e8vk

Table of Contents

Table of Contents

Table of Contents

Table of Contents

-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, SdVp2Db5e0rjU2JPPo7dimllWFYLn7i9dJcVI/kUwU6HKvgmyvUNdDPxnRxr2KCA A1fWI+eoXprq4Z7YCk+10g== 0000950129-06-004739.txt : 20060502 0000950129-06-004739.hdr.sgml : 20060502 20060502130749 ACCESSION NUMBER: 0000950129-06-004739 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 27 CONFORMED PERIOD OF REPORT: 20060502 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060502 DATE AS OF CHANGE: 20060502 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HANMI FINANCIAL CORP CENTRAL INDEX KEY: 0001109242 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 954788120 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-30421 FILM NUMBER: 06798398 BUSINESS ADDRESS: STREET 1: 3660 WILSHIRE BLVD SUITE PH-A CITY: LOS ANGELES STATE: CA ZIP: 90010 BUSINESS PHONE: 2133822200 8-K 1 v20055e8vk.htm HANMI FINANCIAL CORPORATION e8vk

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549-1004

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of report (Date of earliest event reported): May 2, 2006

Hanmi Financial Corporation

(Exact Name of Registrant as Specified in Charter)


Delaware	000-30421	95-4788120
(State or Other Jurisdiction of	(Commission File Number)	(IRS Employer
Incorporation)		Identification No.)


3660 Wilshire Boulevard		90010
Los Angeles California
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: (213) 382-2200

Not applicable

(Former name of former address, if changed since last report)

Check the appreciate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


o		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


o		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS


Item 7.01
Item 9.01
SIGNATURES
EXHIBIT INDEX
Exhibit 99.1

Item 7.01.

On May 2, 2006 beginning at 10:30 a.m. PST, Mr. Michael Winiarski, our Chief Financial Officer will make several presentations to investors about Hanmi Financial Corp.’s business. A copy of the slide presentation to be used in the presentations is attached hereto as Exhibit 99.1. The information contained in this report and the attached exhibit is “furnished” but not “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended. A copy of the slide presentation will also be available on our website at www.hanmibank.com.

Item 9.01

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EXHIBIT INDEX


Exhibit No.		Exhibit

99.1		Investor Presentation Slides

EX-99.1 2 v20055exv99w1.htm EXHIBIT 99.1 exv99w1

Exhibit 99.1

HANMI FINANCIAL CORPORATION Nasdaq: HAFC May 2006

Safe Harbor Statement Certain statements contained in this presentation, including, without limitation, statements containing the words "believes," "plans," "expects," "anticipates," and words of similar import, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward- looking statements. Such factors include, among others, the following: general economic and business conditions in those areas in which the Company operates; demographic changes; competition; fluctuations in market interest rates; changes in credit quality; and other risks detailed in the most recent quarterly and annual reports filed with the Securities Exchange Commission, including the Company's Form 10-K for the year ended December 31, 2005, Form 10-Q for the quarter ended September 30, 2005 and other filings. Given these uncertainties, undue reliance should not be placed on such forward- looking statements. The Company disclaims any obligation to update any such factors or to publicly announce the results of any revisions to any of the forward-looking statements contained herein to reflect future events or developments.

Opportunities Opportunities Opportunities

Korean-American Market Korean-American market five-year history Loans: 29% CAGR Deposits: 24% CAGR 40% of 2.2 million Korean-American population reside in California. Highest rates of business ownership with one per every eight Korean-Americans High savings rate (Sources: US Korean Embassy and 2001 SBA Report)

Target Market Growth Drivers Increased wealth in the Korean-American community Korea is the 11th largest economy with $28 billion current account surplus in 2004 Continuing immigration trend from Korea Wealthier and better educated recent immigrants

Hanmi's Core Competencies Ethnic markets Real estate lending Business lending

Loan & Deposits Market Shares Nearly 40% market share among Korean- American banks in California HAFC 2818 NARA 1155 CLFC 1491 WIBC 1481 Others 1130 Deposits Net Loans Note: As of March 31, 2006 based on SEC filings of each company. Excludes 30% of NARA's balances, which are not from California based operations per NARA's earnings call. HAFC 2642 NARA 1054 CLFC 1218 WIBC 1297 Others 928

Experienced Management Team Name Name Title Banking Experience Sung Won Sohn, Ph. D. Sung Won Sohn, Ph. D. President and CEO 32 years Kurt M. Wegleitner Kurt M. Wegleitner EVP and CCO 26 years Michael J. Winiarski Michael J. Winiarski SVP and CFO 26 years

Future Growth - Organic and External Experienced management team Extensive network Emphasis on sales & service Incentive compensation program Contiguous market penetration Upgrade existing products Introduce new products

By executing on our strategy... Customers will... refer business Employees will... say Hanmi is a great place to work Investors will... consider HAFC a superior investment

($ in millions) 2000 2001 2002 2003 2004 2005 2006 1Q Loans 620 820 1000 1270 2235 2469 2642 Deposits 940 1040 1290 1450 2529 2826 2819 Assets 1030 1160 1460 1790 3104 3414 3515 Financial Performance Consistent Balance Sheet Growth

Financial Performance Consistent Balance Sheet Growth 2000 2001 2002 2003 2004 2005 2006 1Q Loans 620 820 1000 1270 2235 2469 2642 2000 2001 2002 2003 2004 2005 2006 1Q Deposits 940 1040 1290 1450 2529 2826 2819 ($ in millions) ($ in millions) Loans Deposits 621 2,642 940 2,819

Loan Portfolio As of March 31, 2006 Construction Loans 169.4 Consumer Loans 179.2 Commercial Real Estate Loans 766.2 CRE-Owner/User 763.8 C & I Loans 794.7

Specialty Lending Activities Robust SBA loan production 9th largest SBA lender in California in 2005 Specialized in low income housing lending $59 million low income housing loans booked in 2005 Trade finance The average loan balance in the first quarter of 2006 was $116 million. Syndication of loans $24 million of participation/syndication loans in 2005.

Korean vs. Non-Korean Business 2000 2001 2002 2003 2004 2005 2006 1Q* Korean New Loans 221.1 245.7 287.4 344.5 452.4 800.8 782.9 Non-Korean New Loans 75.4 136.3 165.5 278.4 339.3 548.3 961.7 ($ in millions) Hanmi has extended service to neighboring ethnic communities. 45% 25% 43% 36% 37% 41% 55% *Annualized the first quarter number.

Sound Asset Quality Loan Loss Allowance/Gross Loans 2000 2001 2002 2003 2004 2005 2006 1Q Hanmi 0.0178 0.0119 0.0114 0.0106 0.01 0.01 0.01 Non Performing Loans/Gross Loans 2000 2001 2002 2003 2004 2005 2006 1Q Hanmi 0.004 0.0063 0.0065 0.0068 0.0027 0.0041 0.0038 1.00% 0.38%

Deposits Composition Non-Interest Bearing 748.5 TDs of $100,000 or More 1189 TDs of Less than $100,000 271.6 Interest Bearing Demand and Savings 609.6 As of March 31, 2006

Non-interest Income Growth 2000 2001 2002 2003 2004 2005 2006 1Q* Service charges on deposits 8.9 9.2 9.2 10.3 14.4 15.8 16.8 Trade finance fees 1.9 1.9 2.4 2.9 4 4.3 4 Remittance fees 0.5 0.6 0.8 1 1.7 2.1 1.96 Other service charges 0.8 0.8 1.1 1.5 1.7 2.5 2.12 Other income 0.4 0.4 1.2 1.3 2.4 3.3 3.4 Non-core income 2.3 4 6.5 3.3 3.4 4.2 4.28 ($ in millions) *Annualized the first quarter number.

Non-interest Income Growth ($ in millions) 2000 2001 2002 2003 2004 2005 2006 1Q* Service charges on deposits 8.9 9.2 9.2 10.3 14.4 15.8 16.8 Trade finance fees 1.9 1.9 2.4 2.9 4 4.3 4 Remittance fees 0.5 0.6 0.8 1 1.7 2.1 1.96 Other service charges 0.8 0.8 1.1 1.5 1.7 2.5 2.12 Other income 0.4 0.4 1.2 1.3 2.4 3.3 3.4 *Annualized the first quarter number.

Net Income and Diluted EPS Diluted EPS1 '00 '01 '02 '03 '04 '05 '06 1Q* Net Income 15.5 16.8 17 19.2 36.7 58.2 59.2 Net Income ($ in millions) '00 '01 '02 '03 '04 '05 '06 1Q* Diluted EPS 0.57 0.6 0.6 0.67 0.84 1.17 1.2 1Reflects recent 2:1 stock split *Annualized the first quarter number.

Return on Average Equity / Assets ROA ROE 2000 2001 2002 2003 2004 2005 2006 1Q ROE 0.1981 0.1756 0.1508 0.1451 0.1251 0.1394 0.1383 ROA 0.0178 0.0153 0.013 0.0118 0.0137 0.0179 0.0175 ROTE 0.2045 0.1798 0.1535 0.1475 0.2573 0.2933 0.277

Profitability Ratio Trends 4Q 03 1Q 04 2Q 04 3Q 04 4Q 04 1Q 05 2Q 05 3Q 05 4Q 05 1Q 06 Yield 5.09% 5.25% 5.30% 5.66% 6.06% 6.40% 6.84% 7.08% 7.36% 7.75% Cost of Fund 1.77% 1.80% 1.80% 1.87% 2.18% 2.34% 2.72% 3.22% 3.66% 3.97% Spread 3.32% 3.45% 3.50% 3.79% 3.88% 4.06% 4.12% 3.86% 3.70% 3.78% NIM 3.87% 4.02% 4.04% 4.32% 4.51% 4.72% 4.90% 4.78% 4.68% 4.85%

Efficiency Ratio Trend *Orange color reflects restructuring expenses related to the PUB merger 2002 4Q 2003 1Q 2003 2Q 2003 3Q 2003 4Q 2004 1Q 2004 2Q 2004 3Q 2004 4Q 2005 1Q 2005 2Q 2005 3Q 2005 4Q 2006 1Q Efficiency Ratio 0.5565 0.5374 0.528 0.5123 0.5131 0.4777 0.5181 0.5029 0.4951 0.4438 0.403 0.3834 0.4193 0.391 Acquisition* 0 0 0 0 0 0 0.0557 0.0087

Stock Performance Investing $100 (price reflects dividends) HAFC NASDAQ S & P Financials 12/1/2000 100 100 100 20.4 1/1/2004 115.11 112.23 99.57 31.6 2/1/2004 115.11 87.1 92.89 43.9 3/1/2004 117.02 74.49 90 4/1/2004 111.95 85.66 93.22 5/1/2004 116.01 85.43 96.79 6/1/2004 131.91 87.45 96.67 7/1/2004 156.71 82.05 94.98 8/1/2004 162.46 73.08 89.05 9/1/2004 138.44 60.67 83.67 10/1/2004 137.43 68.41 81.98 11/1/2004 147.46 78.14 87.7 12/1/2004 147.58 78.95 89.47 1/2/2004 160.77 78.28 87.88 2/2/2004 168.43 70.09 86.47 3/2/2004 188.61 74.69 92.12 4/2/2004 189.18 68.34 89.53 5/2/2004 199.66 65.4 89.24 6/2/2004 190.08 59.23 84.85 7/2/2004 165.61 53.76 77.99 1/2/2001 2/1/2001 3/1/2001 4/2/2001 5/1/2001 6/1/2001 7/2/2001 8/1/2001 9/4/2001 10/1/2001 11/1/2001 12/3/2001 1/2/2002 2/4/2002 3/1/2002 4/1/2002 5/1/2002 6/3/2002 7/1/2002 8/1/2002 9/3/2002 10/1/2002 11/1/2002 12/2/2002 1/2/2003 2/3/2003 3/3/2003 4/1/2003 5/1/2003 6/2/2003 7/1/2003 8/1/2003 9/2/2003 10/1/2003 11/3/2003 12/1/2003 1/2/2004 2/2/2004 3/1/2004 4/1/2004 5/3/2004 6/1/2004 7/1/2004 8/2/2004 9/1/2004 10/1/2004 11/1/2004 12/1/2004 1/3/2005 2/1/2005 3/31/2005 4/5/2005 5/5/2005 6/5/2005 7/5/2005 8/5/2005 9/5/2005 10/5/2005 11/30/2005 12/30/2005 1/31/2006 2/3/2006 3/6/2006 4/6/2006 HAFC 100 100 101.65 97.11 100.83 114.67 136.16 141.12 120.25 119.21 128.1 128.1 139.67 146.28 163.84 164.26 173.35 165.08 143.8 145.04 144.42 145.66 167.36 160.54 164.46 161.16 165.7 162.81 169.63 171.9 179.75 205.79 197.73 210.95 205.58 198.76 209.09 297.73 270.25 251.03 266.94 301.03 295.87 327.48 310.33 312.19 382.02 371.28 366.94 365.5 341.94 302.69 332.02 345.04 392.56 379.13 370.87 377.69 384.92 369.01 392.36 370.87 373.14 402.48 NASDAQ 100 77.61 66.37 76.32 76.12 77.92 73.11 65.11 54.06 60.96 69.63 70.34 69.75 62.45 66.55 60.89 58.27 52.77 47.9 47.42 42.27 47.96 53.33 48.17 47.64 48.24 48.37 52.81 57.56 58.53 62.57 65.29 64.45 69.69 70.7 72.25 74.52 73.21 71.92 69.25 71.65 73.85 68.07 66.29 68.41 71.23 75.62 78.46 74.38 74 72.1 69.31 74.59 74.19 78.8 77.62 77.6 76.47 80.53 79.54 83.16 82.28 84.39 83.76 S & P Financials 100 93.29 90.39 93.62 97.21 97.09 95.39 89.43 84.03 82.34 88.07 89.85 88.26 86.85 92.52 89.92 89.62 85.22 78.32 79.78 70.31 76.5 79.51 75.09 73.68 71.26 70.84 79.37 83.4 83.46 87.06 86.04 86.45 92.17 91.76 96.06 98.9 101.38 100.18 95.31 96.93 97.22 94.97 98.02 96.99 97.21 99.91 103.97 101.56 100.79 96.73 96.57 99.06 100.26 101.57 99.53 100.33 103.32 107.73 107.85 108.63 110.56 110.64 115.13 January 1, 2001 through April 30, 2006

Compelling Investment Opportunity Dominant franchise in the attractive, high growth California-based Korean-American marketplace Proven expertise serving growing immigrant markets Experienced management team High quality loan portfolio coupled with attractive core deposit franchise

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Date: May 2, 2006

Hanmi Financial Corporation

/s/ Sung Won Sohn

Sung Won Sohn

President and Chief Executive Officer