한미 뉴스

  • 2008년 9월 25일 한미은행 유재승 행장 경제 세미나 강사

    한미은행 유재승 행장 경제 세미나 강사


    중앙일보 중앙방송이 한미은행과 함께 25일 경제진단 세미나를 실시했다. 미국 경제의 불황으로 타운 싱권도 어려움을 겪고 있는 가운데 이번 세미나는 미국과 한인경제의 향후 전망을 긴급진단하는 내용으로 진행되었다. 세미나는 "한인금융권의 금융위기 여파와 전망 (강사: 한미은행 유재승 행장), "부동산경기, 언제 풀리나 (강사: 부동산 개발 전문 카운슬 락 파트너스 류기열 대표), "한인 비지니스의 경쟁력 강화 방안 (강사: 칼폴리 포모나 대학 진형기 박사) 등의 주제로 2시간 동안 진행되었다.
  • 2008년 9월 16일 한미은행 노스리지지점 오프닝 행사

    한미은행 노스리지지점 오프닝 행사


    한미은행이 16일 오전 26번째 지점인 밸리 노스리지지점에서 약 70명의 은행 관계자와 고객 등이 참석한 가운데 그랜드 오프닝 행사를 가졌다.
  • 2008년 7월 28일 노스리지 지점 오픈

    노스리지 지점 오픈

    한미은행은 26번째 지점을 노스리지 지역에 오픈했다. 이로서 한미은행은 밴나이스와 노스리지 등 밸리 지역에 두개의 지점을 통해 고객들을 더욱 편리하게 모실수 있게 되었다. 노스리지 한인상권의 중심지 격이 갤러리아 마켓 건너편에 자리하고 있서 밴나이스까지 먼거리를 감수해야 했던 은행 고객들에게 많은 편의를 제공할 수 있게 됐다.

     

     

    노스리지 지점

    10180 Reseda Blvd., Northridge, CA 91324

    Tel: 818-709-3300

    Fax: 818-709-3388

  • 2008년 6월 13일 한미은행장으로 유재승행장이 선임됐다

    한미은행장으로 유재승행장이 선임됐다

    LOS ANGELES--(BUSINESS WIRE)—2008년 6월 13일— 한미은행의 지주사인 한미파이넨셜콥이 새 행장으로 (President and Chief Executive Officer) 유재승행장을 선임했다. 2007년 12월 은퇴한 손성원 전행장의 후임으로 선임된 유재승 행장은 2008월 6월 23일로부터 공식 수행하게 된다. 또한 유재승 행장은 한미은행과 한미파이넨셜콥의 이사 멤버가 된다. 유재승 (61) 행장은 1970년 한국에서부터 은행 경력을 쌓기 시작했고 최근(2001년 부터 2007) 한국에 있는 우리은행(이천이백오십억불 자산)의 자회사인 뉴욕에 본사를 둔 우리 아메리카 행장으로 근무했다. 유재승 행장은 서울에 있는 서강 대학교에서 경영학 학사를 받았다. “한미 팀을 이끌어줄 리더라는 우리의 제안을 유행장이 받아주어 기쁘다” 라고 한미의 윤원로 이상장이 말했다. “한미가 직면해 있는 다양한 어려운 상황들 중 적지 않은 부분인 대출 향상과 안정적인 실적 부분에 유행장이 가져올 폭넓은 커머셜 뱅킹 경험은 매우 귀중한 부분이 될 것이다.” “그의 37년의 은행경력중 반을 넘게 미국에서 근무했고 유행장은 인상적인 경영 실력을 보여주었다.” 라고 윤원로 이사장이 말했다. “또 중요한 것은 그가 획득한 다양하고 전문적인 뛰어난 언더라이팅, 대부 관리, 주간 영업 (interstate banking), 새 상품 개발, 위험관리와 내부통제, 국제 무역과 금융등은 앞으로 한미은행과 주주들에게 큰 이익을 가져다 줄 것이다.”

  • 2008년 5월 27일 1%를 현금으로 돌려주는 Regular Personal 체킹

    1%를 현금으로 돌려주는 Regular Personal 체킹

    모든 Regular Personal 체킹 계좌 고객들은 모든 데빗카드 사용의 최종금액의 1%를 현금으로 돌려 받게 됩니다. 별도의 등록없이 자동으로 추가 됩니다.

     

    쉽고 간단하고 자동입니다.

  • 2008년 2월 19일 베버리 힐스 지점 오픈

    베버리 힐스 지점 오픈

    한미은행은 25번째 지점을 베버리 힐스에 오픈했다. 윌셔와 락스포드가 만나는 남서쪽 코너에 위치해 있는 이 지점은 베버리 힐스 지역의 최초 한인 은행 지점이 된다. 베버리 힐스 지점은 한미은행의 싸우스베이 디스트릭에 추가 되었고 세리토스 지점에서 7여년 동안 대출 총괄 오피서로 경험을 쌓아온 김진영 지점장이 맡게 되었다.

     

    베벌리 힐스 지점
    9300 Wilshire Blvd.
    Beverly Hills, CA 90212
    Tel: 310-724-7800
    Fax: 310-724-7850

  • 2008년 2월 13일 온라인 어카운트 개시

    온라인 어카운트 개시

    이제, 온라인을 통해서 체킹 계좌, 세이빙 계좌, 그리고 CD 계좌를 개설하실 수 있습니다. 한미은행 온라인 어카운트 서비스를 통해 은행에 은행을 직접 방문하기 어려운 고객들이나 먼곳에 거주하시는 고객들에게 편의를 제공할 수 있게되었습니다. 아주 빠른 시간내에 개설하실 있으며, 24시간 언제나 가능합니다.

    온라인 계좌 개설을 시작하시려면, 여기를 클릭하세요.

  • 2007년 11월 06일 한미 파이넨셜 코퍼레이션 - 2007년 3분기 순익 실적 발표 $11M

    한미 파이넨셜 코퍼레이션 - 2007년 3분기 순익 실적 발표 $11M

    Hanmi Financial Corporation Reports Net Income of $11.1 Million for Third Quarter of 2007

    LOS ANGELES--(BUSINESS WIRE)--Nov. 6, 2007--Hanmi Financial Corporation (NASDAQ:HAFC), the holding company for Hanmi Bank, reported that for the three months ended September 30, 2007, it earned net income of $11.1 million, a decrease of 27.6 percent compared to net income of $15.3 million for the second quarter of 2007. Earnings per share were $0.23 (diluted), a decrease of 25.8 percent compared to $0.31 per share (diluted) for the second quarter of 2007.

    "Our strong loan growth and the opening of our 24th branch during the quarter were overshadowed by higher loan loss provisions and continued margin compression. During the quarter, our loan portfolio increased $164.0 million and we opened a new branch in Rancho Cucamonga, California," said Sung Won Sohn, Ph.D., President and Chief Executive Officer. "However, our net interest margin decreased from 4.51 percent in the second quarter to 4.26 percent in the third quarter. We expect our margin to continue to experience competitive pressures in the near term and the recent change in the Federal Reserve monetary policy will hurt margins until it is fully reflected in the repricing of our time deposits."

    "The third quarter increase of $5.4 million in the provision for credit losses stems in part from a group of six related business acquisition loans amounting to $3.6 million, some of which have become the subject of litigation that we initiated."

    "In this uncertain economic and financial environment, the asset quality is a serious concern for all lenders. Fortunately, Hanmi's exposure to the residential market is minimal. The commercial real estate market, about two-thirds of Hanmi's portfolio, continues to remain healthy. However, in recent quarters, we have experienced higher delinquencies and charge-offs resulting from a more challenging environment for our customers."

    THIRD-QUARTER HIGHLIGHTS

    -- Net interest income before provision for credit losses was $37.9 million for the third quarter of 2007, compared to $38.6 million for the second quarter of 2007 and $39.7 million for the third quarter of 2006, reflecting a 2.8 percent and 7.3 percent, respectively, sequential increase in average interest-earning assets. Net interest margin for the third quarter of 2007 was 4.26 percent, compared to 4.51 percent for the second quarter of 2007 and 4.79 percent for the third quarter of 2006.

    -- The loan portfolio increased by $354.9 million, or 12.4 percent, to $3.22 billion at September 30, 2007, compared to $2.86 billion at December 31, 2006, reflecting continued growth in commercial and industrial loans.

    -- Non-performing loans increased by $22.1 million to $44.7 million, or 1.39 percent of the portfolio, at September 30, 2007, compared to $22.6 million, or 0.74 percent of the portfolio, at June 30, 2007. Loans over 30 days delinquent increased from $32.0 million at June 30, 2007 to $55.0 million at September 30, 2007.

    -- The provision for credit losses was $8.5 million for the third quarter of 2007, compared to $3.0 million for the second quarter of 2007 and $1.7 million for the third quarter of 2006.

    -- The allowance for loan losses was 1.07 percent, 1.05 percent and 0.99 percent of the gross loan portfolio at September 30, 2007, June 30, 2007 and September 30, 2006, respectively.

    -- During the third quarter, the Company repurchased 1,004,100 of its shares at a cost of $15.0 million, or $14.90 per share.

    NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES

    Net interest income before provision for credit losses was $37.9 million for the third quarter of 2007, a decrease of $735,000, or 1.9 percent, compared to $38.6 million for the second quarter of 2007, and a decrease of $1.9 million, or 4.7 percent, compared to $39.7 million for the third quarter of 2006.

    The yield on the loan portfolio was 8.44 percent for the third quarter of 2007, a decrease of 24 basis points compared to 8.68 percent for the second quarter of 2007, and a decrease of 45 basis points compared to 8.89 percent for the third quarter of 2006. The yield on investment securities was 4.52 percent for the third quarter of 2007, an increase of 12 basis points compared to 4.40 percent for the second quarter of 2007, and an increase of four basis points compared to 4.48 percent for the third quarter of 2006.

    The yield on average interest-earning assets was 8.01 percent for the third quarter of 2007, a decrease of 16 basis points compared to 8.17 percent for the second quarter of 2007, and a decrease of 28 basis points compared to 8.29 percent for the third quarter of 2006. The cost of interest-bearing liabilities was 4.93 percent for the third quarter of 2007, an increase of one basis point compared to 4.92 percent for the second quarter of 2007, and an increase of 20 basis points compared to 4.73 percent for the third quarter of 2006, as the competitive deposit rate environment continued to stabilize.

     

    PROVISION FOR CREDIT LOSSES

    The provision for credit losses was $8.5 million for the third quarter of 2007, compared to $3.0 million for the second quarter of 2007 and $1.7 million for the third quarter of 2006. In the third quarter of 2007, net charge-offs were $6.1 million, compared to $2.5 million for the second quarter of 2007 and $656,000 for the third quarter of 2006.

    The sequential increase in the provision for credit losses is attributable to an increased migration of loans into more adverse risk rating categories, including a group of six related business acquisition loans amounting to $3.6 million, some of which have become the subject of litigation; an increase of $164.0 million, or 5.4 percent, in the loan portfolio; and a higher rate of increase in non-performing assets, which increased $21.3 million in the third quarter to a balance of $45.0 million at September 30, 2007, compared to an increase of $4.2 million to a balance of $23.7 million at June 30, 2007.

    Delinquent loans increased to $55.0 million, or 1.71 percent of gross loans, at September 30, 2007 from $32.0 million, or 1.05 percent of gross loans, at June 30, 2007. While the level of non-performing assets and delinquent loans are indicators of the credit quality of the portfolio, the provision for credit losses is determined primarily on the basis of loan classifications and the historical loss experience with similarly situated credits.

     

    NON-INTEREST INCOME

    Non-interest income decreased by $1.2 million, or 10.9 percent, to $9.5 million for the third quarter of 2007, compared to $10.7 million for the second quarter of 2007, and increased by $354,000, or 3.9 percent, compared to $9.2 million for the third quarter of 2006. The decrease in non-interest income from the second quarter of 2007 to the third quarter of 2007 is primarily attributable to a $1.2 million decrease in the amount of gain on sales of loans. The increase in non-interest income from the third quarter of 2006 to the third quarter of 2007 is primarily attributable to an increase of $881,000 in insurance commissions, reflecting the acquisitions of two insurance agencies in the first quarter of 2007, and a $226,000 gain on sale of OREO, partially offset by a $877,000 decrease in the amount of gain on sales of loans.

    NON-INTEREST EXPENSES

    Non-interest expenses decreased by $241,000, or 1.1 percent, to $21.2 million for the third quarter of 2007, compared to $21.5 million for the second quarter of 2007, and increased by $1.4 million, or 7.0 percent, compared to $19.9 million for the third quarter of 2006. Salaries and employee benefits increased by $636,000, or 5.9 percent, sequentially from $10.8 million for the second quarter of 2007 to $11.4 million for the third quarter of 2007 because of the opening of the Rancho Cucamonga branch in August 2007 and increased accruals for incentive compensation

    The efficiency ratio (non-interest expenses divided by the sum of net interest income before provision for credit losses and non-interest income) for the third quarter of 2007 was 44.85 percent, compared to 43.61 percent for the second quarter of 2007 and 40.61 percent for the third quarter of 2006, in part reflecting the acquisitions of two insurance agencies in the first quarter of 2007 and the opening of the Rancho Cucamonga and Fullerton branches during 2007.

    PROVISION FOR INCOME TAXES

    The provision for income taxes reflects a 37.2 percent effective tax rate for the third quarter of 2007, compared to a 38.1 percent effective tax rate for the second quarter of 2007 and a 35.7 percent effective tax rate for the third quarter of 2006. Changes in the effective tax rate reflect a relatively stable level of Enterprise Zone and low-income housing tax credits in periods in which there were changes in taxable income.

    FINANCIAL POSITION

    Total assets were $4.01 billion at September 30, 2007, an increase of $286.4 million, or 7.7 percent, compared to $3.73 billion at December 31, 2006, and an increase of $272.5 million, or 7.3 percent, from the September 30, 2006 balance of $3.74 billion.

    At September 30, 2007, net loans totaled $3.19 billion, an increase of $348.0 million, or 12.3 percent, from $2.84 billion at December 31, 2006. Real estate loans increased by $57.7 million, or 5.5 percent, to $1.10 billion at September 30, 2007, compared to $1.04 billion at December 31, 2006, and commercial and industrial loans grew by $306.6 million, or 17.8 percent, to $2.03 billion at September 30, 2007, compared to $1.73 billion at December 31, 2006.

    The growth in total assets was funded primarily by an increase in FHLB advances and other borrowings of $192.3 million, up 113.8 percent to $361.3 million at September 30, 2007, compared to $169.0 million at December 31, 2006. In addition, deposits increased $102.8 million, up 3.5 percent to $3.05 billion at September 30, 2007 from $2.94 billion at December 31, 2006. The increase in deposits included increases in time deposits of $100,000 or more of $91.4 million, up 6.6 percent to $1.47 billion, in money market checking accounts of $38.0 million, up 8.7 percent to $476.3 million, and in other time deposits of $16.4 million, up 5.5 percent to $311.9 million, partially offset by decreases in noninterest-bearing demand deposits of $37.8 million, down 5.2 percent to $690.5 million, and in savings accounts of $5.1 million, down 5.1 percent to $94.2 million.

    ASSET QUALITY

    Total non-performing assets, including loans 90 days or more past due and still accruing, non-accrual loans and other real estate owned ("OREO") assets, increased by $30.8 million to $45.0 million at September 30, 2007 from $14.2 million at December 31, 2006, and increased by $31.5 million from $13.5 million at September 30, 2006. Non-performing loans at September 30, 2007 included a $17 million construction loan for low-income housing that is fully collateralized and participated in by the local government. The downgrade of this loan relates to project cost overruns and construction delays. Despite these set backs we anticipate the project being completed and our loan being repaid without a loss to the Bank. Additionally, to date, we have never lost any money on low-income housing projects. Non-performing loans as a percentage of gross loans increased to 1.39 percent at September 30, 2007 from 0.50 percent at December 31, 2006 and 0.47 percent at September 30, 2006.

    At September 30, 2007, delinquent loans were $55.0 million, or 1.71 percent of gross loans, compared to $19.6 million, or 0.68 percent of gross loans, at December 31, 2006, and $24.1 million, or 0.84 percent of gross loans, at September 30, 2006.

    At September 30, 2007, the Company maintained an allowance for loan losses of $34.5 million and a liability for off-balance sheet exposure, primarily unfunded loan commitments, of $1.8 million. The allowance for loan losses represented 1.07 percent of gross loans at September 30, 2007, compared to 0.96 percent and 0.99 percent at December 31, 2006 and September 30, 2006, respectively. As of September 30, 2007, the allowance for loan losses was 77.19 percent of non-performing loans, compared to 193.9 percent at December 31, 2006 and 209.8 percent at September 30, 2006.

    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 24 full-service offices in Los Angeles, Orange, San Bernardino, San Francisco, Santa Clara and San Diego counties, and nine loan production offices in California, Colorado, Georgia, Illinois, Texas, Virginia and Washington. Hanmi Bank specializes in commercial, SBA, trade finance and consumer 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 shareholder value. Additional information is available at www.hanmifinancial.com.

    FORWARD-LOOKING STATEMENTS

    This 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. 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: general economic and business conditions in those areas in which we operate; demographic changes; competition for loans and deposits; fluctuations in interest rates; risks of natural disasters related to our real estate portfolio; risks associated with SBA loans; changes in governmental regulation; credit quality; the ability of borrowers to perform under the terms of their loans and other terms of credit agreements; our ability to successfully integrate acquisitions we may make; the availability of capital to fund the expansion of our business; and changes in securities markets. In addition, we set forth certain risks in our reports filed with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the fiscal year ended December 31, 2006, 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.

     

  • 2007년 8월 16일 랜쵸 쿠카몽가 지점 오픈

    랜쵸 쿠카몽가 지점 오픈

    한미은행의 24번째 지점인 랜쵸 쿠카몽가 지점이 오픈했다. 새로 오픈한 랜쵸 쿠카몽가 지점은 20여년 금융 경험의 메리 김 지점장이 맡게 되었으며, 샌 베르난도 지역에 오픈된 첫번째 한미은행 지점이다.

     

    랜쵸 쿠카몽가 지점

    9759 Baseline Rd

    Rancho Cucamonga, CA 91730

    Tel: 909-919-7599

    Fax: 909-919-7597

     

    지점장 : 메리 김

  • 2007년 6월 18일 뉴 빌페이 런칭

    뉴 빌페이 런칭

    한미은행에서는 최근 빌페이 프로그램 새롭게 개편하였습니다. 새로운 뉴 빌페이는 사용자가 쉽게 이용할 수 있으며, 유용하고 편리하게 사용되도록 구성 되어 있습니다. 6월 18일 새롭게 선보이는 한미은행 뉴 빌페이를 체험해보세요!

     

    •반복적인 페이먼트의 스케줄을 쉽게 만들 수 있습니다.

    •진행중인 혹은 지연되고 있는 페이먼트를 한눈에 볼수 있습니다.

    •페이먼트를 깜빡하신다구요? 걱정마세요. 미리 이메일을 보내드립니다.

    새로운 빌페이 시스템에 대한 더 자세한 정보를 원하시면 여기를 클릭하세요.

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