans:
Commercial Term Loans                                              
Unsecured               8,311     22.3%  8,106     18.1%   7,706     14.7%
Secured by Real Estate  8,679     23.3%  8,418     18.8%   11,725    22.4%
Commercial Lines of     1,521     4.1%   1,359     3.0%    1,431     2.7%
Credit
SBA                     12,563    33.7%  13,048    29.2%   15,479    29.6%
Consumer Loans          1,759     4.7%   1,343     3.0%    809       1.5%
Total Non-Performing    $37,279  100.0% $44,692  100.0%  $52,378  100.0%
Loans

"In the fourth quarter of 2012, we continued to sell NPLs into the secondary
market, though not as actively as we have in the previous quarters. Fourth
quarter NPL sales totaled $8.2 million, bringing the year-end total NPL sales
to $42.3 million," said J.H. Son, Executive Vice President and Chief Credit
Officer. "While our strategy of selling loans before they are moved into
foreclosure has allowed us to efficiently reduce non-performing assets over
the past few years, we expect to have substantially fewer sales in the coming
year, which reflects the success of this program and the continuing
improvement in the performance of our loan portfolio. Reflecting the continued
improvement in asset quality, classified loans were $100.4 million, or 4.9% of
total gross loans, at December 31, 2012, down from $130.9 million, or 6.7% of
total gross loans, at September 31, 2012, and down from $282.4 million, or
14.6% of total gross loans, at December 31, 2011."

Delinquent loans that are less than 90 days past due and still accruing
interest decreased to $2.4 million at December 31, 2012, or 0.12% of gross
loans, down from $4.0 million, or 0.20% of gross loans, at September 30, 2012.
At December 31, 2012, the allowance for loan losses was $63.3 million, or
3.09% of gross loans. At December 31, 2012, the allowance for loan losses was
169.8% of NPLs, compared to 147.9% at September 30, 2012. For the fourth
quarter of 2012, net charge-offs were $3.2 million, compared to $5.9 million
in the third quarter of 2012 and $15.1 million in the fourth quarter of 2011.

Conference Call Information

Management will host a conference call today, January 24, 2013, at 1:30 p.m.
Pacific Time (4:30 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 on January 24,
2013 by dialing (480) 629-9692 at 1:30 p.m. Pacific Time, using access code
HANMI. To listen to the call online, either live or archived, visit the
Investor Relations page of Hanmi's website at www.hanmi.com.

About Hanmi Financial Corporation

Headquartered in Los Angeles, Hanmi Bank, a wholly-owned subsidiary of Hanmi
Financial Corporation, provides services to the multi-ethnic communities of
California, with 27 full-service offices in Los Angeles, Orange, San
Bernardino, San Francisco, Santa Clara and San Diego counties, and a loan
production office in Washington State. Hanmi Bank specializes in commercial,
SBA and trade finance lending, and is a recognized community leader. Hanmi
Bank's mission is to provide a full range of quality products and premier
services to its customers and to maximize stockholder value.

Forward-Looking Statements

This press release contains forward-looking statements, which are included in
accordance with the "safe harbor" provisions of the Private Securities
Litigation Reform Act of 1995. In some cases, you can identify forward-looking
statements by terminology such as "may," "will," "should," "could," "expects,"
"plans," "intends," "anticipates," "believes," "estimates," "predicts,"
"potential," or "continue," 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 "forward–looking statements" 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 regulatory orders we have entered into
and 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 to receive regulatory approval for Hanmi Bank to declare
dividends to Hanmi Financial; 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
credit 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 ("SEC"), including, in Item 1A of our
Form 10-K for the year ended December 31, 2011, our quarterly reports on Form
10-Q, and current and periodic reports that we will file with the SEC
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.

HANMI FINANCIAL CORPORATION AND                                    
SUBSIDIARIES
CONSOLIDATED
BALANCE SHEETS                                                    
(UNAUDITED)
(In Thousands)                                                    
                                                                 
                   December 31, September    Percentage December 31, Percentage
                                 30,
                   2012         2012         Change     2011         Change
ASSETS                                                            
Cash and Due From   $92,350    $72,053    28.2%      $80,582    14.6%
Banks
Interest-Bearing
Deposits in Other   175,697     217,375     -19.2%     101,101     73.8%
Banks
Federal Funds Sold  --         13,000      -100.0%    20,000      -100.0%
Cash and Cash       268,047     302,428     -11.4%     201,683     32.9%
Equivalents
Restricted Cash     5,350       4,393       21.8%      1,818       194.3%
Term Federal Funds  --         55,000      -100.0%    115,000     -100.0%
Sold
Securities
Available for Sale, 451,060     410,210     10.0%      381,862     18.1%
at Fair Value
Securities Held to
Maturity, at        --         --         NM         59,742      -100.0%
Amortized Cost
Loans Held for
Sale, at the Lower  8,306       10,736      -22.6%     22,587      -63.2%
of Cost or Fair
Value
Loans Receivable,
Net of Allowance    1,986,051   1,892,813   4.9%       1,849,020   7.4%
for Loan Losses
Accrued Interest    7,581       7,467       1.5%       7,829       -3.2%
Receivable
Premises and        15,150      15,412      -1.7%      16,603      -8.8%
Equipment, Net
Other Real Estate   774         364         112.6%     180         330.0%
Owned, Net
Customers'
Liability on        1,336       2,157       -38.1%     1,715       -22.1%
Acceptances
Servicing Assets    5,542       5,148       7.7%       3,720       49.0%
Other Intangible    1,335       1,376       -3.0%      1,533       -12.9%
Assets, Net
Investment in
Federal Home Loan   17,800      19,621      -9.3%      22,854      -22.1%
Bank Stock, at Cost
Investment in
Federal Reserve     12,222      10,261      19.1%      8,558       42.8%
Bank Stock, at Cost
Deferred Tax Assets 50,998      48,826      4.4%       --         NM
Current Tax Assets  9,030       11,689      -22.7%     9,073       -0.5%
Bank-Owned Life     29,054      28,816      0.8%       28,289      2.7%
Insurance
Prepaid Expenses    2,084       2,239       -6.9%      1,598       30.4%
Other Assets        10,800      12,901      -16.3%     11,160      -3.2%
TOTAL ASSETS        $2,882,520 $2,841,857 1.4%       $2,744,824 5.0%
                                                                 
LIABILITIES AND
STOCKHOLDERS'                                                     
EQUITY
LIABILITIES:                                                      
Deposits:                                                         
Noninterest-Bearing $720,931   $694,345   3.8%       $634,466   13.6%
Interest-Bearing    1,675,032   1,669,040   0.4%       1,710,444   -2.1%
Total Deposits      2,395,963   2,363,385   1.4%       2,344,910   2.2%
Accrued Interest    11,775      15,266      -22.9%     16,032      -26.6%
Payable
Bank's Liability on 1,336       2,157       -38.1%     1,715       -22.1%
Acceptances
Federal Home Loan   2,935       3,029       -3.1%      3,303       -11.1%
Bank Advances
Junior Subordinated 82,406      82,406      0.0%       82,406      0.0%
Debentures
Accrued Expenses
and Other           9,741       11,627      -16.2%     10,850      -10.2%
Liabilities
TOTAL LIABILITIES   2,504,156    2,477,870    1.1%       2,459,216   1.8%
                                                                 
STOCKHOLDERS'                                                     
EQUITY:
Common Stock        257         257         0.0%       257         0.0%
Additional Paid-In  550,140     549,814     0.1%       549,744     0.1%
Capital
Unearned            (74)        (92)        -19.6%     (166)       -55.4%
Compensation
Accumulated Other
Comprehensive       5,418       5,364       1.0%       3,524       53.7%
Income
Accumulated Deficit (107,519)   (121,498)   -11.5%     (197,893)   -45.7%
Less Treasury Stock (69,858)    (69,858)    0.0%       (69,858)    0.0%
TOTAL STOCKHOLDERS' 378,364     363,987     3.9%       285,608     32.5%
EQUITY
TOTAL LIABILITIES
AND STOCKHOLDERS'   $2,882,520 $2,841,857 1.4%       $2,744,824 5.0%
EQUITY
                                                                 

HANMI FINANCIAL CORPORATION AND                                  
SUBSIDIARIES
CONSOLIDATED STATEMENT OF                                        
OPERATIONS (UNAUDITED)
(In Thousands, Except                                           
Per Share Data)
                                                               
                       Three Months Ended
                       December   September  Percentage December   Percentage
                        31,        30,                   31,
                       2012       2012       Change     2011       Change
INTEREST AND DIVIDEND                                           
INCOME:
Interest and Fees on    $27,418  $26,781  2.4%       $28,162  -2.6%
Loans
Taxable Interest on     2,138     1,992     7.3%       1,979     8.0%
Investment Securities
Tax-Exempt Interest on  95        98        -3.1%      100       -5.0%
Investment Securities
Interest on Term        22        191       -88.5%     182       -87.9%
Federal Funds Sold
Interest on Federal     7         20        -65.0%     5         40.0%
Funds Sold
Interest on
Interest-Bearing        153       142       7.7%       72        112.5%
Deposits in Other Banks
Dividends on Federal    179       154       16.2%      121       47.9%
Reserve Bank Stock
Dividends on Federal    127       24        429.2%     19        568.4%
Home Loan Bank Stock
Total Interest and      30,139    29,402    2.5%       30,640    -1.6%
Dividend Income
INTEREST EXPENSE:                                               
Interest on Deposits    3,366     3,639     -7.5%      5,301     -36.5%
Interest on Federal     39        40        -2.5%      44        -11.4%
Home Loan Bank Advances
Interest on Junior      303       804       -62.3%     767       -60.5%
Subordinated Debentures
Interest on Other       --       --       NM         94        -100.0%
Borrowings
Total Interest Expense  3,708     4,483     -17.3%     6,206     -40.3%
NET INTEREST INCOME
BEFORE PROVISION FOR    26,431    24,919    6.1%       24,434    8.2%
CREDIT LOSSES
Provision for Credit    --       --       NM         4,000     -100.0%
Losses
NET INTEREST INCOME
AFTER PROVISION FOR     26,431    24,919    6.1%       20,434    29.3%
CREDIT LOSSES
NON-INTEREST INCOME:                                            
Service Charges on      3,191     2,851     11.9%      3,182     0.3%
Deposit Accounts
Insurance Commissions   1,235     1,092     13.1%      1,097     12.6%
Trade Finance & Other
Service Charges and     1,235     1,111     11.2%      1,191     3.7%
Fees
Bank-Owned Life         238       235       1.3%       239       -0.4%
Insurance Income
Net Gain on Sales of    2,678     1,772     51.1%      2,931     -8.6%
SBA Loans
Net Loss on Sales of    (1,247)   (515)     142.1%     (2,548)   -51.1%
Other Loans
Net Gain on Sales of    4         10        -60.0%     1         300.0%
Investment Securities
Other-than-temporary
Impairment Loss on      --       (176)     -100.0%    --       NM
Investment Securities
Other Operating Income  136       140       -2.9%      255       -46.7%
Total Non-Interest      7,470     6,520     14.6%      6,348     17.7%
Income
NON-INTEREST EXPENSE:                                           
Salaries and Employee   9,224     9,148     0.8%       9,433     -2.2%
Benefits
Occupancy and Equipment 2,585     2,623     -1.4%      2,533     2.1%
Deposit Insurance
Premiums and Regulatory 1,249     283       341.3%     1,631     -23.4%
Assessments
Data Processing         1,179     1,211     -2.6%      1,356     -13.1%
Other Real Estate Owned (33)      352       -109.4%    71        -146.5%
Expense
Professional Fees       1,744     1,112     56.8%      1,114     56.6%
Directors and Officers  298       296       0.7%       736       -59.5%
Liability Insurance
Supplies and            567       669       -15.2%     537       5.6%
Communications
Advertising and         1,243     1,023     21.5%      888       40.0%
Promotion
Loan-Related Expense    75        164       -54.3%     196       -61.7%
Amortization of Other   41        41        0.0%       131       -68.7%
Intangible Assets
Other Operating         1,376     1,882     -26.9%     2,623     -47.5%
Expenses
Total Non-Interest      19,548    18,804    4.0%       21,249    -8.0%
Expense
INCOME BEFORE PROVISION 14,353    12,635    13.6%      5,533     159.4%
FOR INCOME TAXES
(Benefit) Provision for 374       (644)     -158.1%    27        1285.2%
Income Taxes
NET INCOME             $13,979  $13,279  5.3%       $5,506   153.9%
                                                               
EARNINGS PER SHARE:                                             
Basic                   $0.44    $0.42              $0.22    
Diluted                 $0.44    $0.42              $0.22    
WEIGHTED-AVERAGE SHARES                                         
OUTSTANDING:
Basic                   31,479,921 31,475,976           24,905,479 
Diluted                 31,549,580 31,545,111           24,924,935 
COMMON SHARES           31,496,540 31,489,201           31,489,201 
OUTSTANDING
                                                               

HANMI FINANCIAL CORPORATION AND SUBSIDIARIES                       
CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)                   
(In Thousands, Except Per Share Data)                             
                                                                 
                                         Year Ended
                                         December 31, December 31, Percentage
                                         2012         2011         Change
INTEREST AND DIVIDEND INCOME:                                     
Interest and Fees on Loans                $108,982   $117,671   -7.4%
Taxable Interest on Investment Securities 8,418       9,768       -13.8%
Tax-Exempt Interest on Investment         394         216         82.4%
Securities
Interest on Term Federal Funds Sold       706         276         155.8%
Interest on Federal Funds Sold           60          27          122.2%
Interest on Interest-Bearing Deposits in  422         315         34.0%
Other Banks
Dividends on Federal Reserve Bank Stock   609         458         33.0%
Dividends on Federal Home Loan Bank Stock 209         76          175.0%
Total Interest and Dividend Income        119,800     128,807     -7.0%
INTEREST EXPENSE:                                                 
Interest on Deposits                      15,877      23,958      -33.7%
Interest on Federal Home Loan Bank        165         662         -75.1%
Advances
Interest on Junior Subordinated           2,703       2,915       -7.3%
Debentures
Interest on Other Borrowings              --         95          -100.0%
Total Interest Expense                    18,745      27,630      -32.2%
NET INTEREST INCOME BEFORE PROVISION FOR  101,055     101,177     -0.1%
CREDIT LOSSES
Provision for Credit Losses               6,000       12,100      -50.4%
NET INTEREST INCOME AFTER PROVISION FOR   95,055      89,077      6.7%
CREDIT LOSSES
NON-INTEREST INCOME:                                              
Service Charges on Deposit Accounts       12,146      12,826      -5.3%
Insurance Commissions                     4,857       4,500       7.9%
Trade Finance & Other Service Charges and 4,615       4,677       -1.3%
Fees
Bank-Owned Life Insurance Income          1,110       939         18.2%
Net Gain on Sales of SBA Loans            9,923       4,543       118.4%
Net Loss on Sales of Other Loans          (9,481)     (6,020)     57.5%
Net Gain on Sales of Investment           1,396       1,635       -14.6%
Securities
Other-than-temporary Impairment Loss on   (292)       --         NM
Investment Securities
Other Operating Income                    538         751         -28.4%
Total Non-Interest Income                 24,812      23,851      4.0%
NON-INTEREST EXPENSE:                                             
Salaries and Employee Benefits            36,931      35,465      4.1%
Occupancy and Equipment                   10,424      10,353      0.7%
Deposit Insurance Premiums and Regulatory 4,431       6,630       -33.2%
Assessments
Data Processing                           4,941       5,601       -11.8%
Other Real Estate Owned Expense           344         1,620       -78.8%
Professional Fees                         4,694       4,187       12.1%
Directors and Officers Liability          1,186       2,940       -59.7%
Insurance
Supplies and Communications               2,370       2,323       2.0%
Advertising and Promotion                 3,876       2,993       29.5%
Loan-Related Expense                      527         827         -36.3%
Amortization of Other Intangible Assets   198         700         -71.7%
Expense related to Unconsummated Capital  --         2,220       -100.0%
Offerings
Other Operating Expenses                  6,939       8,189       -15.3%
Total Non-Interest Expense                76,861      84,048      -8.6%
INCOME BEFORE PROVISION FOR INCOME TAXES  43,006      28,880      48.9%
(Benefit) Provision for Income Taxes      (47,368)    733         -6562.2%
NET INCOME                               $90,374    $28,147    221.1%
                                                                 
EARNINGS PER SHARE:                                               
Basic                                     $2.87      $1.38      
Diluted                                   $2.87      $1.38      
WEIGHTED-AVERAGE SHARES OUTSTANDING:                              
Basic                                     31,475,510  20,403,549  
Diluted                                   31,515,582  20,422,984  
COMMON SHARES OUTSTANDING                 31,496,540  31,489,201  
                                                                 

HANMI FINANCIAL CORPORATION AND                                
SUBSIDIARIES
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME                             
(UNAUDITED)
(In Thousands)                                                
                                                             
                         Three Months Ended
                         December  September Percentage December Percentage
                          31,       30,                  31,
                         2012      2012      Change     2011     Change
                                                             
NET INCOME               $13,979 $13,279 5.3%       $5,506 153.9%
                                                             
OTHER COMPREHENSIVE                                           
INCOME, NET OF TAX
Unrealized Gain on                                            
Securities
Unrealized Holding Gain
Arising (Decreasing)      121      1,655    -92.7%     (382)   131.7%
During Period
Unrealized Holding Gain
Arising from the transfer
of Held-to-Maturity       --      1,968    -100.0%    --     NM
Securities to
Available-for-Sale
Securities
Less: Reclassification
Adjustment for Loss       (4)      166      -102.4%    (1)     300.0%
(Gain) Included in Net
Income
Unrealized Gain on        --      --      NM         (1)     -100.0%
Interest Rate Swap
Unrealized Gain (Loss) on
Interest-Only Strip of    --      2        -100.0%    6       -100.0%
Servicing Assets
Income Taxes Related to
Items of Other            (63)     (1,581)  -96.0%     --     NM
Comprehensive Income
Other Comprehensive       54       2,210    -97.6%     (378)   -114.3%
Income
COMPREHENSIVE INCOME
ATTRIBUTABLE TO           $14,033 $15,489 -9.4%      $5,128 173.7%
SHAREHOLDERS
                                                             
                                                             
                         Year Ended                             
                         December  December Percentage         
                          31,       31,
                         2012      2011      Change             
                                                             
NET INCOME               $90,374 $28,147 221.1%             
                                                             
OTHER COMPREHENSIVE                                           
INCOME, NET OF TAX
Unrealized Gain on                                            
Securities
Unrealized Holding Gain   2,369    8,123    -70.8%             
Arising During Period
Unrealized Holding Gain
Arising from the transfer
of Held-to-Maturity       1,968    --      NM                
Securities to
Available-for-Sale
Securities
Less: Reclassification
Adjustment for (Gain)     (1,104)  (1,635)  -32.5%             
Included in Net Income
Unrealized Gain on        9        2        350.0%             
Interest Rate Swap
Unrealized Gain (Loss) on
Interest-Only Strip of    (4)      (2)      100.0%             
Servicing Assets
Income Taxes Related to
Items of Other            (1,344)  --      NM                
Comprehensive Income
Other Comprehensive       1,894    6,488    -70.8%             
Income
COMPREHENSIVE INCOME
ATTRIBUTABLE TO           $92,268 $34,635 166.4%            
SHAREHOLDERS
                                                             

HANMI FINANCIAL CORPORATION                                       
AND SUBSIDIARIES
SELECTED
FINANCIAL DATA                                                   
(UNAUDITED)
(In Thousands)                                                   
                                                                
                Three Months Ended                     Twelve Months Ended
                December 31, September    December 31, December 31, December 31,
                              30,
                2012         2012         2011         2012         2011
AVERAGE                                                          
BALANCES:
Average Gross
Loans, Net of    $2,026,122 $1,958,819 $2,012,008 $1,993,367 $2,114,546
Deferred Loan
Fees ^(1)
Average
Investment       $421,520   $386,513   $421,386   $412,554   $446,198
Securities
Average
Interest-Earning $2,731,473 $2,694,571 $2,656,213 $2,686,425 $2,752,696
Assets
Average Total    $2,872,897 $2,829,778 $2,708,364 $2,792,352 $2,787,707
Assets
Average Deposits $2,388,725 $2,361,534 $2,350,558 $2,349,082 $2,404,655
Average          $85,390    $85,482    $99,545    $85,760    $153,148
Borrowings
Average
Interest-Bearing $1,767,640 $1,766,709 $1,814,548 $1,758,135 $1,957,077
Liabilities
Average
Stockholders'    $370,307   $352,980   $229,868   $328,016   $200,517
Equity
Average Tangible $368,945   $351,577   $228,116   $326,589   $198,626
Equity
                                                                
PERFORMANCE                                                      
RATIOS:
Return on
Average Assets ^ 1.94%        1.87%        0.81%        3.24%        1.01%
(2)
Return on
Average          15.02%       14.97%       9.50%        27.55%       14.04%
Stockholders'
Equity ^(2)
Return on
Average Tangible 15.07%       15.03%       9.58%        27.67%       14.17%
Equity ^(2)
Efficiency Ratio 57.66%       59.81%       69.03%       61.07%       67.22%
Net Interest     3.57%        3.34%        3.22%        3.40%        3.27%
Spread ^(2),(3)
Net Interest     3.86%        3.69%        3.66%        3.77%        3.68%
Margin ^ (2),(3)
                                                                
ALLOWANCE FOR                                                    
LOAN LOSSES:
Balance at
Beginning of     $66,107    $71,893    $100,792   $89,936    $146,059
Period
Provision
Charged to       407         117         4,241       7,157       12,536
Operating
Expense
Charge-Offs, Net (3,209)     (5,903)     (15,097)    (33,788)    (68,659)
of Recoveries
Balance at End   $63,305    $66,107    $89,936    $63,305    $89,936
of Period
                                                                
ASSET QUALITY                                                    
RATIOS:
Net Loan
Charge-Offs to   0.63%        1.21%        3.00%        1.70%        3.25%
Average Gross
Loans
Allowance for
Loan Losses to   3.09%        3.38%        4.64%        3.09%        4.64%
Total Gross
Loans
Allowance for
Loan Losses to
Total            169.81%      147.92%      171.71%      169.81%      171.71%
Non-Performing
Loans
Non-Performing
Assets to Total  1.32%        1.59%        1.91%        1.32%        1.91%
Assets
Non-Performing
Loans to Gross   1.82%        2.28%        2.70%        1.82%        2.70%
Loans
Total
Non-Performing
Assets to        60.11%       68.16%       58.44%       60.11%       58.44%
Allowance for
Loan Losses
                                                                
ALLOWANCE FOR
OFF-BALANCE                                                      
SHEET ITEMS:
Balance at
Beginning of     $2,231     $2,348     $3,222     $2,981     $3,417
Period
Provision
Charged to       (407)       (117)       (241)       (1,157)     (436)
Operating
Expense
Balance at End   $1,824     $2,231     $2,981     $1,824     $2,981
of Period
                                                                
NON-PERFORMING                                                   
ASSETS:
Non-Accrual      $37,279    $44,692    $52,378                
Loans
Loans 90 Days or
More Past Due    --         --         --                     
and Still
Accruing
Total
Non-Performing   37,279      44,692      52,378                  
Loans
Other Real
Estate Owned,    774         364         180                     
Net
Total
Non-Performing   38,053      45,056      52,558                  
Assets
Non-Performing
Loans Classified 484         4,421       15,023                  
as Loans Held
for Sale
Non-Performing
Assets           $38,537    $49,477    $67,581                
(including Loans
Held for Sale)
                                                                
DELINQUENT LOANS
(30 to 89 Days   $2,371     $4,005     $13,945                
Past Due and
Still Accruing)
Delinquent Loans
to Total Gross   0.12%        0.20%        0.72%                    
Loans
                                                                
(1) Loans Held for Sale are included in average gross loans.
(2) Annualized
(3) Amounts calculated on a fully taxable equivalent basis using the current
statutory federal tax rate.
                                                                  

HANMI FINANCIAL CORPORATION AND SUBSIDIARIES                     
SELECTED FINANCIAL DATA, CONTINUED (UNAUDITED)                   
(In Thousands)                                                  
                                                               
                                      At or for the Three Months Ended
                                      December 31, September 30, December 31,
                                      2012         2012          2011
LOAN PORTFOLIO:                                                 
Real Estate Loans                      $787,094   $736,287    $696,999
Residential Loans                      101,778     103,774      52,921
Commercial and Industrial Loans        1,123,012   1,079,814    1,145,474
Consumer Loans                         36,676      38,415       43,346
Total Gross Loans                      2,048,560   1,958,290    1,938,740
Deferred Loan Costs                    796         630          216
Gross Loans, Net of Deferred Loan Fees 2,049,356   1,958,920    1,938,956
Allowance for Loan Losses              (63,305)    (66,107)     (89,936)
Loans Receivable, Net                  1,986,051   1,892,813    1,849,020
Loans Held for Sale, at the Lower of   8,306       10,736       22,587
Cost or Fair Value
Total Loans Receivable, Net            $1,994,357 $1,903,549  $1,871,607
                                                               
LOAN MIX:                                                       
Real Estate Loans                      38.4%        37.6%         36.0%
Residential Loans                      5.0%         5.3%          2.7%
Commercial and Industrial Loans        54.8%        55.1%         59.1%
Consumer Loans                         1.8%         2.0%          2.2%
Total Gross Loans                      100.0%       100.0%        100.0%
                                                               
DEPOSIT PORTFOLIO:                                              
Demand - Noninterest-Bearing           $720,931   $694,345    $634,466
Savings                                114,302     111,654      104,664
Money Market Checking and NOW Accounts 575,744     563,785      449,854
Time Deposits of $100,000 or More      616,187     635,802      822,165
Other Time Deposits                    368,799     357,799      333,761
Total Deposits                         $2,395,963 $2,363,385  $2,344,910
                                                               
DEPOSIT MIX:                                                    
Demand - Noninterest-Bearing           30.1%        29.4%         27.1%
Savings                                4.8%         4.7%          4.5%
Money Market Checking and NOW Accounts 24.0%        23.9%         19.2%
Time Deposits of $100,000 or More      25.7%        26.9%         35.1%
Other Time Deposits                    15.4%        15.1%         14.1%
Total Deposits                         100.0%       100.0%        100.0%
                                                               
CAPITAL RATIOS:                                                 
Hanmi Financial                                                 
Total Risk-Based Capital Ratio         20.65%       20.79%        18.66%
Tier 1 Risk-Based Capital Ratio        19.37%       19.52%        17.36%
Tier 1 Leverage Capital Ratio          14.95%       14.71%        13.34%
Tangible Equity to Tangible Assets     13.09%       12.77%        10.36%
Ratio
Hanmi Bank                                                      
Total Risk-Based Capital Ratio         19.85%       19.91%        17.57%
Tier 1 Risk-Based Capital Ratio        18.58%       18.63%        16.28%
Tier 1 Leverage Capital Ratio          14.33%       14.05%        12.50%
Tangible Equity to Tangible Assets     15.29%       14.96%        12.48%
Ratio
                                                               

HANMI FINANCIAL CORPORATION AND                                                                   
SUBSIDIARIES
AVERAGE BALANCE, AVERAGE YIELD EARNED AND AVERAGE RATE PAID (UNAUDITED)                                      
(In Thousands)                                                                                   
                                                                                                
                   Three Months Ended
                   December 31, 2012              September 30, 2012             December 31, 2011
                               Interest  Average             Interest  Average             Interest  Average
                   Average      Income /  Yield / Average      Income /  Yield / Average      Income /  Yield /
                   Balance      Expense   Rate    Balance      Expense   Rate    Balance      Expense   Rate
ASSETS                                                                                           
Interest-Earning                                                                                 
Assets:
Gross Loans, Net of $2,026,122 $27,418 5.38%   $1,958,819 $26,781 5.44%   $2,012,008 $28,162 5.55%
Deferred Loan Fees
Municipal
Securities -        46,203      456      3.95%   44,887      452      4.03%   44,913      451      4.02%
Taxable
Municipal
Securities - Tax    12,731      146      4.59%   12,587      151      4.80%   12,987      153      4.71%
Exempt
Obligations of
Other U.S.          82,995      387      1.87%   74,345      280      1.51%   83,927      324      1.54%
Government Agencies
Other Debt          279,591     1,295    1.85%   254,694     1,260    1.98%   279,559     1,204    1.72%
Securities
Equity Securities   30,971      306      3.95%   30,886      178      2.31%   31,930      140      1.75%
Federal Funds Sold 7,127       7        0.39%   17,925      20       0.44%   4,961       5        0.40%
Term Federal Funds  6,685       22       1.31%   78,967      191      0.96%   77,717      182      0.93%
Sold
Interest-Bearing
Deposits in Other   239,048     153      0.25%   221,461     142      0.26%   108,211     72       0.26%
Banks
Total
Interest-Earning    2,731,473   30,190   4.40%   2,694,571   29,455   4.35%   2,656,213   30,693   4.58%
Assets
                                                                                                
Noninterest-Earning                                                                              
Assets:
Cash and Cash       73,567                      70,591                      69,635               
Equivalents
Allowance for Loan  (65,228)                    (71,481)                    (99,182)             
Losses
Other Assets        133,085                     136,097                     81,698               
Total
Noninterest-Earning 141,424                     135,207                     52,151               
Assets
                                                                                                
TOTAL ASSETS        $2,872,897                 $2,829,778                 $2,708,364          
                                                                                                
LIABILITIES AND
SHAREHOLDERS'                                                                                    
EQUITY
Interest-Bearing                                                                                 
Liabilities:
Deposits:                                                                                        
Savings             $112,566   $477    1.69%   $111,432   $516    1.84%   $104,754   $600    2.27%
Money Market
Checking and NOW    583,259     772      0.53%   555,454     859      0.62%   449,998     644      0.57%
Accounts
Time Deposits of    623,780     1,312    0.84%   660,036     1,467    0.88%   825,444     3,082    1.48%
$100,000 or More
Other Time Deposits 362,645     805      0.88%   354,305     797      0.89%   334,807     975      1.16%
FHLB Advances       2,984       39       5.20%   3,076       40       5.17%   3,349       44       5.21%
Other Borrowings    --         --      0.00%   --         --      0.00%   13,790      94       2.70%
Junior Subordinated 82,406      303      1.46%   82,406      804      3.88%   82,406      767      3.69%
Debentures
Total
Interest-Bearing    1,767,640   3,708    0.83%   1,766,709   4,483    1.01%   1,814,548   6,206    1.36%
Liabilities
                                                                                                
Noninterest-Bearing                                                                              
Liabilities:
Demand Deposits     706,475                     680,307                     635,555              
Other Liabilities   28,475                      29,782                      28,393               
Total
Noninterest-Bearing 734,950                     710,089                     663,948              
Liabilities
                                                                                                
Total Liabilities   2,502,590                   2,476,798                   2,478,496            
Shareholders'       370,307                     352,980                     229,868              
Equity
                                                                                                
TOTAL LIABILITIES
AND SHAREHOLDERS'   $2,872,897                 $2,829,778                 $2,708,364          
EQUITY
                                                                                                
NET INTEREST INCOME             $26,482                    $24,972                    $24,487 
                                                                                                
COST OF DEPOSITS                         0.56%                        0.61%                        0.89%
NET INTEREST SPREAD                      3.57%                        3.34%                        3.22%
NET INTEREST MARGIN                      3.86%                        3.69%                        3.66%
                                                                                                

HANMI FINANCIAL CORPORATION AND                                         
SUBSIDIARIES
AVERAGE BALANCE, AVERAGE YIELD EARNED AND AVERAGE RATE PAID (UNAUDITED)            
(In Thousands)                                                         
                                                                      
                   Year Ended
                   December 31, 2012               December 31,2011
                               Interest   Average             Interest   Average
                   Average      Income /   Yield / Average      Income /   Yield /
                   Balance      Expense    Rate    Balance      Expense    Rate
ASSETS                                                                 
Interest-Earning                                                       
Assets:
Gross Loans, Net of $1,993,367 $108,982 5.47%   $2,114,546 $117,671 5.56%
Deferred Loan Fees
Municipal
Securities -        45,213      1,796     3.97%   21,740      884       4.07%
Taxable
Municipal
Securities - Tax    12,902      606       4.70%   6,544       332       5.07%
Exempt
Obligations of
Other U.S.          77,053      1,372     1.78%   121,961     1,963     1.61%
Government Agencies
Other Debt          277,386     5,250     1.89%   295,953     6,921     2.34%
Securities
Equity Securities   31,356      818       2.61%   33,573      534       1.59%
Federal Funds Sold 14,178      60        0.42%   5,857       27        0.46%
Term Federal Funds  70,478      706       1.00%   38,693      276       0.71%
Sold
Interest-Bearing
Deposits in Other   164,492     422       0.26%   113,829     315       0.28%
Banks
Total
Interest-Earning    2,686,425   120,012   4.47%   2,752,696   128,923   4.68%
Assets
                                                                      
Noninterest-Earning                                                    
Assets:
Cash and Cash       71,123                       68,255                
Equivalents
Allowance for Loan  (75,914)                     (119,233)             
Losses
Other Assets        110,718                      85,989                
Total
Noninterest-Earning 105,927                      35,011                
Assets
                                                                      
TOTAL ASSETS        $2,792,352                  $2,787,707           
                                                                      
LIABILITIES AND
SHAREHOLDERS'                                                
EQUITY
Interest-Bearing                                                       
Liabilities:
Deposits:                                                              
Savings             $110,349   $2,152   1.95%   $109,272   $2,757   2.52%
Money Market
Checking and NOW    529,976     3,085     0.58%   465,840     3,461     0.74%
Accounts
Time Deposits of    681,173     7,290     1.07%   913,643     13,855    1.52%
$100,000 or More
Other Time Deposits 350,877     3,350     0.95%   315,174     3,885     1.23%
FHLB Advances       3,354       165       4.92%   66,191      662       1.00%
Other Borrowings    --         --       0.00%   4,551       95        2.09%
Junior Subordinated 82,406      2,703     3.28%   82,406      2,915     3.54%
Debentures
Total
Interest-Bearing    1,758,135   18,745    1.07%   1,957,077   27,630    1.41%
Liabilities
                                                                      
Noninterest-Bearing                                                    
Liabilities:
Demand Deposits     676,707                      600,726               
Other Liabilities   29,494                       29,387                
Total
Noninterest-Bearing 706,201                      630,113               
Liabilities
                                                                      
Total Liabilities   2,464,336                    2,587,190             
Shareholders'       328,016                      200,517               
Equity
                                                                      
TOTAL LIABILITIES
AND SHAREHOLDERS'   $2,792,352                  $2,787,707           
EQUITY
                                                                      
NET INTEREST INCOME             $101,267                    $101,293 
                                                                      
COST OF DEPOSITS                          0.68%                         1.00%
NET INTEREST SPREAD                       3.40%                         3.27%
NET INTEREST MARGIN                       3.77%                         3.68%
                                                                      

Non-GAAP Financial Measures

Tangible Common Equity to Tangible Assets Ratio

Tangible common equity to tangible assets ratio is supplemental financial
information determined by a method other than in accordance with U.S.
generally accepted accounting principles ("GAAP"). This non-GAAP measure is
used by management in the analysis of Hanmi Financial and Hanmi Bank's capital
strength. Tangible equity is calculated by subtracting goodwill and other
intangible assets from total stockholders' equity. Banking and financial
institution regulators also exclude goodwill and other intangible assets from
total stockholders' 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
Financial and Hanmi Bank. 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.

The following table reconciles this non-GAAP performance measure to the GAAP
performance measure for the periods indicated:

TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS RATIO (UNAUDITED)                  
(In Thousands, Except Per Share                               
Data)
                                                             
                                    December 31, September 30, December 31,
                                    2012         2012          2011
HANMI FINANCIAL CORPORATION                                   
Total Assets                         $2,882,520 $2,841,857  $2,744,824
Less Other Intangible Assets         (1,335)     (1,376)      (1,533)
Tangible Assets                      $2,881,185 $2,840,481  $2,743,291
                                                             
Total Stockholders' Equity           $378,364   $363,987    $285,608
Less Other Intangible Assets         (1,335)     (1,376)      (1,533)
Tangible Stockholders' Equity        $377,029   $362,611    $284,075
                                                             
Total Stockholders' Equity to Total  13.13%       12.81%        10.41%
Assets Ratio
Tangible Common Equity to Tangible   13.09%       12.77%        10.36%
Assets Ratio
                                                             
Common Shares Outstanding            31,496,540  31,489,201   31,487,924
Tangible Common Equity Per Common    $11.97     $11.52      $9.02
Share
                                                             
HANMI BANK                                                    
Total Assets                         $2,877,041 $2,836,931  $2,739,577
Less Other Intangible Assets         --         --          (34)
Tangible Assets                      $2,877,041 $2,836,931  $2,739,543
                                                             
Total Stockholders' Equity           $439,986   $424,546    $342,023
Less Other Intangible Assets         --         --          (34)
Tangible Stockholders' Equity        $439,986   $424,546    $341,989
                                                             
Total Stockholders' Equity to Total  15.29%       14.96%        12.48%
Assets Ratio
Tangible Common Equity to Tangible   15.29%       14.96%        12.48%
Assets Ratio

CONTACT: Hanmi Financial Corporation
         Mark (Shick) Yoon, CPA CVA
         SVP & Interim Chief Financial Officer, Chief Strategy Officer
         Direct Phone: 213-427-5636