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1 4Q21 Earnings Supplemental Presentation January 25, 2022
Supplemental Presentation
January 25, 2022 2Hanmi Financial Corporation (the “Company”) cautions investors thatanystatements contained herein thatarenot
historical facts areforward- looking statements within themeaning ofthe“safe harbor” provisions ofthePrivate
Securities Litigation Reform Actof1995 ,including, butnotlimited to,those statements regarding operating and
financial performance, financial position and liquidity, business strategies, regulatory, economic and competitive
outlook, investment andexpenditure plans, capital andfinancing needs andavailability, litigation, plans andobjectives,
merger orsale activity, theeffects ofCOVID -19onourbusiness, financial condition andresults ofoperations, andall
other forecasts and statements ofexpectation orassumption underlying any oftheforegoing .These statements
involve known and unknown risks and uncertainties that aredifficult topredict .Investors should notrelyonany
forward -looking statement and should consider risks, such aschanges ingovernmental policy, legislation and
regulations, economic climate uncertainty, fluctuations ininterest rateandcredit risk, competitive pressures, theability
tosucceed innew markets, balance sheet management, theability toidentify andremediate anymaterial weakness in
internal controls over financial reporting, andother operational factors .
Further, given itsongoing anddynamic nature, itisdifficult topredict thefullimpact oftheCOVID -19pandemic onour
business, financial condition andresults ofoperations .Theextent ofsuch impact willdepend onfuture developments,
which arehighly uncertain, including when thecoronavirus canbecontrolled andabated .Astheresult oftheCOVID -
19pandemic andtherelated adverse local andnational economic consequences, wecould besubject tovarious risks,
any ofwhich could have amaterial, adverse effect onourbusiness, financial condition, liquidity, and results of
Forward -looking statements arebased upon thegood faith beliefs andexpectations ofmanagement asofthisdate
only andarefurther subject toadditional risks anduncertainties, including, butnotlimited to,theriskfactors setforth
inourearnings release dated January 25,2022 ,including thesection titled “Forward Looking Statements and the
Company’s most recent Form 10-K,10-Qandother filings with theSecurities andExchange Commission (“SEC”).
Investors areurged toreview ourearnings release dated January 25,2022 ,including thesection titled “Forward
Looking Statements andtheCompany’s SEC filings .The Company disclaims anyobligation toupdate orrevise the
forward -looking statements herein.Forward -Looking Statements 34Q21 Highlights
$1.09 1.93% 2.96% 53.81% $20.79Efficiency Ratio TBVPS* ROAA NIM Net Income Diluted EPS
*Non -GAAP financial measure; refer to the non- GAAP reconciliation slide
•Net income of $33.3 million, or $1.09 per diluted share, up 25.5% from $26.6 million, or $0.86 per diluted share, from the prior
quarter and up 132.7% from $14.3 million, or $0.47 per diluted share, for the 2020 fourth quarter
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TETRA Technologies, Inc.
